# Tecalis I Commercial Management & Digital Identity Software **URL:** https://www.tecalis.com **Descripción:** Tecalis provides digital solutions to close and manage new customers securely, from the commercial process to onboarding and authentication. **Boosting Sales through Secure Journeys** Connect and automate all your channels. Create a unified experience from the sales process to the onboarding and new user activation. **Tecalis Customer Hub** Omnichannel sales management /products/customer-hub-sales **Tecalis Kiosks** Product sales, activation, and issuance /products/kiosk-terminal-interactive-identity-self-service-atm-pos **Tecalis Identity KYC** User registration and onboarding /products/identity-verification **Tecalis Identity KYB** Business verification and registration /product/kyb-business-verification-ia-screening **Tecalis Sign** Sign documents and contracts electronically /products/electronic-signature A single platform for all your key processes and operations **Onboarding** **Acquisition towards conversion** Register customers, employees, or businesses and activate their accounts or services in minutes. Biometrics, validation, auto-fill fields, and strong authentication under the most comprehensive KYC, KYB, AML, and DDC standards. https://www.tecalis.com/use-cases/digital-onboarding-registration-activation **Risk & Fraud** **Scale your business to +190 markets** Achieve zero fraud. Establish rules and procedures to comply with the most demanding regulations in any region with intelligent recognition of any identification document. https://www.tecalis.com/use-cases/risk-fraud-processing-document-notarization **Contracting** **Contract signing and acceptance** Process service discharges, send confidentiality agreements, or close high-risk transactions in half the time. Store sensitive information in compliance with GDPR and automate renewals. https://www.tecalis.com/use-cases/contracting-electronic-digital-signature-documents **Channels** **Commercial networks and capillarity** Manage your own and alternative channel network. Lead and manage your teams and points of sale by providing them with the best sales tools to drive customer activation. https://www.tecalis.com/use-cases/intelligent-channel-management **Optimization** **RPA automation in any area** Get a panoramic view of your business and give your users the best experience. Use Robotic Process Automation, electronic notification, or document custody to design a business model that fits the market. https://www.tecalis.com/use-cases/rpa-optimization-process-automation-ai **## Compliance and Regulation** As a [**Qualified Trust Service Provider (QTSP)**](https://www.tecalis.com/compliance-legal-legality-tecalis-eidas-qtsp-regulations-compliance-certifications-stamp) of the European Union, our systems and tools enable our customers to comply with the most demanding regulations in any market. Processes and operations integrating Tecalis technology are automatically updated with technical and legal requirements. What our customers say Telecommunications **Tecalis Customer Hub: A comprehensive platform for managing all sales channels** Advanced sales and activation tools integrated into a multi-level platform for all markets—guided processes for sales teams, identity verification, and e-signature for instant activation, pricing, and commission settlement. Banking & Financial Services **Instant user registration for innovative FinTech product** Digital solutions for onboarding, KYC/AML, document verification, and electronic signatures integrated into customer registration flows. Tecalis' technology, with AI and advanced biometrics, achieves industry-leading reading and conversion success. Real Estate **Lease, insurance, and energy contracts in Real Estate with e-signature** Comprehensive signature, document validation, digital identity, and e-contracting solution that solves the challenges of experience and process optimization. Agile, secure, and affordable integrated real estate management. Mobility & Transporte **Multi-channel driver verification for leading mobility platform** End-to-end flow in the same channel. Collect and validate dynamic identity documents (DNI, NIE, ID card, Green Card, Passport, etc.) with exhaustive controls in the 3 country markets. --- ## Anti-Fraud Controls **URL:** https://www.tecalis.com/products/anti-fraud-controls **Descripción:** Activate intelligent risk management and data processing processes with AI to anticipate fraud at every point of contact. Establish AI automated risk management and data handling processes to prevent fraud within all your channels and operations. **Design** Automated anti-fraud onboarding flows. Secure your organization against attacks and avoid penalties in all your electronic operations and contracting processes. **Automate** Immediacy, security and accuracy. Paths and intelligent selection of anti-fraud controls according to defined risk policies, clients’ characteristics and the selected operation. **Check** Obtain an instant risk score and valid operations automatically. Comply with the most demanding standards and process information and data in an agile and unattended way. **Operate** Enable customer registrations, activate telco products or open bank accounts instantly. Operate securely while being able to fully audit evidence thanks to a RegTech QTSP partner. Robust fraud prevention and process automation Work in absolute confidence with **customers, users, businesses and partners**. Minimize **processing times**, comply with the strictest regulations and discover how **AI** can help you **save resources and grow business**. **KYC/KYB ID Verification and eSignature** Unattended document and identity real-time verification with active and passive proof of life. Automatically perform any check required by the most demanding standards. Subsequent human validation or videoconferencing available and eIDAS 2 e-signature. **Validation, data and document processing** Automated information gathering (pre-fill forms) and validation of sensitive documents. Extract, analyze and use structured and unstructured data in all types of information or images from various sources thanks to AI. **KYT, bank reading, scraping and scoring** Take advantage of Open Banking and PSD3 to automatically evaluate the risk of each operation according to its characteristics and client. Verify bank accounts, check operations and evaluate recent or old transactions to obtain scores according to your parameters. **AML lists, PEP, blacklists and more** Obtain information from official records and sources by connecting to +5,000 public and private databases. GST, MCA, Udyam, PAN, CIN, DIN, CERSAI, NSDL and much more. National and international media screening lists, watchlists and global sanctions. **AI screening & scraping, RPA and advanced reporting** Extract and analyze key information for your business processes. Computer vision systems running AI and 2 ndGen. OCR will search (scrap) in media, RRSS, webs and documents. Automated notarization, media screening, alerts and triggering of automated actions thanks to RPA. **Anti-fraud analysis: Behavioural, IP, address, phone and more** Analyze dozens of behavioral aspects of your users, monitor their IP, obtain information from their devices, authenticate them with OTPs on different channels and offer a 100% verification flow based on predefined policies and design intelligent paths. **KYT, ongoing monitoring and enhanced due diligence** Continuous tracking and transaction monitoring, screening lists, adverse media, global lists and much. Manage everything from the alerts module and Compliance Hub. Get wide overviews or highly segmented data according to your preferences for automated reporting and analytics. AI-powered solutions to mitigate fraud Validate documents, verify information and analyze data from any kind of source and any type of input. Enable cutting-edge use cases by optimizing key processes. **Document** **Document processing** Information processing with OCR or NFC. 100% errorless data management. Instant and intelligent gathering and treatment. * ID cards, passports, driving, residence. * Invoices, delivery notes, receipts, taxes. * Deeds, registers, contracts, CIF. * Powers of attorney, payroll, payments. **Scraping** **Computer vision scraping** Search, obtain and analyze public or private information. Work on any type of input: web, image, databases, etc. * Social networks, profiles, databases. * Digital media, listings. * Websites, blogs, directories. * Image analysis: cars, expertise, license plates, etc. **Fraud** **Anti-fraud controls** Check and verify authenticity of physical documents, electronic signatures, wallets or digital certificates. * Concordance, modifications and alterations. * Material, gloss, relief, sharpness, color. * MRZ, hologram, laser marks, OVI. * Depth, anti-deepfakes, AI imaging. **Screening** **RPA screening and alerts** Continuous monitoring with RPA bots working for you. Trigger automated actions based on dynamic alerts and changes. * Full compliance with data protection. * Advanced biometric facial pattern registration. * Complete identity verification. * KYC/AML and KYB data update. KYT Open Banking & Open Gateway: Fully accurate risk score Gather user's consent and **connect with their bank and [telephone data](https://www.tecalis.com/guides/open-gateway-api-apis-integration-tecalis-identity)** to obtain an up-to-date and accurate finscore. Perform checks and monitor transactions in real time. **Onboarding-integrated** or later requested scraping. Enable instant contracting, activation or allow payments in compliance with regulations of any region. **Advanced management center and orchestrator** Full flow orchestration. Alerts and monitoring, back-office compliance, KYC ongoing monitoring, KYT or customization of rules to create intelligent flows. Extract audit documents, electronic signatures, check information, scores and check lists or send e-notices. 100% Compliance. 0% Risk. Any official and private information input you may need. Request any integration of national, regional and international records. 100% adaptation and integration with your systems. * Integrate and connect easily with all your tools, systems and channels. We accompany you throughout the process. First level support and ad-hoc solutions. * Offer your users and partners a seamless UX/UI experience in anti-fraud processes and convey the brand reputation you need. --- ## Identity Verification | KYC/AML Digital Onboarding | Tecalis **URL:** https://www.tecalis.com/products/identity-verification **Descripción:** Complete KYC/AML onboarding for every risk level and use case. Expand your reach, streamline your approach, and save time. Onboard customers, users, and organizations at any stage and risk level. A unique solution based on reconstruction technology. **Second-generation passive and active verification** Anti-deep fake checks and streaming video for maximum legal assurance. **Document Reconstruction Validation** Automatic recognition of any document ID and in-depth checks. **Sensitive and Commercial Document Approval** Due Diligence and Know Your Business checks on any input to enable instant approvals through automated onboarding processes powered by [RPA technology](https://www.tecalis.com/es/productos/rpa-automatizacion). **Financial risk assessment with safe and secure scraping** AML controls and transaction analysis to assess the viability of each transaction. Upload documentation with KYB controls and PSD2 connectivity. **Open Gateway: Advanced checks** Open Banking but Telecom-based. Using GSMA APIs to get real-time data and building extra verifications to the +50 Tecalis anti-fraud checks **NFC and electronic certificate support** Officially stamped data extraction for KYC/AML at high levels of risk for zero fraud. **98.7%** conversion rate **+190** countries for multi-market deployments **100%** compliant with all regulations **~20s** onboarding time with liveness check Successfully onboard customers and users **in remote channels** * **Fast onboarding** with a focus on conversion,**fully compliant with the most demanding standards**. Automatic language and region based on location. * **Biometrics and authentication of identity documents** for a KYC/AML process **at any risk level** with KYB verification of business documents. * **Real-time automated workflows** for all systems and use cases. **at your Point of Sale** * Personalize the experience to **avoid mid-process abandonment,** according to the characteristics and needs of the channel. * Transform physical spaces to **activate users** in the field, minimizing the time spent by POS agents. * **Eliminate fraud** and manual errors in any market, freeing your **sales teams** from the daily grind. **in any industry** * Connect with your users by giving them **human, personalized attention**. Deliver intelligent flows based on user behavior. * A **specific and comprehensive workflow** with all the features of our automated onboarding plus the addition of human validation. * A compliant solution that complements the KYC process, with **instant registration and contracting** through electronic signature. Camera Design a conversion-oriented workflow. Determine the appropriate steps for onsite and online channels and the risk level of each operation. **Back side** 99.4% success rate Simple process: 4s I Guided process: 8s * Automatic **document type** detection. * Client **upload speed** check. * Checking the client's **camera conditions**. * Use of the **angular focus** of the client camera. * **Optimal validation** and set of upload frame types. * **Perfect image reconstruction** from incomplete parts (flares, shadows...). * Detection of **B/W documents, copies or forgeries**. * **Security check parameterization** for document validation. * **QR generation**to continue verification in other devices. * **Changes and alterations**verification. **Front side** 98.9% success rate Simple process: 7s I Guided process: 12s * **Background server processing** to optimize validation. * **Security checks** are parameterized in the ID document configuration and by country. * **Front and back** of the same document. * **Image capture, upload, facial biometrics** and impersonation checks. * **Changes and alterations** verification. **Liveness detection** 98,7% success rate Simple process: 8s I Guided process: 13s * **Face2face.** Advanced Liveness detection via streaming video. * **Gesture or action request** (voice, read a text, circle with the nose, token...). * **Photo burst** for facial biometric reconstruction. * **Video spoofing** and deep fakes control. * **Video conferencing** option is available with a real-time human agent. **Validation** 98.4% success rate Process time: 3s * **OCR correction** with dictionaries and integration with institutions such as AEAT. * **AML and blacklist** database control. * **Video and GIF generation** of the process. * Generation of a **PDF certificate sealed and signed by Tecalis Signature** as a **QTSP Trusted Third Party** in compliance with eIDAS, guaranteeing the immutability of the data. * Inclusion of **metadata** (key/value). * **Call center mediation,** if configured. **Subsequent validation by a human agent or live video communication** Enable high-risk transactions and instant customer account sign-ups by connecting to a call center with qualified AML/KYC validation operators. NFC Discover how NFC Identity Verification technology works in a free demo. **NFC Tag Reading** 99.9% success rate Process Time: 12s * For assisted, hybrid, and 100% unattended (online) **sales processes**. * **SDKs** for building fully customizable enrollment and contracting flows. * **Application and contracting front end connected** via token-based encrypted connection. * **Extract data** such as MRZ or CAN code from the ID document. * **Data collection** with full GDPR compliance using the smartphone's **NFC reader**. * Official **Qualified Trusted Third Party (QTSP) certification**, including readout. * **Liveness detection** to prevent document fraud. * **Parallel scoring processes** in cases where terminals do not have NFC. **Liveness detection** 98,7% success rate Simple process: 8s I Guided process: 13s * **Face2face.** Advanced Liveness detection via streaming video. * **Gesture or action request** (voice, read a text, circle with the nose, token...). * **Photo burst** for facial biometric reconstruction. * **Video spoofing** and deep fakes control. * **Video conferencing** option is available with a real-time human agent. **Validation** 98.4% success rate Process time: 3s * **OCR correction** with dictionaries and integration with institutions such as AEAT. * **AML and blacklist** database control. * **Video and GIF generation** of the process. * Generation of a **PDF certificate sealed and signed by Tecalis Signature** as a **QTSP Trusted Third Party** in compliance with eIDAS, guaranteeing the immutability of the data. * Inclusion of **metadata** (key/value). * **Call center mediation,** if configured. **Convert more users with alternate paths** Get them to complete the process with intelligent redirection to convenient, agile, and 100% compliant verification methods. Cutting-edge technology **First 2nd Gen. KYC** * **Reconstruction model:** Dozens of images combined with the power of AI to avoid friction. * **NFC technology:** Compatibility with modern identity documentation and contactless onboarding. * **OCR 2nd Gen:** 0 errors, 100% conversion. Advanced technology to ensure security and success. * **Error-free:** Artificial intelligence and machine learning for flawless performance. * **Open Gateway**: Last-gen telecom checks using data from every operator. SIM Swap, Device Location, Number Verification, Roaming y más Agile contracting **New user signups in minutes** * **Additional documentation.** Upload and validate invoices, delivery notes, contracts or commercial documents. * **Digital certificate.** Add an extra layer by requesting an electronic certificate to sign and incorporate. * **Integrated contracting.** Set up an electronic signature process and seal it all in a single report for instant signatures. * **Electronic Notification.** eIDAS and PSD2 compliant to enable new use cases and reach more customers in less time. Security **Full legal support** * **AML Scoring.** Automatically assesses the risk level of transactions based on predefined and dynamic parameters. * **Customer Due Diligence.** Select anti-fraud controls and checks based on customer profiles. * **Biometrics.** Create facial or voice patterns to generate credentials with inherent authentication factors. * **Address approval.** Add physical address verification for high-risk processes with or without shipping. Experience **Engaged Users** * **KYC Forms.** Collect information and verify user identity quickly and easily. * **Intelligent recognition**. ID card, passport or driver's license. * **Age verification.** A key feature for industries such as gaming, retail or competitive video games. * **Advanced personalization.** Seamlessly integrate KYC/AML processes to deliver personalized experiences based on habits and profiles. End-to-end onboarding of customers, employees, and businesses **User Experience** Run Tecalis with a narrator to guide the user through the conversion. Enable accessibility options and choose from dozens of languages. **Real-time processing** Choose streaming video identification with AI and flexible requirements. Implement active or passive liveness verification to prevent fraud. **Instant user onboarding** Maximize regulatory support in any market. Create audit reports with full traceability to enable new use cases. **Lower cost per acquisition** Skip the red tape and rely on agile and robust processes that automate any business unit. **Increase revenue** Establish cross-selling strategies by encouraging contracts after registration in the user portal. Use SCA authentication to close sales in the best customer state. **Zero penalties** Achieve zero risk. Count on a trust services provider to support and guarantee all your activities. Companies that trust Tecalis **Finastra** Enabling breakthrough use cases for financial institutions. Trust systems for retail banking, transaction banking, lending and treasury capital markets. **Grupo MásMóvil** Multi-brand portal for sales and activation in attended, online and semi-served models at the point of sale. **Rentik** Driving an innovation model in the leasing industry with KYC/AML controls and electronic signatures. **Grupo Dominion** Commercial hub for its business lines with Butik (electricity, gas, solar energy, telecommunications and leasing). **PhoneHouse** New product registration process. A multi-channel online and in-person model. End-to-end customer, employee, and business onboarding You can use the platform and interfaces designed by Tecalis or choose to integrate the technology into your own systems and tools. A first-class UX/UI experience with the image and design you want, adapted to your brand and connected to all your tools. **Tecalis Dashboard** Use the platform and interfaces that hundreds of customers love for all your critical use cases. **API Integration** Get up and running in days with seamless integration to all your systems. **SSO Gateway** Request payments or integrate the service with your ERP in a flexible configuration model based on predefined rules and intelligent triggers. --- ## Electronic Signature | Contracting & Signing | Tecalis **URL:** https://www.tecalis.com/products/electronic-signature **Descripción:** Digitally sign any document. Advanced and Qualified eIDAS eSignature with custody and traceability. Maximum security and compliance. Work with customers, employees, and partners on a holistic platform tailored to your operations and use cases Try Tecalis Sign as long as you want Top features tailored to **your needs** **Set up the process according to your needs** Choose in which order signers will receive and sign the document. **Set up the most critical field of the digital signature process** Add signature fields according to your recipients. **Verify and validate signers’ identities and additional documents** Tecalis is the only eSignature solution that offers KYC/KYB validation. **Use a collaborative platform designed for flexibility** Add and edit comments to close more deals in less time. Designed to work for everyone **Start now** Just a beginner user? Use the basic features of Tecalis Sign for as long as you need. **Enterprise** Need more? Customize the tool to meet your business needs **Business** Upgrade to Business and try out the fullest collaboration and contract hub **Starter** Access advanced e-signature functionalities for you and your team One single platform to **engage your users** * Set up **different workflows**: parallel, sequence, or bulk. * **Choose your channels**: email, sms, WhatsApp, Telegram, app, etc. * Define **multiple signature layers**: biometric, OTP, certificated, dual factor… **drive more business** * Enable **comments and suggestions** or changes by creating different versions of the contract. * Provide **signature delegation** to your users or send the signature for review. * **Add optional or mandatory data** fields with forms, templates, and layout functions. **secure your transactions** * Enhance **data protection** by requesting information to sign or a KYC process, ensuring privacy. * Ask the signer to upload the required **documentation** and set up automated mechanisms to **validate** it **through KYB technology**. * **Validate sensitive document fields** before starting the signature process. All your teams and users need **Identity Verification** Verify your signers are who they say they are. **Document collection** We encrypt the information, certifying any alteration in the documents. Authenticate any document with no manual validation required. **Timing and deadlines** Check what is pending, and create alerts and automated renewals. **Automate your work** Save frequent settings in your day-to-day work and create a flow to make everything faster by sharing it with your team. **Groups and packages** Group documents, send file packages in sequence, or create an envelope to improve the signing process. **Electronic notifications** Get full traceability of a document, file, or communication. Get an audit report with sending, delivery, opening, reading, interactions, forwarding, and downloads. **Immutability and sealing** Certify and guarantee the non-alteration of your most critical data and documents. **5-year storage guaranteed** Turn Tecalis into the documentation center of your business with attack-proof security. Choose Security Tailor the signing process to the risk level of the operation **Essential** **Simple** NO COST Essential Simple process: 4s Guided process: 8s Agile and secure Click&Go solution for low-risk operations and processes. * With the insertion of a **certificate of proof**. Tecalis is a Trusted Third Party and TSP by the Spanish Ministry of Industry, Trade, and Tourism. * Detailed and exhaustive audit report with **full traceability and fingerprint**. **Simple with two-factor** Essential Simple process: 4s Guided process: 8s Simplicity and convenience with a 2FA signer identification through current media and channels. * With the insertion of a **certificate of proof**. Tecalis is a Trusted Third Party and TSP by the Spanish Ministry of Industry, Commerce, and Tourism. * Detailed and exhaustive audit report with **full traceability and fingerprint**. All events and attachments are sealed and signed. * Includes **second-factor options such as OTP** with timestamp. **Medium-high** **Simple Certified** Medium-high Simple process: 4s Guided process: 8s Agile Click&Go electronic signature with time stamping for superior support. * With the insertion of a **certificate of proof**. Tecalis is a Trusted Third Party and TSP by the Spanish Ministry of Industry, Commerce, and Tourism. * **Timestamp** throughout the signing process. * Detailed and exhaustive audit report with **full traceability and fingerprint**. All events and attachments are sealed and signed. **High** **SMS OTP** High Simple process: 4s Guided process: 8s Convenient and fast signature with the support of a registered telephone line. Enables medium-risk operations. * With the insertion of a **certificate of proof**. Tecalis is a Trusted Third Party and TSP by the Spanish Ministry of Industry, Commerce, and Tourism. * Certificated sending of the **OTP code** (one-time use) to the signatory's MSISDN device (telephone). * **Verification of the code** and embedding it in the audit report. * Detailed and comprehensive audit report with **full traceability and fingerprint**. All events and attachments are stamped and signed. **Biometrics** High Simple process: 4s Guided process: 8s Versatile and secure solution, with advanced identification of the signer under specific technical standards. * With the insertion of a **certificate of proof**. Tecalis is a Trusted Third Party and TSP by the Spanish Ministry of Industry, Commerce, and Tourism. * Loading of **patterns and biometric information** locally. * **Encryption** of patterns and biometric information through a private key with **custody in official government headquarters**. * Detailed and exhaustive audit report with **traceability and complete fingerprint**. All events and attachments are sealed and signed. **Very high** **Certified SMS OTP** Very high Simple process: 4s Guided process: 8s A perfect option for signing contracts in commercial processes or with operational implications. With maximum support and guarantees. * With the insertion of a **certificate of proof**. Tecalis is a Trusted Third Party and TSP by the Spanish Ministry of Industry, Commerce, and Tourism. * **Timestamp** throughout the signing process. * Certificated sending of the **OTP (one-time use) code** to the signer's MSISDN device (phone). * **Verification of the code** and embedding it in the audit report.  * Detailed and comprehensive audit report with **full traceability and fingerprint**. All events and attachments are sealed and signed. **Certified Biometric** Very high Simple process: 4s Guided process: 8s A complete method with unequivocal identification of the signer supported by the most demanding regulations. For a high level of risk. * With the insertion of a **certificate of proof**. Tecalis is a Trusted Third Party and TSP by the Spanish Ministry of Industry, Commerce, and Tourism. * Loading of **patterns and biometric information** locally. * **Encryption** of patterns and biometric information through a private key with **custody in official government headquarters**. * Detailed and exhaustive audit report **with traceability and complete fingerprint**. All events and attachments are sealed and signed. **Reinforced** **Certified Biometrics + KYC** Reinforced Simple process: 4s Guided process: 8s The most reliable formula in the market. It combines top-level digital identification methods along with the ultimate signature. * **KYC identity verification process** according to AML6 and eIDAS standards validated by **Tecalis as TSP**, with proof of life and reliable validation of documentation, integrated into the final audit report with the signature. * With the insertion of a **certificate of proof**. Tecalis is a Trusted Third Party and TSP by the Spanish Ministry of Industry, Commerce, and Tourism. * **Timestamp** throughout the signing process. * Loading of **patterns and biometric information** locally. * **Encryption** of patterns and biometric information through a private key with **custody in official government headquarters**. * Detailed and exhaustive audit report with **traceability and complete fingerprint**. All events and attachments are sealed and signed. Rely on a Trust Services Provider We work so you don't have to worry about a thing. We are our customers' Trusted Third Party and Regtech Partner. * Digital certificate integrated. * Minimum custody of 5 years, extendable. * Notarial deposit and equivalence. * Maximum legal support. 100% eIDAS compliant. * Audit reports and evidentiary document. * Immutability and sealing in your own DBs. * On-the-spot pick-up and certified validation. Ad-hoc integration models for your business **API** Complete and gradual integration. Integrate eSignatures in your address book or use our microservices layer to call preconfigured workflows. **SSO** Create documents and include Single Sign-On to the platform in any of your channels or ERPs. Configure the process and subsequently manage the operations performed. **Webhook** Get alerts for every signature, change of status, or notification. Set up specific actions in any system. Use Tecalis on any device and channel, with no reservations Integration and APP available for customer devices, commercial network POS and in-house systems. **Tecalis Sign.** Sign documents online or try one of our payment plans for 14 days. --- ## Tecalis Customer Hub: sales, e-commerce and POS platform **URL:** https://www.tecalis.com/products/customer-hub-sales **Descripción:** Tecalis Customer Hub is the only comprehensive sales, channel, and customer relation management software with an eCommerce creation platform. Increase sales and inspire your teams with our exclusive platform that spans all your channels, brands and products. In just 45 days. **One ecosystem to manage POS and customers with every capability you can think of** Create a customized customer journey from initial marketing impact to post-sale service. Deliver an omnichannel experience to your sales teams and customers. **Orchestrate all your brand, product, and channel activity** Use case and industry-specific tools and customization. **Tecalis self-service kiosks: The first all-in-one interactive terminal** Sales, activation, registration, access, orders, payments or product dispatch. A seamless, simple, and secure experience managed by Tecalis Customer Hub. **Omnichannel** Achieve higher conversion rates by providing a consistent contracting experience across direct and indirect sales channels **Scalability** Effortlessly pivot to new markets, industries, and business models with seamless adaptability **Optimization** Maximize customer engagement and make the most of your resources with real-time business analytics dashboards **Other players** * **Impact on IT** areas (usually saturated) * **High investment** in project analysis * **Reduced viability** due to high-impact * Need for **board approval** * **Very long lead times** (months or years) * **Cost overruns** and **incidents** * Release **delays** 45-day implementation **Tecalis** * **No** development or **IT impact** * **SaaS model** ideal for any size business * **Easy to integrate** with RPA * **Quick time** to market strategy * Supported by a **RegTech QTSP** partner * **Kiosk integration** possibilities and options **Front-end for agents and points of sale** Register and manage more clients with ease. Maximize your sales and customer success team's potential with a versatile tool that improves motivation, productivity, and capability. **Intelligent Assisted Sales Portal** Secure and growth-focused online offerings. Use best e-commerce practices and the latest remote sales technologies to build an online portal. Acquire new customers instantly with complete security and compliance. **Advanced Business Management Center** Optimize your customer's journey at all sales levels. Deliver an exceptional omnichannel experience to your teams and customers. Use real-time data to gain a complete view of your prospects and customers and align your teams to perform at their best. Dynamic Catalog Manager BPO: Commissions and Settlements **Your products and services, maximized** Design fully tailored pricing and market strategies for every client, channel, and distributor. Fully dynamic, every step of the way. * **Dynamic Pricing and Offerings:**Real-time, market-driven pricing. Rate calculators are connected with your inputs and third-party data.  * **Scalability and Market Logics:** By product/service range and line. Offer bundles and simulate proposals for your distributors and agents.  * **Smart Simulations and Bots:** Provide options and recommendations for your sales teams to adjust margins according to client expectations. * **Pipeline and CRM:** Forget costly solutions and integrate everything into CH. Manage and track opportunities with all the tools you need. **PayDex: Your best companion** Tecalis takes full responsibility for your entire commissioning system with partners, commercial associates, distributors, and agents. We pay on your behalf. * **Commission Platform:** Advanced dashboards for onboarding, distributor management, and real-time clawback tracking.  * **Settlements and Auto-Payments:** Set advanced settlement rules, automated calculations, self-billing, and more.  * **Gamification:**Advanced programs and incentives. Motivate your alternative sales network with top-tier tools. * **Automation and Compliance:** Reduce accounting workload and eliminate fraud with RegTech QTSP tools. The only ready-to-go ad-hoc BSS platform It evolves and adapts to the specific operational needs and market dynamics of each company, meticulously crafted by our team of experts over the years. **Orange** Activation of **mobile services**, distribution of **Tecalis Kiosks**, and management of **multi-level sales channels**. **Movistar** **Omnichannel multi-product distribution** with hyperflexible commercial structure. **Másmóvil** **Activation** of **fixed and mobile** services and management of **alternative channels**. **Butik** **Commercialization** of energy, telecom, and insurance products in new **distribution channels**. 83 % less processing times 99 % reduction in fraud 72 % less training expenses 39 % more cross-selling orders (ARPU) **Tecalis Self-Service Kiosks: The first and only designed by a QTSP** **Reach every corner of the market**, increase sales, reduce costs across multiple use cases, and enhance brand awareness with all-in-one interactive kiosks for any industry. **Unattended sales, customer onboarding, access control, orders, payments, ticketing, or product and card issuance and activation.** A seamless, simple, and completely secure experience. **Tecalis add-ons** Adopt cutting-edge technologies to stay ahead, expand reach, and enter new markets. --- ## Verifactu Electronic Invoicing | API and web platform for invoicing and AEAT connection - Tecalis **URL:** https://www.tecalis.com/products/electronic-bill **Descripción:** Create and issue Verifactu invoices to comply with the Anti-Fraud Law and Spanish standards. API and web platform for freelancers, SMEs, and large companies. Comply with mandatory Electronic Invoicing standards. Use the web platform or an integrated, multi-issuer environment with API connection. **Simplified creation** Customization options according to your needs **Public administrations connection** Use your digital certificate (freelancers, SMEs) or non-certificate emission via API **Customers and products** Tools to streamline your routine operations and daily invoicing management **Verifactu-compliant instantly** Your invoices compatible with Verifactu in one click or with a JSON **Web platform** Simple and powerful. For freelancers and SMEs **Professional API** For companies with higher volume. The very best **0 cost using your Tecalis Sign account** Start sending your Verifactu invoices now Any essential feature you need From **freelancers** and **micro-SMEs** to **large multi-issuers**, Tecalis Electronic Invoice extends compliance of Verifactu and other standards. **Instant and easy Tax Agencies referral** Issue your invoice and send it in one click: automatic real-time submission to the Tax Agency, without complications. Comply with Verifactu and similar standard effortlessly: verified invoices, sent instantly. **Certificate manager within Tecalis Sign** Upload and store your personal or company digital certificates in Tecalis Sign and use them in your e-invoices. Take advantage of a powerful contracting and signing tool at the same time. **Create and customize your e-invoices** Design customized invoices in seconds: logo, colors, and fields tailored to your brand. Generate professional invoices with your visual identity and impress your customers from the very first invoice. **Registration and listings of your e-invoicing** Check the status of all your invoices and submissions to tax agencies at a glance, with traceability. Complete history of submissions, statuses, and responses from the Tax Agency. **Regular customers and products** Centralize your catalog and your customers in one place to invoice in seconds. No need to repeat processes or data. Save time with frequently used contacts and items: create, save, and reuse on different invoices. **Secure and legal invoices stored** Tecalis is a Google Cloud partner and a EU qualified provider of trusted services. Tecalis Electronic Invoicing is the best place to manage your invoicing and avoid penalties. The first e-invocing system designed by a QTSP Tecalis Electronic Invoicing is the first and only e-invoice platform designed by a QTSP trust services provider in the European Union Easy-to-use web platform **Your electronic invoicing from any device** Manage your invoices and submissions to Tax Agencies with a modern, intuitive, and secure interface. Designed for freelancers, SMEs, and teams looking for agility and control without technical complications. * **Quick and customized creation:** Invoices compatible with Spanish standards, adapted to your brand image. * **Automatic AEAT submission:** Comply with regulations with direct submission and real-time validation. * **History and traceability:** View the status of each invoice, submission, and response from the Tax Agency. * **Multi-device:** Access from anywhere with a secure connection and no installation required. Powerful API **Full integration into your systems, ERPs, and more** Connect your software or business platforms with the most powerful and simple API for Tax Agencies. Designed for integrators, developers, and companies with large billing volumes. * **Clear and documented endpoints:** Integrate in hours, not weeks. * **Technical monitoring and sandbox:** Test, validate, and deploy with complete security. * **Direct connection to Verifactu or AEAT:** Automated regulatory compliance from your backend. * **Specialized support:** Priority technical assistance and advanced development tools. Tecalis Electronic Invoicing: Tailored to your needs Your invoice, created and sent in just a few clicks. Or choose a powerful API to save on your processes and boost your invoicing system. **No complications and support** For you, a freelancer, or for your IT/accounting team, a large issuer. Whether you use API or web platform, we accompany and help you. **No XMLs or chained calls** Your integration with Tax Agency is easy, simple, and more powerful. Unlimited calls, immediate response, and integration guide with executables. **API without certificate** We receive your JSON, manage the request, generate QR and create XML records for Tax Agencies with Tecalis certificate. **Integrated into the Sign ecosystem** Whether via API or web platform, the systems combine for the best use cases. TRUSTED BY TOP COMPANIES Comprehensive signing, contracting, and invoicing platform Leaders from all industries use Tecalis RegTech technologies and systems with impeccable experience and legal compliance. **Telefónica** Contracting and invoicing for Telco services at Movistar and O2, on internal platforms and those of its suppliers **Alquiler Seguro** Verification and electronic signature for rentals, insurance, energy, and much more, with full legal backing **MasOrange** Comprehensive management of alternative commercial channels, commissioning, billing, and activation of new partners and retailers **Habitissimo** Home, architecture, and related service professionals activated on the platform instantly Frequently asked questions about Tecalis Electronic Invoicing **What is Verifactu?** [Verifactu](https://www.tecalis.com/blog/verifactu-guide-how-to-invoice-aeat-verified) is an **electronic invoicing standard promoted by the** Spanish **Tax Agency**. Its objective is to guarantee the integrity, traceability, and security of invoices issued by companies and self-employed workers, in line with the Anti-Fraud Law. Each invoice must include a QR code and be registered in real time on the AEAT platform. **Who is required to comply with Verifactu?** **All companies and freelancers who issue** electronic **invoices** in accordance with tax regulations are required to use **Verifactu,** using solutions such as Tecalis Electronic Invoicing to guarantee the validity and traceability of their documents. **Deadlines for the recent Spanish invoicing standards and regulations** As of **2027**, all companies that issue invoices must **use Verifactu-compatible software**. Failure to comply may result in severe financial **penalties**. **Do I need to have a Tecalis Sign account to use Tecalis Electronic Invoicing?** **Yes.** It is the only requirement to use Tecalis Electronic Invoicing **100% free of charge**. The good news is that **Tecalis Sign is also 100% free**, with a Free plan where you can upload your company's digital certificates to be able to invoice. [Schedule a meeting with a Tecalis expert](https://www.tecalis.com/request-demo) and we will help you use both platforms. **Is Tecalis Electronic Invoicing free?** **Yes.** You can **get started completely free of charge** on our online platform, where you can create and send your invoices to the AEAT in compliance with Verifactu. For companies and organizations with a higher volume that wish to use API, you can choose one of [our plans](https://www.tecalis.com/products/electronic-invoice-pricing), starting at €0 depending on your billing volume. **How can I get information about Verifactu or other aspects of electronic invoicing?** On the **Tecalis blog,** we have a large number of articles on electronic invoicing, Verifactu, SMEs, freelancers, large companies, and their applicable regulations. You can access [content on electronic invoicing and related topics here](https://www.tecalis.com/blog/electronic-invoice-e-invoicing-digital). --- ## KYB Business Verification | AI-OCR - Tecalis **URL:** https://www.tecalis.com/product/kyb-business-verification-ia-screening **Descripción:** KYB tools for document and image processing and analysis with AI. Onboard business, generate reports and create your own Compliance Hub. All the tools to orchestrate a compliant, secure and simple workflow. The first all-in-one KYB with automated notarization, AI screening and computer vision. **Verify the identity and notarize the power of attorney of the representatives** Advanced controls to approve high-risk operations instantly **Search, AI analysis, and use of structured and unstructured data** In invoices, commercial registers, social networks, or the web. Any input. **Advanced anti-fraud controls and rule-based operation scoring** PEP, sanctions, databases, media & web screening, government lists, etc. **Requirements, forms, and signatures from all parties involved in the business** Automatic search of the necessary parties to finalize the operation. **99.7%** Fraud prevention with +5K DB **+190** Regions instant data checking **52%** B2B and KYB processes cost savings **87%** Processing time reduction Create automated, rule-based workflows **to instantly onboard business** * **Real-time checks** on business activity and **UBOs**. Reliable identity verification and correlation of business-representative data. * Automated **scoring, customized policies and rules. Block suspicious** fraud **attempts**. Public, private and proprietary **black lists**. * **E-signing, notifications, timestamps and other RegTech systems** along with best-of-breed AI and RPA KYB tools. **for processing complex documentation** * **Collection, validation, processing and storage** of commercial, ID or any other type of documentation. **2nd Gen OCR-AI.** * **Advanced AI extraction and interpretation** of **structured and unstructured data** in all types of inputs from **any sources**. * **Scalability** with perfect reliability and error-free processing of thousands of entries every minute **to integrate comprehensive anti-fraud controls** * **Continuous monitoring of suspicious behavior: NFC** request according to defined policies, **device, IP, activity**, address, etc. * Data cross-referencing with official lists from agencies such as **AEAT, GST, MCA, Udyam, PAN, CIN, DIN, CERSAI, NSDL** and more. * Direct connection to databases and private lists worldwide for **PEP, AML, media screening, watchlists and global sanctions**. One unified platform that goes far beyond **Verification of UBOs and businesses** Reliably verify representatives’ IDs in real time and obtain B2B information from official records and sources. From freelancers and SMEs to large corporations, tailor your KYB. **Data and document gathering and processing** Avoid complex and time-consuming forms with automated information gathering (pre-fill forms) and request customized requirements. Centralize reports in a single place and connect +5K public and private DBs. **Tecalis Automation + AI KYB** Eliminate any manual processes with RPA-AI systems. Use Computer Vision-AI OCR 2 ndGen. bots to extract images and analyze structured and unstructured data. Generate industry or market specific analytics. **Anti-fraud and AML controls** Mitigate fraud before it happens with dozens of advanced real-time controls. Analyze dozens of behavioral aspects of your users, monitor their IP and offer a tailored KYB flow based on predefined policies. **Enhanced & Ongoing Due Diligence** Automatically assess the risk of each operation according to its nature. Bank & web reading/scraping PSD3 and perpetual KYB with continuous monitoring of screening lists, adverse media, PEP lists and much more from Tecalis Compliance Hub. **Notarization, e-signing and scoring** Verify and analyze powers of attorney and similar documents and automatically request electronic signatures from all parties necessary to activate the transaction. Detect missing elements and adjust scores to decide. 100% Compliance. 0% Risk. All the public and private global B2B and B2C information inputs you need. Request any integration of public or private records. **Advanced compliance management center** Alerts and monitoring, compliance tasks back-office, perpetual KYB or custom rules to create the flows you need. Extract audit documents, electronic signatures, check information, scores and listings or contact UBOs and much more. Request functionalities and tools tailored for you. Automated notarization **From weeks, to hours or minutes** Analyze company structures, validate powers of attorney, locate all required people to close the operation and request e-signs. * Consultation of powers and their guarantees: KYC on representatives and automated confirmation that they can act. * Types of powers and corporate structures: Processes business documentation to define steps. * No errors and no waiting times: Perfect performance thanks to artificial intelligence and machine learning. * Full integration with Tecalis Sign: Automate signature requests if needed. AI analysis **Image, web and document** Much more than media screening or updated watchlists. Tecalis allows you to analyze all types of images, photographs and information on websites in real time. * Advanced document processing: Any type of document in any format, structured or unstructured data. * Updated government lists: Direct connection to the databases of the governments and sector regulators you request. * Social networks and corporate websites: Extract and analyze key information for your business processes. * Reporting and analytics: Get an overview or highly segmented data according to your preferences. The only 100% ad-hoc comprehensive platform Leaders in all industries use Tecalis technologies and systems adapted to their business. The best of custom development and SaaS. **Habitissimo** Verification of UBOs and validation of B2B data for instant registration on the leading marketplace in the industry. **Santander** Documentary processing and advanced verification of branch-gathered and digital documentation. **Masorange (+O)** Comprehensive management of alternative commercial channels and activation of new partners and retailers. **Dominion Group** PhoneHouse, Butik, Rentik and more use KYB Tecalis components in a variety of use cases. You decide: integration models Make use of the Tecalis platform and interfaces or choose to integrate into your own systems and tools. First class UX/UI experience with image and design adapted to your brand. **Tecalis CH** Tecalis and BSS administration panel. 100% ad-hoc development to build the operations center of your KYB activity. **API integration** Fast and error-free deployment in days thanks to seamless integration into all your systems, whatever and however they are. **SSO or Webhook** Request payments or integrate the service with your systems or ERP. Flexible configuration and intelligent RPA-AI triggering. --- ## KYB Business Verification | Compliance Hub - Tecalis **URL:** https://www.tecalis.com/product/kyb-business-verification-ia-screening/compliance-hub **Descripción:** Alerts and monitoring, compliance tasks back-office, perpetual KYB or custom rules to create the flows you need. Tools tailored for you. A centralized admin panel to work on all your operations. With all the tools and visualization modules in real time you need. Talk to us and design your own Hub. Monitoring and alerts module RegTech functionalities for KYC, KYB and AML digital onboarding operations in one place. Manage all activity, make changes in real time and connect with your systems. * Configure customized KYB flows and access API tools * Intelligent forms and automated requirements * Alerts, sub-status, warnings, automations and more * Transaction, database and credit bureau reports For you and your business partners Sign up new suppliers and business partners in minutes with simple and compliant KYB processes. Perfect for driving B2B verticals and a reliable and secure partner network. * Integrate add-ons for disruptive use cases * Import data and integrate into external BI or third-party apps * Generate files and use web services or triggers * Mass importers and customized dashboards **KYB Forms** Collect, analyze and process documentation, financial data and contact information quickly and easily for you and your users. **Bank & Web Scraping & Scoring** Compliy with PSD3/SCA standards and evaluates the feasibility of operations according to your predefined options and parameters. **Licenses and permits** Perform advanced due diligence processes, settle commissions to your B2B partners or analyze financial performance records. **AI-Enhanced KYB** Media screening and ongoing monitoring thanks to the use of AI. Periodically analyze social networks, your users' websites, registrations and much more. --- ## Self-Service Kiosks: Unattended Sales - Tecalis **URL:** https://www.tecalis.com/products/kiosk-terminal-interactive-identity-self-service-atm-pos **Descripción:** The first all-in-one digital terminal. Tecalis Self-Service Kiosk includes POS, e-sign and digital identification for any use case. Sales, activation, registration, access, orders, or product dispatch. Achieve flawless presence everywhere for seamless and secure experiences. **The only one with next-generation RegTech technologies** Do anything, without limits, regardless of risk or complexity. Digital onboarding, KYC, biometrics, documentation, and more. **Product issuer and activated cards. 100% secure and efficient** SIM cards, credit cards, transportation passes, university IDs, movie or concert tickets, hotel room keys, and much more. Contact us. **Any use case. Any industry. A full-tailored approach** Self-payments, product delivery, self check-in, virtual reception, book lending, concert access, or food orders. Tecalis adapts to your needs. **Accessibility and simplicity at its core: easy and convenient** Designed with every type of user in mind. Accessibility standards met, multi-language support, screen reader, illuminated signals for active elements, and more. **High-quality, modular, and powerful hardware** Thermal ticket printer, cash management, POS, dual-camera 3D KYC biometric system, NFC, RFID, advanced IR document scanner, and more. **** The only one holding 100% integrated **eIDAS biometric identification and contracting.** **Eligible and interchangeable modules**: POS, scanners, cameras, printing, dispensers, etc. **Ad-hoc software** for your specific use cases with a cloud control center (based on Tecalis Customer Hub). Ready to **fit any location** and adapted to your branding. Choose the ideal Tecalis Kiosk for you and your customers **Tecalis T01 - Our flagship** Modular and 100% customizable. 32-inch screen and maximum possibilities of unattended sale of products and services delivered by the terminal. **Tecalis T02 - Compact and appealing** More compact and simpler than T01. Perfect for agile, cashless use cases. Ticket printer and card issuance enabled. **Tecalis T03 - For specific use cases** Similar to T02 but holding IR documentation scanner and barcode or QR reader. All the same functionalities and software options of T01 and T02. Commercial, administrative and management interactions with your users Whatever your industry, Tecalis Kiosk can make you **grow and save**. **Scale** your activity and **optimize processes by digitizing commercial, administrative, issuing and management interactions** with your **customers and users**. **Issuance of activated SIM cards** At an airport, in your phone store or at your business partners' points of sale. The only expert in OSS/BSS telco systems that has designed a terminal 100% adapted to the needs of the sector and its regulation. Order any product and get a SIM, eSIM or handset instantly. **Coin, credit or debit cards** In a shopping mall, an airport or as a complement to your ATM in your branch, but much more versatile, simple and affordable. Pay receipts, issue credit cards, contract services with KYC/AML or perform any type of high-risk transaction. **Book a room and get access keys** A comprehensive virtual reception. With online check-in in advance or upon arrival. Collect documentation and send it to the authorities instantly and autonomously. Room payment and access key delivery (NFC/RFID card or guest's device). **Rent a vehicle and take out insurance** Let your customers choose for themselves the vehicles available in your leasing or sharing fleet or facilitate the configuration of new vehicles in dealerships. Sell and activate insurance or financing instantly thanks to KYC technologies. **Don't wait in line for a bubble tea** Catering, textile, technology or leisure. No matter what product you sell or what experience you serve, Tecalis supports you in managing your points of sale to optimize queues, streamline sales and redirect customer traffic with hundreds of possibilities. **Enter your favorite concert with your face ID** Access control for all types of venues, events or reception management for employees and visitors in your offices or facilities. Facial authentication, QR reading or NFC/RFID cards to access your work, leisure or study places. All-imagined capabilities and configurations to **perform unattended sales** * **Activate new customers**, make cash or card payments and provide products and services instantly in all industries. * **Payment terminal** with all kinds of configuration options and absolute **RegTech security** under any level of risk. * With the innovative **Verifone UX700**. State-of-the-art secure and flexible self-service POS device. **modular terminals** * Choose, configure and **add the modules you need** to your Tecalis Kiosk. Perfect adaptation and accessibility standards. * Thermal ticket printer, cash management, dual camera system with 3D KYC **biometric identification, NFC, RFID, barcode and QR reader.** * **Activates** and delivers **SIM cards, credit cards, transport cards**, access cards or any type of product. **any segment** * **Compatible** with all types of **locations, media and points of sale**. Screens of different sizes and digital signage with sound. You will not go unnoticed. * **Total branding** and customization possibilities. Choose between the three Tecalis models: T01, T02 and T03 to better adapt to your use case. * **Multi-language**, voiceovers and guided systems. Designed with the **best UX/UI** practices and all Tecalis expertise. Software Kiosk Cloud: Drivers, OS, API and more. We deliver your Tecalis Kiosk with our **preloaded software**, included **as standard**. Advanced and **complete remote management** for you or your **integrators**. **Dev Center, cloud connection and API** Develop any web application and design use cases and disruptive functionalities. **Remote connection** Manage products and rates. Signage and interactive banners. Alerts, stock, automated orders, and more. **Controllers, devices and OS** Specific and comprehensive control, diagnostics and device use: screen, ATM, printers, 3D cameras, scanner, etc. **Tecalis Customer Hub & Solutions** The best partner for your Kiosk. We design amazing and 100% ad-hoc software for you. **The first and only self-service terminal designed by an EU QTSP** The safest and most secure one with absolute regulatory backing in any market: * Dual camera system, 3D depth and scanner for **eIDAS KYC/AML identity verification**. RegTech tools incorporated. * **Videoconferencing with human agent options** thanks to its **audio and microphone systems**. * **eIDAS electronic signature for digital contracting** with binding legal validity, notarial backing and evidence. * **IR scanner for ID documents** of all types with AI anti-fraud controls. * Comprehensive compliance with **privacy and data protection**. **Accessibility-focused device** Tecalis Self-Service Kiosks have been created with any type of user and their needs in mind. Exhaustive compliance with accessibility standards. * **Interaction elements accessible to people with reduced mobility** and **wheelchairs**. **Visual and audible warnings** for both users and business. * **Visual integration** between slots and devices thanks to the use of front methacrylate with **LED lighting to indicate components in use.** * **Complete safety** with anchorages **according to the most demanding** safety **standards**. **Easy transportation, maintenance and** product **replacement**. --- ## Automation | RPA & BPM | Digital Transformation | Tecalis **URL:** https://www.tecalis.com/products/rpa-automation **Descripción:** Robotic Process Automation Solution based on BPM. Build a scalable and agile business model. Boost your processes and unleash productivity. Build a scalable agile business model. Boost your processes and spark productivity in your organization by focusing on what's important. Based on AI and machine learning, Tecalis Robotic Process Automation allows your teams to **reach their full potential and achieve their goals in a record time.** **Productivity** Provide your teams with the disruptive tools they need to focus on what really matters, cutting down on repetitive tasks and boosting creativity. * Attended models: Streamline processes and routine tasks to the fullest. * Semi-attended models: Process automation with human supervision. * Unattended models:  Full process automation. **Performance** Make your business run like never before. Eliminate bottlenecks and grow exponentially. * Reduce costs and time in unimaginable ways. * Scale your operations without any additional investment. * Intercommunicate processes easily between different organizations. **Accuracy** Reaching 0 errors is now possible. Leave errors and error management behind by automating complex information-based processes. * Real state-of-the-art digital workforce. * 100% efficient process mining and interpretation. * Advanced cognitive automation. **Innovation** Do what you’ve always wanted to do. With RPA, you can transform your business with certainty and the confidence to lead. * Quick and direct process implementation. * Workflow and activity creation that was previously unfeasible. * Propose new success stories associated with your business. **Analysis** Get automated reports about your processes and your environment. Make decisions and audit with the best information. * We analyze your business and organization to find growth opportunities. * Data generation and performance indicators based on KPIs. * Reports based on audit procedures. Tecalis fully adapts to and integrates with your organizational and business processes We design the best RPA interface for your teams. * No previous computer programming knowledge is required to use RPA software. Tecalis provides a sophisticated and user-friendly interface that anyone can use. * We develop ad-hoc solutions that are tailored to your organization’s circumstances, integrating bots into your systems regardless of their nature and characteristics. Talk with us. * Tecalis RPA bots work in any environment, on any application, operative system, or work tool. Robotic Process Automation Streamline tedious processes instantly and get valuable information and analytics so you can make the right decisions for your company. Gain a competitive edge over your competitors. **Lead your industry**. The possibilities are limitless. Here are some examples of what you can do with Tecalis RPA automation services. **Customer relations and sales** * Queries, contacts, notifications, information provision, or chats. * Ordering and stock management, distribution, or requests and replenishment. * Pricing updates and modification. * Promotion creation, updates, and modification according to customer profiles and data. * Registrations and cancellations. Specialized content generation and delivery. * Risk analysis for insurance, finances, or contracting. * Sales statistics. * Service activation or cancellation. * Reservations, access code generation, etc. in the tourism and mobility sector. **Security and compliance** * Suspicious element and transaction detection. * Fraudulent activity detection. * Automatic account closures for users conducting unlawful behavior. * Immediate validation processes for any type of activity. **Reporting** * Big data. Automatically and intelligently analyze, treat, and use vast amounts of valuable information. * Prepare and send financial performance reports. * Data collection and business reports for auditing. * Continual competitor analysis. Product and pricing. * Automate inventory and archive levels. * Generate full reports by interpreting and combining different documents and information. For example, medical histories, expert witness reports, or financial audits. **Operations** * Supply chain automation implementation. * Complete automation of accounting processes. * Payment line automation. * Interconnection and automation with provider systems. * Typification changes to back-office requests. * Automated reading. * Processes related to all HR tasks. BPM Process Management Systems Apply Tecalis RPA in structured, unstructured, and customizable business processes. Tecalis helps your company or institution overcome the most complex challenges with the most advanced technology to help you create a **sustainable** **business model that revolutionizes your industry.** **We help** the leading companies redefine and adapt of their processes by developing the technology, tools, and digital products designed to lead with three simple steps. **Design** With Tecalis RPA, you can design a business structure and define your organization’s behavior and workflows with efficient and productive norms and standards. **Implementation** Cloud. Implement bots from a graphical interface and external API integrations to drive and transform your business processes. Standardize procedures and eliminate bottlenecks. **Comparison** Analyze and start over. Improve your organization and stay ahead of the curve by making decisions based on accurate and quality information. Enable Endless Transformation. RegTech Partner As a RegTech expert and EU-certified Trust Services Provider, Tecalis ensures maximum compliance in any process, whether it’s automated or not: * Complete electronic evidence. * Audit reports. * Evidentiary document and traceability. * Time stamping authority. --- ## Authentication | MFA PSD2 & SCA | KBA Biometrics | Tecalis **URL:** https://www.tecalis.com/products/authentication **Descripción:** Access control has been transformed by biometrics, virtual doors and automatic access controllers. Learn more about this system. A strong multi-factor authentication solution with advanced biometrics. Maximum security and frictionless access to products, services and systems. #### Manage credentials and provide fast, secure access to your customers, users and collaborators with the Tecalis KBA (Knowledge-Based Authentication) solution. **SCA and PSD2 compliant** Grant access to those who comply with the most demanding regulatory standards. * At any risk level. * Valid in banking, finance, insurance, or trading. * Traceability and access auditing. * Integration as a gateway. **KYC based solution** Based on Tecalis Identity Verification solution, our authentication system is agile and secure. * Success rate higher than 98%. * Tested and certified technology. * The best UX/UI experience. * On any device and channel. **MFA strategy configuration** Set up a multi-factor authentication strategy that’s designed to fit your needs. Tailored to you and your users. * OTP. Email, SMS. * Facial biometrics. * PIN. Fingerprint. * Database. Social login. **Anti-Spoofing Controls** In many cases, passwords by themselves are not enough. Combine secure methods to avoid fraud. * Protection against deepfakes. * Login warnings on a new device. *  Access levels depending on the type of login. * Proof of life in seconds. Tecalis operates as an EU-certified Trust Services Provider The processes carried out have the legal backing equivalent to a notary process. * Full electronic evidence. * Audit reports. * Evidentiary document and traceability. * Time stamping authority. Why The authentication process for product, service, and digital platform access must be robust and agile at the same time. We designed a technology **capable of identifying and granting access in a matter of seconds** with the necessary technical and regulatory support so that operations of any kind can be developed, regardless of their nature and risk level. **a** Provide your **employees, suppliers, or collaborators** with secure onsite and online access to necessary systems, hardware, software, applications, databases, networks, or facilities for their activity. **b** Offer your customers an agile way to identify themselves in order to **access their products or services** and perform crucial **operations** fully remotely in compliance with the technical and regulatory standards of your industry. **c** With KYC + Authentication under the same cross-device solution, you can give your **users** access to your organization's platforms so that **they can become customers without any additional steps.** **d** **Control, manage, and analyze** all accesses and operations from different areas. Network, systems, applications, and CRM. Automate. Embracing agility ## Embracing agility * Faster than any usual user and password access system.  * More secure than using static users and passwords.  * More possibilities than any other login method. **Identifies** The user shows their face, and the system performs the cross-referencing with the database. Additional authentication factors can be requested according to the company or organization's configuration. **Access** After the identification process is performed in seconds, the user can access the platform, physical installation, or digital service with complete security and guarantees. **Operate** Once they’re entered into the system, sensitive operations can be performed without the need to provide further credentials given the technical and regulatory characteristics of the initial login. Likewise, additional checks can be performed if the organization deems it necessary. **Contract** Furthermore, an electronic signature process can be performed once the user is in the system. Thanks to the previous reinforced login, this digital contracting process will have all the necessary regulatory support. --- ## Certified Communication | Trust Services | Tecalis **URL:** https://www.tecalis.com/products/certified-communication **Descripción:** Digitize, officialize and certify any administration with the support of a Trust Services Provider. Registered fax and electronic communications made easy. Digitalize, officialize, and certify any management with the support of a Trust Services Provider. Obtain a validity that’s superior to certified communication (fax). Connect with customers, employees, providers, or users with the highest technical and legal guarantees. **Digitalization** Boost productivity and optimize costs by digitizing key processes. * Automation of shipments. * Agile uploading of the information that will be communicated. * Advanced management platform. * Instant receipt, sending, and validation. **Multichannel** Reach your target with absolute safety, through any imaginable channel. No repudiation guarantee. * Certified e-mail. * SMS. * Phone call. * APP notification. **Probative efficacy** Prove and guarantee any type of operation, transaction, or notification by using the best technology. * Time stamping for sending, delivery, and reading. * Safe custody and storage for a minimum of 5 years. * Audit report / evidentiary certificate. * Privacy and recipient verification. **Traceability** End-to-end solution to securely document every stage of the process. * Content integrity assured. * Time and date reporting. * Total confidentiality. * Maximum security standards. Tecalis acts as an EU-certified Trust Service Provider The processes carried out by our company have the legal backing equivalent to a notary process. * Full electronic evidence. * Audit reports. * Evidentiary document. * Time stamping authority. * Minimum custody of 5 years. Notary Deposit. Use Cases Tecalis digitizes and certifies the operations of companies and organizations in all sectors and areas of activity. We develop solutions with you and for you. **Pre-contracts and job offers** * Pre-contracts and job offers. * Salaries, conditions, or schedules. * Layoffs. * Stamping of time sheets. **Purchasing** * Purchasing. * Material deliveries. * Repair, installation, and maintenance reports. * End of work. **Non-payments** * Non-payments. * Cancellation, discharge or service cuts. * Change of fees. * Acceptance of conditions. **Lease agreement termination** * Lease agreement termination. * Negotiations and legal proceedings. * Clause changes. * Offers, visiting parties acceptance. **Proceedings for debt payment** * Proceedings for debt payment. * Credit assignments. * Payment obligation releases. * Debt claims. **Contract terminations** * Contract terminations. * Policy renewals. * Coverage approal or rejection. * Documentation expiry and updating. **Medical reports** * Medical reports. * Expert reports. * Audits. * Documentation delivery. **Reservations** * Reservations. * Registration, examination. * Departure or entry of persons. * New documentation requests. **Acceptance recordings** * Acceptance recordings. * Contact attempt certification. * Action recording. * Sensitive documentation sealing. **Invoice sending** * Invoice sending. * Quote acceptance. * Contract expiration. * Referrals, date, and content. Embracing agility ## Embracing agility Back up your and your users’ actions with the peace of mind of a service that records every movement with technical and legal evidence. **Choose and set documents** Access the most complete platform for certified shipments and trusted services to configure the method that best meets your needs. **Send with guarantees** Back up your and your users’ actions with the peace of mind of a service that records every movement with technical and legal evidence. **Manage and prove** Obtain certification with all the electronic evidence and technical and legal controls for the process of sending communications. Pricing Plans Choose the eSignature plan that best suits your needs your users'. Start with a 7-day **free trial** of Tecalis and continue with your chosen plan or upgrade to a higher one if you need more. Select one of **our plans or contact us** to receive a personalized offer. --- ### Telecommunications Sector | Tecalis **URL:** https://www.tecalis.com/industries/telecommunications **Descripción:** Deliver an omnichannel experience with integrated processes and 360-degree vision. SaaS technology, customer hub, KYC onboarding and e-signature. Telecom Omnichannel and customer journeys are fundamental in new business models. Find the balance between your operations and customer experience without sacrificing security. How to maintain organizational agility Accelerating sales processes, implementing omnichannel services such as self-activation, simplifying in-store customer identification or facilitating employees' day-to-day lives are priority objectives in the telecommunications sector. **Omnichannel experience** Systems such as **self-service** or **click-and-collect** are gaining prominence over traditional sales, saving time for customers and employees. **Integrated processes** Offering guided processes, simplifying contracting with the correct **customer identification** or implementing digital documentation systems allow sales to be accelerated. **360° vision** A unified view of stock, prices, promotions, and customer history makes it easier to **personalize their experience**, increasing satisfaction and process efficiency. Customer Hub One platform to manage all your channels, brands, and products. **Gain efficiency in all your channels** Optimize the performance of your commercial strategies with a dashboard on PoS activity, targets, or activations. **Sales and Post-Sales** Improve conversion and personalization of your sales with consistent services and workflows across all your channels. **Implementation in 45 days** No impact on your teams. Connect your technical and organizational processes in a flexible system that adapts to your company. Ensure the security of your customers Connect your processes with Electronic Signature, Identity Verification, and Automation solutions **KYC Verification** Prevent errors, fraud, and threats such as SIM Swapping by **verifying the authenticity of the customer's documents and identity** when contracting products, issuing cards, or paying for recharges. **Electronic Signature** Reduces **contracting process from 3 to 1 minute**, improving efficiency in new subscriptions and renewals, activation and replacement of SIM cards and other procedures quickly and securely. **RPA Automation** The automation of **sales, top-up, and billing** processes facilitates the daily work of your employees by minimizing manual data entry, which not only increases performance but also security. Customer Stories **Orange: Self-service kiosks that simplify customer onboarding** Tecalis self-service kiosks have helped Orange digitize its retail network automating key tasks, enhancing customer service, and ensuring a secure, fully integrated system that connects every process in real time. **Tecalis self-service kiosks within Orange onsite channels** 78% reduction in waiting times **Telefónica: Customer Hub, a single tool for all sales channels management** Tecalis Customer Hub enables the efficient management of all points of sale, as well as the customized structuring of its sales network, allowing Telefónica to sell in alternative establishments in less than 6 months. **Customer Hub: A single tool for all sales channels management** Reduced + 80% non-commercial time **Vodafone WAS: Customer Hub driving alternative and wholesale channels** Tecalis designed and implemented a comprehensive channel management and commercial operations system based on Tecalis Customer Hub (CH) for Vodafone Spain, which was named Vodafone WAS. **Vodafone WAS: Customer Hub driving alternative and wholesale channels** Comprehensive channel management system **Movistar: Self-Activation with KYC and digital contracting** Tecalis conceived, designed and executed an end-to-end platform capable of performing self-activations in less than 3 minutes, with a user experience and interfaces designed to avoid abandonment rates. **Self-Activation with KYC and digital contracting** Activation < 3 minutes **O2: Our Identity Verification for a secure experience** The integration of Tecalis' identity verification solution has enabled O2 to be more productive, mitigate risk, and comply with current regulations. Now, the average onboarding time does not exceed one and a half minutes. **Our Identity Verification for a secure experience** Contracting in < 1.5 minutes Resources that may interest you **Telco Industry Outlook 2025-2030: Industry Mornings Overview** en 2025-10-17T13:01:58.000Z 2025-10-03T09:00:49.000Z 2025-10-17T13:01:59.000Z Reading time: 9 minutes 2025-09-15 **TIM-telco-blog-ENG.png** TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 1392.85 local 2025-10-03T15:01:28.000Z 2025-10-07T10:11:22.000Z The Future of the Telco Industry Through 2030: Insights from Tecalis Industry Morning 2080 1080 **thumbnail\_TIM-telco-blog-ENG.png** thumbnail\_TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 245 127 40.49 **large\_TIM-telco-blog-ENG.png** large\_TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 1000 519 491.82 **medium\_TIM-telco-blog-ENG.png** medium\_TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 750 389 289.52 **small\_TIM-telco-blog-ENG.png** small\_TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 500 260 138.68 84108a6d-5ba8-5402-98a7-d55a1a255480 **Telco Industry Outlook 2025-2030: Industry Mornings Overview** **TIM-telco-blog-ENG.png** TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 1392.85 local 2025-10-03T15:01:28.000Z 2025-10-07T10:11:22.000Z The Future of the Telco Industry Through 2030: Insights from Tecalis Industry Morning 2080 1080 **thumbnail\_TIM-telco-blog-ENG.png** thumbnail\_TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 245 127 40.49 **large\_TIM-telco-blog-ENG.png** large\_TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 1000 519 491.82 **medium\_TIM-telco-blog-ENG.png** medium\_TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 750 389 289.52 **small\_TIM-telco-blog-ENG.png** small\_TIM\_telco\_blog\_ENG\_4c1f3e00a9 .png image/png 500 260 138.68 84108a6d-5ba8-5402-98a7-d55a1a255480 **Interactive Kiosk: models, types, uses, customization, multimedia and more** en 2025-05-07T10:54:48.000Z 2025-05-07T10:54:42.000Z 2026-02-10T15:54:11.000Z Reading time: 5 minutes. 2025-04-01 **Kioskos interactivos-2.png** Kioskos\_interactivos\_2\_665d8ed209 .png image/png 1388.3 local 2025-04-15T13:58:44.000Z 2025-04-15T13:58:44.000Z Person doing a self check in in an interactive kiosk blogpost header 4160 2160 **thumbnail\_Kioskos interactivos-2.png** thumbnail\_Kioskos\_interactivos\_2\_665d8ed209 .png image/png 245 127 55.03 **large\_Kioskos interactivos-2.png** large\_Kioskos\_interactivos\_2\_665d8ed209 .png image/png 1000 519 655.7 **medium\_Kioskos interactivos-2.png** medium\_Kioskos\_interactivos\_2\_665d8ed209 .png image/png 750 389 391.93 **small\_Kioskos interactivos-2.png** small\_Kioskos\_interactivos\_2\_665d8ed209 .png image/png 500 260 189.97 96f732fc-d766-513a-8794-e731fcc833ef **Self service kiosk: Uses, models and features to consider before buying one** **Kiosco-autoservicio-3.png** Kiosco\_autoservicio\_3\_c4eead00db .png image/png 2888.06 local 2025-05-23T14:44:36.000Z 2025-05-23T14:44:36.000Z Woman using a self service kiosk for expending a sim card 4160 2160 **thumbnail\_Kiosco-autoservicio-3.png** thumbnail\_Kiosco\_autoservicio\_3\_c4eead00db .png image/png 245 127 52.78 **large\_Kiosco-autoservicio-3.png** large\_Kiosco\_autoservicio\_3\_c4eead00db .png image/png 1000 519 570.57 **medium\_Kiosco-autoservicio-3.png** medium\_Kiosco\_autoservicio\_3\_c4eead00db .png image/png 750 389 349.97 **small\_Kiosco-autoservicio-3.png** small\_Kiosco\_autoservicio\_3\_c4eead00db .png image/png 500 260 175.16 ce08d35d-9390-5194-9e5e-bd036ee73f13 Use Case **AutoSIM: What should have always been** Issuing, duplicating and activating SIM cards for both prepaid and new flat-rate services are key processes for any telecom. It is the foundation on which a new customer's first experience is built. Download use case AutoSIM en 2022-04-21T11:43:42.000Z 2022-03-23T10:54:39.000Z 2025-03-07T07:57:59.000Z AutoSIM EN 26 **caso-de-uso-autosim-img-en.png** caso\_de\_uso\_autosim\_img\_en\_218ba93fc6 .png image/png 763.82 local 2023-07-05T16:56:19.000Z 2023-07-05T16:56:19.000Z sim changing 1312 1184 **thumbnail\_caso-de-uso-autosim-img-en.png** thumbnail\_caso\_de\_uso\_autosim\_img\_en\_218ba93fc6 .png image/png 173 156 38 **large\_caso-de-uso-autosim-img-en.png** large\_caso\_de\_uso\_autosim\_img\_en\_218ba93fc6 .png image/png 1000 902 681.04 **medium\_caso-de-uso-autosim-img-en.png** medium\_caso\_de\_uso\_autosim\_img\_en\_218ba93fc6 .png image/png 750 677 400.66 **small\_caso-de-uso-autosim-img-en.png** small\_caso\_de\_uso\_autosim\_img\_en\_218ba93fc6 .png image/png 500 451 196.18 1b68bead-9c7d-550b-a844-fc1e9ef8942e **AutoSIM: What should have always been** **caso-de-uso-autosim-en.png** caso\_de\_uso\_autosim\_en\_b423d05a60 .png image/png 671.75 local 2023-07-06T16:38:54.000Z 2024-09-24T12:17:53.000Z Autosim use case 1800 994 **thumbnail\_caso-de-uso-autosim-en.png** thumbnail\_caso\_de\_uso\_autosim\_en\_b423d05a60 .png image/png 245 135 35.35 **large\_caso-de-uso-autosim-en.png** large\_caso\_de\_uso\_autosim\_en\_b423d05a60 .png image/png 1000 552 355.31 **medium\_caso-de-uso-autosim-en.png** medium\_caso\_de\_uso\_autosim\_en\_b423d05a60 .png image/png 750 414 216.22 **small\_caso-de-uso-autosim-en.png** small\_caso\_de\_uso\_autosim\_en\_b423d05a60 .png image/png 500 276 109.91 23e193df-76ea-5439-a27a-36a5b18f9fab --- ### Insurance Sector | Fraud prevention | Tecalis **URL:** https://www.tecalis.com/industries/insurance **Descripción:** Achieve digital transformation with a unified experience. Reduce fraud and comply with regulations. KYC, Customer Hub, and Digital Signature. Learn More! Insurance Accelerate policy issuance and claims processing by preventing fraud through your branches, brokers, call centers or online channel. How to approach the digital transformation of the insurance sector Clients demand that insurance companies innovate in their processes and services. Diversifying business or processing contracts in just minutes requires a digital, automated, and secure ecosystem. **Unified experience** Equipping agents with a portal that simplifies contracting through guided **processes and updated data** will enable a positive customer experience. **Fraud reduction** Protecting customer information and preventing potential fraudulent **claims** are two key aspects with significant associated costs. **Regulation and regulations** Ensuring compliance with international regulations such as **GDPR, eIDAS, AML, or KYC** is an increasingly demanding requirement. Identity Verification KYC A platform to ensure end-to-end customer or broker registration and onboarding. **Instant customer registration** Collect and verify the identity information of your insured with OCR technology to mitigate any risk of fraud. **Broker Onboarding** Manage the onboarding of brokers quickly and securely by verifying their identity remotely. **100% compliant** Incorporate new use cases complying with the most demanding KYC, AML, SEPBLAC, RGPD or PSD2/3 requirements. Reduce fraud and guarantee your customer’s privacy Connect your processes with Electronic Signature, Identity Verification and Automation solutions **KYB (Know Your Business)** KYB enables insurance companies to **identify potential financial risks** **by verifying the legitimacy** of other businesses and **ensure regulatory compliance** in the conduct of any activity on an international scale. **Electronic signature** Speed ​​up the **issuance of policies and contracts signing** with a solution that covers the entire process without waiting or lost documents. Provide your customers with **complete management** of their documents from anywhere. **RPA Automation** Errors in forms management, sending updates or ensuring **regulatory compliance** can be solved with automation processes, avoiding the loss of customers and other financial damages. Resources that may interest you **BFSI challenges: Fraud and customer experience** The current outlook is decisive: we are at a key moment in which **the industry is divided** between those who are leading growth in customer numbers and those who are finding it difficult to be sustainable. However, we are finding how this area is tending towards a **certain convergence** given the synergies enabled by **new ways of doing banking, insurance and financial services** and the new regulatory framework that is to come. This **industry overview identifies the key points** to work on and build upon in order to build a **sustainable and effective BFSI business model**. Download now Banking, Financial Services, Insurance, Investments & FinTech **What are those who achieve objectives doing right?** From aggressive marketing strategies focused on acquisition to innovations in onboarding, acquisition, and retention processes have changed. Let’s analyze **what strategies are actually working**, the **profitability** of these actions, and how to perform them with scalable systems to **reach zero fraud and penalties**. Get an overview of the situation Download eBook en 2022-09-02T11:56:56.000Z 2022-08-24T13:17:04.000Z 2025-03-07T07:42:36.000Z BSFI EN 20 **bfsi-img1a-en.png** bfsi\_img1a\_en\_dee7d83f22 .png image/png 669.31 local 2023-03-14T13:01:11.000Z 2023-03-14T13:03:23.000Z BFSI Challenges cover 977 1174 **thumbnail\_bfsi-img1a-en.png** thumbnail\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 130 156 39.93 **large\_bfsi-img1a-en.png** large\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 832 1000 795.05 **medium\_bfsi-img1a-en.png** medium\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 624 750 486.24 **small\_bfsi-img1a-en.png** small\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 416 500 248.83 077dd1b3-add8-58ee-956c-79c45f9661c6 **bfsi-img2a-en.png** bfsi\_img2a\_en\_a01abbb767 .png image/png 869.95 local 2023-03-14T13:01:13.000Z 2023-03-14T13:03:52.000Z Use cases in Insurance 1060 1284 **thumbnail\_bfsi-img2a-en.png** thumbnail\_bfsi\_img2a\_en\_a01abbb767 .png image/png 129 156 27.28 **large\_bfsi-img2a-en.png** large\_bfsi\_img2a\_en\_a01abbb767 .png image/png 826 1000 709.68 **medium\_bfsi-img2a-en.png** medium\_bfsi\_img2a\_en\_a01abbb767 .png image/png 619 750 410.09 **small\_bfsi-img2a-en.png** small\_bfsi\_img2a\_en\_a01abbb767 .png image/png 413 500 197.27 ec608dc3-fde0-5c83-9684-4c1154cf7580 **BFSI challenges: Fraud and customer experience** **ebook-industria-bfsi-en.png** ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 578.81 local 2023-03-14T13:01:15.000Z 2024-09-24T12:08:55.000Z eBook: BFSI industry challenges 1800 993 **thumbnail\_ebook-industria-bfsi-en.png** thumbnail\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 245 135 37.04 **large\_ebook-industria-bfsi-en.png** large\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 1000 552 331.99 **medium\_ebook-industria-bfsi-en.png** medium\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 750 414 208.97 **small\_ebook-industria-bfsi-en.png** small\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 500 276 109.52 235e9ae7-3c2a-503b-bdbe-0366e47dbf8d Product Overview **Insurance Sector: KYC/AML Onboarding and Digital Contracting** The digital transformation of the insurance industry requires robust and capable onboarding and KYC processes. Find out how you can automate the entire process, from valuation to policy activation in compliance with international regulations and standards. Download now en 2024-03-06T08:29:51.000Z 2024-02-14T13:55:19.000Z 2025-07-07T11:06:18.000Z seguros onboarding kyc EN 0 36 **onboarding-kyc-aml-aseguradoras- en.png** onboarding\_kyc\_aml\_aseguradoras\_en\_d694d618ee .png image/png 984.39 local 2024-03-06T08:25:55.000Z 2024-03-06T15:13:37.000Z KYC/AML Onboarding and digital Contracting for insurance sector 1312 1184 **thumbnail\_onboarding-kyc-aml-aseguradoras- en.png** thumbnail\_onboarding\_kyc\_aml\_aseguradoras\_en\_d694d618ee .png image/png 173 156 40.66 **large\_onboarding-kyc-aml-aseguradoras- en.png** large\_onboarding\_kyc\_aml\_aseguradoras\_en\_d694d618ee .png image/png 1000 902 805.63 **medium\_onboarding-kyc-aml-aseguradoras- en.png** medium\_onboarding\_kyc\_aml\_aseguradoras\_en\_d694d618ee .png image/png 750 677 465.3 **small\_onboarding-kyc-aml-aseguradoras- en.png** small\_onboarding\_kyc\_aml\_aseguradoras\_en\_d694d618ee .png image/png 500 451 220.83 9a5b77c9-35a2-5dcd-acc9-8cd4234fe5da **Insurance Sector: KYC/AML Onboarding and Digital Contracting** **onboarding-kyc-aml-seguros-en.png** onboarding\_kyc\_aml\_seguros\_en\_6ccc68b07a .png image/png 1089.53 local 2024-03-06T08:25:56.000Z 2024-09-24T12:31:08.000Z KYC Onboarding and digital Contracting for insurance industry 2100 1159 **thumbnail\_onboarding-kyc-aml-seguros-en.png** thumbnail\_onboarding\_kyc\_aml\_seguros\_en\_6ccc68b07a .png image/png 245 135 36.93 **large\_onboarding-kyc-aml-seguros-en.png** large\_onboarding\_kyc\_aml\_seguros\_en\_6ccc68b07a .png image/png 1000 552 375.41 **medium\_onboarding-kyc-aml-seguros-en.png** medium\_onboarding\_kyc\_aml\_seguros\_en\_6ccc68b07a .png image/png 750 414 226.8 **small\_onboarding-kyc-aml-seguros-en.png** small\_onboarding\_kyc\_aml\_seguros\_en\_6ccc68b07a .png image/png 500 276 114.69 b7ed97b6-304a-5be1-aaf5-31c50736d4c6 **eIDAS Regulation (electronic IDentification, Authentication, and trust Services)** en 2021-12-02T07:40:21.000Z 2021-12-01T18:40:04.000Z 2024-10-02T15:36:23.000Z November 14, 2022 Reading time: 4 min. 2021-12-13 **eidas.png** eidas\_d1e3fc569f .png image/png 882.64 local 2023-01-24T14:12:44.000Z 2023-01-26T18:03:29.000Z Firma Electrónica cumpliendo con eIDAS | Electronic Signature complying with eIDAS 2080 1080 **thumbnail\_eidas.png** thumbnail\_eidas\_d1e3fc569f .png image/png 245 127 36.73 **large\_eidas.png** large\_eidas\_d1e3fc569f .png image/png 1000 519 382.76 **medium\_eidas.png** medium\_eidas\_d1e3fc569f .png image/png 750 389 234.44 **small\_eidas.png** small\_eidas\_d1e3fc569f .png image/png 500 260 118.24 a2c43cf1-f08f-582f-9710-0fdb485a7053 **All about eIDAS 2: Dates, approach, news and EUDI wallet** **eidas2-en.png** eidas2\_en\_31cab7d46d .png image/png 2637.81 local 2024-03-12T14:00:14.000Z 2024-09-24T12:31:38.000Z eIDAS2: Dates, approach, news and EUDI wallet 3120 1620 **thumbnail\_eidas2-en.png** thumbnail\_eidas2\_en\_31cab7d46d .png image/png 245 127 42.05 **large\_eidas2-en.png** large\_eidas2\_en\_31cab7d46d .png image/png 1000 519 491.9 **medium\_eidas2-en.png** medium\_eidas2\_en\_31cab7d46d .png image/png 750 389 290.34 **small\_eidas2-en.png** small\_eidas2\_en\_31cab7d46d .png image/png 500 260 141.7 639964c6-012d-55a2-85ed-e6f7574e9c06 --- ### Energy & Utilities Sector | Tecalis **URL:** https://www.tecalis.com/industries/utilities-energy **Descripción:** Increase customer satisfaction and achieve an omnichannel experience. SaaS Technology, Identity Verification and eSignature. Find out more! Energy & Utilities In a fast-moving and dynamic industry, delivering a personalized, transparent, and seamless experience is crucial to staying in business. How to avoid switching The energy and utilities sector has three fundamental objectives: facilitating call center or digital channel contracting, providing greater user autonomy, and simplifying employees' daily tasks. **Self-service solutions** More and more users are demanding to **manage their subscriptions autonomously and easily** without contacting a sales representative. **Digital environment** Teams require tools to provide better service with **guided processes and access to critical information** such as tariffs, insurance, or installation data. **Customer-centric** Improve customer acquisition and retention with an integrated system that enables **efficient data management and a personalized experience**. Customer Hub Greater customer and team satisfaction with an intuitive, omnichannel experience. **More efficient channels** Exceed your customers' expectations with a sales strategy based on real-time data about the most demanded services, new registrations, and goal achievement. **Higher conversion and retention** Qualify your teams with guided work processes that allow them to report the best possible offer and its conditions transparently in any channel. **Implementation in 45 days** No impact on your teams. Connect your technical and organizational processes in a flexible system that adapts to your company. Focus on customer experience Connect your processes with Electronic Signature, Identity Verification, and Automation solutions **KYC Verification** Optimize your **customer onboarding** by verifying their identity in seconds. Collect critical data to offer a more convenient digital experience without compromising security. **Electronic Signature** Increase the value of your onboarding process by incorporating **contract and other online documents signing in a single workflow**, eliminating the need for physical documents with a secure and instantaneous experience. **Automation - RPA** Process automation is an essential aspect when it comes to serving a higher volume of **satisfied customers**, increasing **operational efficiency**, and ensuring **regulatory compliance** while saving costs and time. Customer Stories **Telefónica: Customer Hub, a single tool for all sales channels management** Tecalis Customer Hub enables the efficient management of all points of sale, as well as the customized structuring of its sales network, allowing Telefónica to sell in alternative establishments in less than 6 months. **Customer Hub: A single tool for all sales channels management** Reduced + 80% non-commercial time **Vodafone WAS: Customer Hub driving alternative and wholesale channels** Tecalis designed and implemented a comprehensive channel management and commercial operations system based on Tecalis Customer Hub (CH) for Vodafone Spain, which was named Vodafone WAS. **Vodafone WAS: Customer Hub driving alternative and wholesale channels** Comprehensive channel management system **Orange: Customer Hub for sales teams and integrated channel management** Our Customer Hub has enabled Orange to create an efficient and secure system, with which to carry out all the key operations of its activity, unifying the experience of employees and customers on a single platform. **Customer Hub: Sales teams and integrated channel management** +10M activations with Tecalis seal **Movistar: Self-Activation with KYC and digital contracting** Tecalis conceived, designed and executed an end-to-end platform capable of performing self-activations in less than 3 minutes, with a user experience and interfaces designed to avoid abandonment rates. **Self-Activation with KYC and digital contracting** Activation < 3 minutes **O2: Our Identity Verification for a secure experience** The integration of Tecalis' identity verification solution has enabled O2 to be more productive, mitigate risk, and comply with current regulations. Now, the average onboarding time does not exceed one and a half minutes. **Our Identity Verification for a secure experience** Contracting in < 1.5 minutes Resources that may interest you **Digital Identity and eSignature Trends** **Identity verification and eSignature** systems have managed to **avoid SIM Swapping** in the telecommunications industry, enable **instant registrations** in banking or build **online self-check-in models** in the tourism sector. The possibilities of the new SaaS platforms are practically unlimited. This exhaustive analysis contains the **most relevant use cases in each sector and the insights** provided by their users. Explore the **techniques and tools** needed **for each operational function of the company**. Download now Best practices of those who are exceeding marks **How to match market demands with my business’ characteristics and objectives?** Discover how agile process integration can help your business **increase sales, comply with regulations easily and save on costs**. **Exclusive data and information from our clients** where you will find a detailed perspective about: Get a full overview of the situation Download eBook en 2023-01-16T13:47:56.000Z 2023-01-11T16:58:12.000Z 2025-11-06T11:08:54.000Z tendencias EN 3 18 **tendencias-img1b-en.png** tendencias\_img1b\_en\_d971cc13f8 .png image/png 820.13 local 2025-11-06T10:54:49.000Z 2025-11-06T11:00:28.000Z Cover of Trends eBook 960 1160 **thumbnail\_tendencias-img1b-en.png** thumbnail\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 129 156 35.8 **large\_tendencias-img1b-en.png** large\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 828 1000 811.1 **medium\_tendencias-img1b-en.png** medium\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 621 750 478.63 **small\_tendencias-img1b-en.png** small\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 414 500 234.02 226d1856-b1c7-54ef-9fc1-198ebc04d3cd **tendencias-img2b-en.png** tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 908.94 local 2025-11-06T10:54:49.000Z 2025-11-06T11:00:54.000Z key trends by industry 1059 1284 **thumbnail\_tendencias-img2b-en.png** thumbnail\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 129 156 27.2 **large\_tendencias-img2b-en.png** large\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 825 1000 701.1 **medium\_tendencias-img2b-en.png** medium\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 619 750 411.84 **small\_tendencias-img2b-en.png** small\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 412 500 197.31 23d88926-61f1-55e0-a74d-d088a6fb3c8f **Digital Identity and eSignature Trends 2023-2025** **ebook-tendencias-en.png** ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 781.25 local 2023-03-14T13:01:19.000Z 2025-03-03T09:15:48.000Z eBook about Digital Identity and eSignature Trends 1800 993 **thumbnail\_ebook-tendencias-en.png** thumbnail\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 245 135 35.82 **large\_ebook-tendencias-en.png** large\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 1000 552 378.56 **medium\_ebook-tendencias-en.png** medium\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 750 414 228.54 **small\_ebook-tendencias-en.png** small\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 500 276 113.21 692ba107-00a8-5dc9-8bbd-4a24f8fff6bd **Utilities: what it is, how this industry works and its convergence with telecommunications** en 2023-08-02T07:22:20.000Z 2023-07-12T15:22:32.000Z 2026-02-11T10:13:06.000Z Reading time: 3 min. 2023-06-26 **utilities-en.png** utilities\_en\_f69a132538 .png image/png 1067.06 local 2023-08-02T12:19:44.000Z 2023-08-02T12:20:35.000Z Utilities & Telecoms: Its convergence 1041 541 **thumbnail\_utilities-en.png** thumbnail\_utilities\_en\_f69a132538 .png image/png 245 127 83.08 **large\_utilities-en.png** large\_utilities\_en\_f69a132538 .png image/png 1000 520 1259.32 **medium\_utilities-en.png** medium\_utilities\_en\_f69a132538 .png image/png 750 390 719.85 **small\_utilities-en.png** small\_utilities\_en\_f69a132538 .png image/png 500 260 327.8 a098ebdf-085c-5c45-a6ce-24cbead40248 **Utilities: what it is, how this industry works and its convergence with telecommunications** **utilities-en.png** utilities\_en\_f69a132538 .png image/png 1067.06 local 2023-08-02T12:19:44.000Z 2023-08-02T12:20:35.000Z Utilities & Telecoms: Its convergence 1041 541 **thumbnail\_utilities-en.png** thumbnail\_utilities\_en\_f69a132538 .png image/png 245 127 83.08 **large\_utilities-en.png** large\_utilities\_en\_f69a132538 .png image/png 1000 520 1259.32 **medium\_utilities-en.png** medium\_utilities\_en\_f69a132538 .png image/png 750 390 719.85 **small\_utilities-en.png** small\_utilities\_en\_f69a132538 .png image/png 500 260 327.8 a098ebdf-085c-5c45-a6ce-24cbead40248 Product Overview **Customer Hub: Transform your commercial operations with ease** Simplify and scale all your business operations with techniques and innovations from leaders in all industries. Sales efforts in areas such as telecommunications, BFSI (Banking, Financial Services, FinTech, Insurance...) or utilities must be performed in a planned way and with a special focus on the contracting process. Download now en 2023-10-02T10:41:03.000Z 2023-09-27T11:01:56.000Z 2025-03-07T08:03:50.000Z product overview hub EN 5 40 **brochure-customer-hub-img-en.png** brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 638.21 local 2023-09-29T14:01:45.000Z 2023-09-29T14:01:45.000Z cover customer hub brochure 1312 1184 **thumbnail\_brochure-customer-hub-img-en.png** thumbnail\_brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 173 156 31.41 **large\_brochure-customer-hub-img-en.png** large\_brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 1000 902 554.63 **medium\_brochure-customer-hub-img-en.png** medium\_brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 750 677 330.4 **small\_brochure-customer-hub-img-en.png** small\_brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 500 451 162.11 2be57094-9a50-52be-8a57-feb2a491c394 **Customer Hub: Transform your commercial operations with ease** **product-overview-en.png** product\_overview\_en\_2476aaf61a .png image/png 473.07 local 2023-10-02T10:40:27.000Z 2024-09-24T11:38:10.000Z Customer Hub- Product Overview 1822 1005 **thumbnail\_product-overview-en.png** thumbnail\_product\_overview\_en\_2476aaf61a .png image/png 245 135 27.84 **large\_product-overview-en.png** large\_product\_overview\_en\_2476aaf61a .png image/png 1000 552 254.52 **medium\_product-overview-en.png** medium\_product\_overview\_en\_2476aaf61a .png image/png 750 414 159.27 **small\_product-overview-en.png** small\_product\_overview\_en\_2476aaf61a .png image/png 500 276 82.62 fcf81faa-601d-559c-b83f-17c11f7d3fb2 --- ### Banking, Financial Services and Fintech Sector | Tecalis **URL:** https://www.tecalis.com/industries/banking-financial-services-fintech **Descripción:** Achieve secure customer onboarding, registration and authentication through our KYC Identity Verification and eSignature solutions. Find out more! Banking & Fintech Complete new registrations, loan applications or online contracts in minutes and ensure regulatory compliance in more than 190 countries. How to prevent fraud and improve the experience Preventing identity fraud in customer onboarding, credit card, account opening, or real-time payments is a requirement for banks and financial institutions that should not conflict with other aspects such as operational efficiency or customer experience. **Instant onboarding and registration** Fulfilling the technical and legal requirements to open a bank account online on any channel or device is now a reality. **Authentication and customer portal** As part of PSD2, the SCA allows you to add an extra layer of security to authenticate the user's identity and increase confidence in any online payment. **KYC and Electronic Signature** A RegTech eSignature and identity identification platform with AML controls is a must for scaling any business model. Onboarding KYC/AML Seamless experience, regulatory compliance, and high conversion rates. **Intelligent workflows** Build workflows tailored to your customer and channel activity while minimizing abandonment rates during the process. **Seamless experience** Instantly detect customer data with OCR technology, recognizing the document intelligently and auto-filling fields. **Regulatory compliance** Finalize the process by ensuring conversion within minutes, with the support of a RegTech partner recognized by regulators. Scale your business with global solutions Ensure regulatory compliance with our Electronic Signature, KYB, or Automation solutions. **Electronic Signature** Connect electronic signature and KYC processes in a single flow and platform to increase engagement rates with a **unified experience** while gaining superior legal support. **Automation - RPA** Automate daily tasks such as customer verification, payment and loan processing, and reporting, and **save up to 75% of time and resources**, improving customer satisfaction. **KYB** KYB is an essential tool for banks and financial institutions to e**valuate the reputation of companies, partners, and third parties** to protect against illicit activities. **Pensumo: Instant user registration** Tecalis’ onboarding solution has helped Ibercaja, through Pensumo, launch a fully digital registration process that brings together identity verification (KYC/AML), electronic signatures (eIDAS), and advanced anti-fraud controls in a single, secure, and adaptable workflow. **Instant user registration for innovative FinTech product: Pension insurance cashback** 96% conversion rate on complete processes Resources that may interest you **Bank scraping and reading: more secure and hyper-personalized onboarding** Digital transformation in **financial, insurance, real estate, crypto, telco or utilities industries** demands agile and secure methods to **validate customer information, understand their profile and verify their bank accounts**, something that is increasingly **demanded by regulations such as AML6 and PSD3 thanks to Open Banking.** **With the increase of digital onboarding processes**, bank verification and analysis of financial data and transactions has become an **essential element to prevent fraud, ensure compliance with onboarding processes (KYC, KYB, AML, eSignature eIDAS Contracting) and improve user experience**. Download now Verify bank accounts and use automated credit scoring in your onboarding processes These systems and processes - **100% legal if performed by a RegTech QTSP player** and with the client's authorization - **allow us to offer higher quality services, at a lower cost and with minimized risk**. When combined with emerging technologies such as **artificial intelligence (AI), OCR, Open Banking and RegTech banking APIs**, they allow us to **extract, process and validate financial information from our users and customers in real time.** Discover how you can grow your business, products and services; save costs and comply with regulations using bank scraping. Download whitepaper en 2025-05-19T10:08:12.000Z 2025-05-19T07:56:19.000Z 2025-05-19T14:41:01.000Z Bank-Scraping-en 1 32 **ebook-banca-en.png** ebook\_banca\_en\_82b2c9253a .png image/png 1097.22 local 2025-05-19T07:50:45.000Z 2025-05-19T09:35:17.000Z Bank scraping reading 1312 1352 **thumbnail\_ebook-banca-en.png** thumbnail\_ebook\_banca\_en\_82b2c9253a .png image/png 151 156 37.07 **large\_ebook-banca-en.png** large\_ebook\_banca\_en\_82b2c9253a .png image/png 970 1000 863.97 **medium\_ebook-banca-en.png** medium\_ebook\_banca\_en\_82b2c9253a .png image/png 728 750 498.09 **small\_ebook-banca-en.png** small\_ebook\_banca\_en\_82b2c9253a .png image/png 485 500 238.61 d9d8b15d-6eb1-584c-b0cd-d272597955e6 **ebook-banca-es-1.png** ebook\_banca\_es\_1\_3315a41f2e .png image/png 898.69 local 2025-05-19T11:57:17.000Z 2025-05-19T11:57:17.000Z 1412 1324 **thumbnail\_ebook-banca-es-1.png** thumbnail\_ebook\_banca\_es\_1\_3315a41f2e .png image/png 166 156 35.27 **large\_ebook-banca-es-1.png** large\_ebook\_banca\_es\_1\_3315a41f2e .png image/png 1000 938 564.66 **medium\_ebook-banca-es-1.png** medium\_ebook\_banca\_es\_1\_3315a41f2e .png image/png 750 703 332.2 **small\_ebook-banca-es-1.png** small\_ebook\_banca\_es\_1\_3315a41f2e .png image/png 500 469 166.73 2ddb1c82-1b7c-547c-9794-b6d1497a4d58 **Bank scraping and reading: more secure and hyper-personalized onboarding** **ebook-banca-en-3.png** ebook\_banca\_en\_3\_9f293728bb .png image/png 375.36 local 2025-05-19T07:30:59.000Z 2025-05-19T09:34:48.000Z Bank scraping reading onboarding clients 1200 662 **thumbnail\_ebook-banca-en-3.png** thumbnail\_ebook\_banca\_en\_3\_9f293728bb .png image/png 245 135 31.59 **large\_ebook-banca-en-3.png** large\_ebook\_banca\_en\_3\_9f293728bb .png image/png 1000 552 360.99 **medium\_ebook-banca-en-3.png** medium\_ebook\_banca\_en\_3\_9f293728bb .png image/png 750 414 212.12 **small\_ebook-banca-en-3.png** small\_ebook\_banca\_en\_3\_9f293728bb .png image/png 500 276 102.72 b4a394e9-2db1-53f4-92f0-f0bbd94539a7 Product Overview **Onboarding and KYC for Banking and Financial Services** BFSI industries are well aware of the need for robust and capable onboarding and KYC processes. The requirements of regulators and the demands of today's users need to be met with ease. Discover the details of existing models and systems. Download now en 2023-01-11T11:29:16.000Z 2023-01-10T09:43:50.000Z 2025-12-22T10:15:44.000Z onboarding y kyc EN 3 **caso-de-uso-ficha-de-producto-img-en.png** caso\_de\_uso\_ficha\_de\_producto\_img\_en\_31ec50caed .png image/png 923.79 local 2023-07-18T11:35:56.000Z 2023-07-18T11:40:49.000Z man searching on the Internet with a laptop 1312 1184 **thumbnail\_caso-de-uso-ficha-de-producto-img-en.png** thumbnail\_caso\_de\_uso\_ficha\_de\_producto\_img\_en\_31ec50caed .png image/png 173 156 41.87 **large\_caso-de-uso-ficha-de-producto-img-en.png** large\_caso\_de\_uso\_ficha\_de\_producto\_img\_en\_31ec50caed .png image/png 1000 902 820.07 **medium\_caso-de-uso-ficha-de-producto-img-en.png** medium\_caso\_de\_uso\_ficha\_de\_producto\_img\_en\_31ec50caed .png image/png 750 677 485.11 **small\_caso-de-uso-ficha-de-producto-img-en.png** small\_caso\_de\_uso\_ficha\_de\_producto\_img\_en\_31ec50caed .png image/png 500 451 233.73 5b578382-ec31-5e70-ae81-0183020215a1 **Onboarding and KYC for Banking and Financial Services** **caso-de-uso-ficha-de-producto-en.png** caso\_de\_uso\_ficha\_de\_producto\_en\_0c61520699 .png image/png 212.05 local 2023-10-02T10:44:04.000Z 2024-09-24T12:09:32.000Z Onboarding and KYC for Banks and Financial Services 1500 828 **thumbnail\_caso-de-uso-ficha-de-producto-en.png** thumbnail\_caso\_de\_uso\_ficha\_de\_producto\_en\_0c61520699 .png image/png 245 135 36.68 **large\_caso-de-uso-ficha-de-producto-en.png** large\_caso\_de\_uso\_ficha\_de\_producto\_en\_0c61520699 .png image/png 1000 552 330.26 **medium\_caso-de-uso-ficha-de-producto-en.png** medium\_caso\_de\_uso\_ficha\_de\_producto\_en\_0c61520699 .png image/png 750 414 213.32 **small\_caso-de-uso-ficha-de-producto-en.png** small\_caso\_de\_uso\_ficha\_de\_producto\_en\_0c61520699 .png image/png 500 276 112.31 57b2727c-d039-5672-847a-0312bb487de2 **BFSI challenges: Fraud and customer experience** The current outlook is decisive: we are at a key moment in which **the industry is divided** between those who are leading growth in customer numbers and those who are finding it difficult to be sustainable. However, we are finding how this area is tending towards a **certain convergence** given the synergies enabled by **new ways of doing banking, insurance and financial services** and the new regulatory framework that is to come. This **industry overview identifies the key points** to work on and build upon in order to build a **sustainable and effective BFSI business model**. Download now Banking, Financial Services, Insurance, Investments & FinTech **What are those who achieve objectives doing right?** From aggressive marketing strategies focused on acquisition to innovations in onboarding, acquisition, and retention processes have changed. Let’s analyze **what strategies are actually working**, the **profitability** of these actions, and how to perform them with scalable systems to **reach zero fraud and penalties**. Get an overview of the situation Download eBook en 2022-09-02T11:56:56.000Z 2022-08-24T13:17:04.000Z 2025-03-07T07:42:36.000Z BSFI EN 20 **bfsi-img1a-en.png** bfsi\_img1a\_en\_dee7d83f22 .png image/png 669.31 local 2023-03-14T13:01:11.000Z 2023-03-14T13:03:23.000Z BFSI Challenges cover 977 1174 **thumbnail\_bfsi-img1a-en.png** thumbnail\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 130 156 39.93 **large\_bfsi-img1a-en.png** large\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 832 1000 795.05 **medium\_bfsi-img1a-en.png** medium\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 624 750 486.24 **small\_bfsi-img1a-en.png** small\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 416 500 248.83 077dd1b3-add8-58ee-956c-79c45f9661c6 **bfsi-img2a-en.png** bfsi\_img2a\_en\_a01abbb767 .png image/png 869.95 local 2023-03-14T13:01:13.000Z 2023-03-14T13:03:52.000Z Use cases in Insurance 1060 1284 **thumbnail\_bfsi-img2a-en.png** thumbnail\_bfsi\_img2a\_en\_a01abbb767 .png image/png 129 156 27.28 **large\_bfsi-img2a-en.png** large\_bfsi\_img2a\_en\_a01abbb767 .png image/png 826 1000 709.68 **medium\_bfsi-img2a-en.png** medium\_bfsi\_img2a\_en\_a01abbb767 .png image/png 619 750 410.09 **small\_bfsi-img2a-en.png** small\_bfsi\_img2a\_en\_a01abbb767 .png image/png 413 500 197.27 ec608dc3-fde0-5c83-9684-4c1154cf7580 **BFSI challenges: Fraud and customer experience** **ebook-industria-bfsi-en.png** ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 578.81 local 2023-03-14T13:01:15.000Z 2024-09-24T12:08:55.000Z eBook: BFSI industry challenges 1800 993 **thumbnail\_ebook-industria-bfsi-en.png** thumbnail\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 245 135 37.04 **large\_ebook-industria-bfsi-en.png** large\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 1000 552 331.99 **medium\_ebook-industria-bfsi-en.png** medium\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 750 414 208.97 **small\_ebook-industria-bfsi-en.png** small\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 500 276 109.52 235e9ae7-3c2a-503b-bdbe-0366e47dbf8d --- ### Real Estate | Contracting and digital identity | Tecalis **URL:** https://www.tecalis.com/industries/real-estate-proptech **Descripción:** Digitize, optimize and legally support any Real Estate operation. Digital Signature, KYC Identity and Automation for Proptechs and Agencies. Real Estate Sign contracts, approve investment operations or send e-notifications. Operate in person or remotely with full legal validity. The best of the leading PropTech companies, now for every Real Estate agency Both small real estate companies and large, innovative industry platforms can save on costs and ensure legal compliance with new AI-based solutions. Process deals in minutes, approve new investors or manage your operations with ease. **Instantly. No waiting times** **Sign contracts in seconds** via SMS, email, or WhatsApp. Don't wait for an appointment or miss out on opportunities. **Total legal backup** Ensure **compliance with all regulations** affecting a changing industry: GDPR, Housing, financing, etc. **No more complications** **No paperwork, no losses or misunderstandings.** Provide digital evidence and store all your work on a single platform. Electronic Signature An all-in-one platform for all your documents and contracts. Extra functionalities and options exclusively designed for RE use cases. **All-in-one document management** Centralize all your document operations, communications, and legal matters in one place with QTSP notarial validity. **AI-powered automatic drafting** Create any type of contract template within Tecalis Sign using its advanced legal knowledge tool powered by GPT Technology. **Identity verification and docs collection** Incorporate KYC identity verification and document capture to comply with AML, SEPBLAC, GDPR, and the most stringent industry regulations. A faster, more capable, and secure business Real estate agencies, proptechs, financial institutions, platforms, and marketplaces. A cross-industry RegTech platform to lead the industry. **KYC (Digital Identity)** KYC enables companies in the industry to **carry out large-scale operations remotely and digitize the document collection process in person**. You can also use open banking to extract clients’ **finscore**. **Certified Communication** **Ensure non-repudiation** in all your client e-notifications. Provide **legal and evidentiary proof of actions** taken between you and your clients or suppliers. All within the same platform. **Anti-Fraud Controls** **Verify legitimacy of identity documents** and easily **analyze tax returns or property records** automatically. Perform AML checks to offer financing or verify bank accounts. Customer Stories **Alquiler Seguro: Firma de contratos RE** Alquiler Seguro signs its rental, energy, insurance, legal contracts, and dozens of real estate transactions using Tecalis Sign and its associated solutions. AS also uses Tecalis Identity's digital KYC verification to validate tens of thousands of real estate operations. **eSignature lease agreements, policies, energy contracts and Real Estate operations** +100K lease contracts formalized **Habitissimo: Identificación digital de proveedores** Tecalis has integrated KYC and KYB identity verification into Habitissimo's platforms and all its channels. The identity, information, and documentation of professionals, clients, and companies are verified across multiple countries. **Onboarding and registration of professionals and businesses: Multinational KYC and KYB** SME UBO verification ~40 seconds Resources that may interest you Guide **Identity and esignature solutions in the real estate industry** Digital transformation in the RE industry is undergoing a second revolution thanks to solutions based on artificial intelligence and the tools of the fastest growing PropTechs. Discover how to save and grow without large investments. Download now en 2025-02-10T08:40:06.000Z 2025-02-04T13:21:48.000Z 2026-02-25T10:34:17.000Z real-estate-en 1 1 30 **brochure-customer-hub-img-en.png** brochure\_customer\_hub\_img\_en\_b3f53a9ddb .png image/png 211.29 local 2025-02-04T13:11:48.000Z 2025-02-04T13:12:37.000Z Esignature solutions for Real Estate Industry 656 592 **thumbnail\_brochure-customer-hub-img-en.png** thumbnail\_brochure\_customer\_hub\_img\_en\_b3f53a9ddb .png image/png 173 156 35.79 **small\_brochure-customer-hub-img-en.png** small\_brochure\_customer\_hub\_img\_en\_b3f53a9ddb .png image/png 500 451 193.51 6f1f0420-7e98-5e07-85b0-07d51ac55a3b **Identity and eSignature solutions in the Real Estate industry** **firma y verificacion-real estate-en.png** firma\_y\_verificacion\_real\_estate\_en\_9fe6783614 .png image/png 267.19 local 2025-02-04T13:08:29.000Z 2025-02-04T13:08:29.000Z ID and eSignature solutions for Real Estate Industry 1200 662 **thumbnail\_firma y verificacion-real estate-en.png** thumbnail\_firma\_y\_verificacion\_real\_estate\_en\_9fe6783614 .png image/png 245 135 30.75 **large\_firma y verificacion-real estate-en.png** large\_firma\_y\_verificacion\_real\_estate\_en\_9fe6783614 .png image/png 1000 552 292.08 **medium\_firma y verificacion-real estate-en.png** medium\_firma\_y\_verificacion\_real\_estate\_en\_9fe6783614 .png image/png 750 414 180.65 **small\_firma y verificacion-real estate-en.png** small\_firma\_y\_verificacion\_real\_estate\_en\_9fe6783614 .png image/png 500 276 93.63 0f278038-4011-5668-9f51-15a86f9636ea **Real estate sector: News and current events in proptech** en 2025-01-17T14:13:53.000Z 2025-01-17T14:13:49.000Z 2025-07-02T06:29:59.000Z Reading time: 4min 2025-01-16 **banca-microfinanzas-webinar-es-2.png** banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 1692.65 local 2025-01-16T17:09:36.000Z 2025-01-17T14:06:17.000Z real estate news and updates 2080 1080 **thumbnail\_banca-microfinanzas-webinar-es-2.png** thumbnail\_banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 245 127 54.41 **large\_banca-microfinanzas-webinar-es-2.png** large\_banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 1000 519 660.11 **medium\_banca-microfinanzas-webinar-es-2.png** medium\_banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 750 389 391.96 **small\_banca-microfinanzas-webinar-es-2.png** small\_banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 500 260 189.97 2feacf2b-3233-59b9-994f-cab689e7ef04 **Real Estate. News and current events in Proptech** **banca-microfinanzas-webinar-es-2.png** banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 1692.65 local 2025-01-16T17:09:36.000Z 2025-01-17T14:06:17.000Z real estate news and updates 2080 1080 **thumbnail\_banca-microfinanzas-webinar-es-2.png** thumbnail\_banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 245 127 54.41 **large\_banca-microfinanzas-webinar-es-2.png** large\_banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 1000 519 660.11 **medium\_banca-microfinanzas-webinar-es-2.png** medium\_banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 750 389 391.96 **small\_banca-microfinanzas-webinar-es-2.png** small\_banca\_microfinanzas\_webinar\_es\_2\_de3bcf226a .png image/png 500 260 189.97 2feacf2b-3233-59b9-994f-cab689e7ef04 **Digital Identity and eSignature Trends** **Identity verification and eSignature** systems have managed to **avoid SIM Swapping** in the telecommunications industry, enable **instant registrations** in banking or build **online self-check-in models** in the tourism sector. The possibilities of the new SaaS platforms are practically unlimited. This exhaustive analysis contains the **most relevant use cases in each sector and the insights** provided by their users. Explore the **techniques and tools** needed **for each operational function of the company**. Download now Best practices of those who are exceeding marks **How to match market demands with my business’ characteristics and objectives?** Discover how agile process integration can help your business **increase sales, comply with regulations easily and save on costs**. **Exclusive data and information from our clients** where you will find a detailed perspective about: Get a full overview of the situation Download eBook en 2023-01-16T13:47:56.000Z 2023-01-11T16:58:12.000Z 2025-11-06T11:08:54.000Z tendencias EN 3 18 **tendencias-img1b-en.png** tendencias\_img1b\_en\_d971cc13f8 .png image/png 820.13 local 2025-11-06T10:54:49.000Z 2025-11-06T11:00:28.000Z Cover of Trends eBook 960 1160 **thumbnail\_tendencias-img1b-en.png** thumbnail\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 129 156 35.8 **large\_tendencias-img1b-en.png** large\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 828 1000 811.1 **medium\_tendencias-img1b-en.png** medium\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 621 750 478.63 **small\_tendencias-img1b-en.png** small\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 414 500 234.02 226d1856-b1c7-54ef-9fc1-198ebc04d3cd **tendencias-img2b-en.png** tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 908.94 local 2025-11-06T10:54:49.000Z 2025-11-06T11:00:54.000Z key trends by industry 1059 1284 **thumbnail\_tendencias-img2b-en.png** thumbnail\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 129 156 27.2 **large\_tendencias-img2b-en.png** large\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 825 1000 701.1 **medium\_tendencias-img2b-en.png** medium\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 619 750 411.84 **small\_tendencias-img2b-en.png** small\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 412 500 197.31 23d88926-61f1-55e0-a74d-d088a6fb3c8f **Industry trends 2023-2025: eSign and digital IDs** **ebook-tendencias-en.png** ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 781.25 local 2023-03-14T13:01:19.000Z 2025-03-03T09:15:48.000Z eBook about Digital Identity and eSignature Trends 1800 993 **thumbnail\_ebook-tendencias-en.png** thumbnail\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 245 135 35.82 **large\_ebook-tendencias-en.png** large\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 1000 552 378.56 **medium\_ebook-tendencias-en.png** medium\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 750 414 228.54 **small\_ebook-tendencias-en.png** small\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 500 276 113.21 692ba107-00a8-5dc9-8bbd-4a24f8fff6bd --- ### Mobility & Transport | Onboarding & Signature | Tecalis **URL:** https://www.tecalis.com/industries/mobility-transportation-travel-carsharing **Descripción:** New users, drivers and customers in mobility platforms, vehicle purchase and sale or transport and logistics systems thanks to RegTech. Mobility & Transport Sign up new users, drivers or customers on MaaS platforms, sign vehicle rental contracts or issue public transport cards. MobilityTech solutions to grow, save costs and secure ops Car, motorcycle, bicycle, truck, scooter, train, bus or cruise ship. Users and professionals demand agility and security. Verify their documentation instantly, validate their data, sign rental contracts or track evidence for a delivered package. Simplify to do more. **Drivers, users and customers** Sign contracts in seconds and onboard new users thanks to specific KYC solutions for the mobility industry. **Data protection & compliance** **Do not store sensitive information** or driving documents. Let a RegTech player collect, analyze the data and give you a certification. **Beyond mobility** **Financing, insurance or logistics**. Get the best tools to secure your operations and grow while saving costs. KYC Digital Onboarding An agile and fast register to move instantly. All the necessary controls without friction and with the security of complying with regulators. **Driving licenses and ID cards** Collect, validate and analyze documentation of any type of user. In seconds, without compromising your security or that of your customers. **Data validation and anti-fraud** Cross-reference the information obtained with the records you need and obtain electronic evidence of anything your users may provide you with. **Digital contracting** In the same flow, add the signing of insurance, service or delivery contracts. Offer 100% personalized services. Further possibilities, endless security MaaS platforms, vehicle leasing and rental, pooling and ride-hailing, carsharing, sales, fleet management and logistics. We have everything you need to grow acquisition and save costs **eSignature and notices** Guarantee any operation, **sign contracts** and record **communications** with your users to obtain **legal evidence of any operation**. Seconds-lasting processes and legal support from a **RegTech partner certified by the European Union**. **Anti-fraud checks** **Establish security checks** before onboarding new drivers and customers. Integrate agile solutions in your systems or use ours to **enable new use cases** with total guarantee and no friction. **Customer Hub & Kiosks** **Reach more users** and provide your commercial teams with the **best tools to onboard more customers** in less time at a lower cost. We design **agile experiences** focused on **conversion in all your channels.** Customer Stories **Bip&Drive: Multi-channel Driver Verification** Collection and validation of identity documents (ID Cards, licenses, Green Cards, Passport, etc) without the need to specify beforehand which one you are using and performing the most exhaustive anti-fraud controls. **Multi-channel driver verification for leading mobility platform** International document validation **ConeCTA: KYC Onboarding for smart card users** Comprehensive system for user onboarding, registration, and access to services and the smart card application. Now, users do not have to wait for a form to be reviewed by an agent and avoid the friction they used to encounter when uploading documentation. **KYC Onboarding for smart card users and online travelers** Instant client registration **Renfe: Electronic signature for large projects** Identity Verification, Electronic Signature, Certified Communication and Process Automation. A comprehensive solution adapted to Renfe's international contract signing, project management and associated legal support. **eSignature benefits for international agreements** Sign international contracts < 1 day Resources that may interest you **Carsharing: Platforms, apps and leading companies: How are they growing?** en 2022-08-11T10:06:24.000Z 2022-08-11T09:39:59.000Z 2024-09-25T11:06:51.000Z August 2, 2023 Reading time: 3 min. 2022-09-19 **carsharing-en.png** carsharing\_en\_72af24d6f3 .png image/png 1036.42 local 2023-01-24T13:54:25.000Z 2023-01-26T15:42:30.000Z Carsharing mobile app with pick up points 2080 1080 **thumbnail\_carsharing-en.png** thumbnail\_carsharing\_en\_72af24d6f3 .png image/png 245 127 52.8 **large\_carsharing-en.png** large\_carsharing\_en\_72af24d6f3 .png image/png 1000 519 609.52 **medium\_carsharing-en.png** medium\_carsharing\_en\_72af24d6f3 .png image/png 750 389 372.75 **small\_carsharing-en.png** small\_carsharing\_en\_72af24d6f3 .png image/png 500 260 184.4 427dc84f-7b10-57ca-be76-0d551775b2fa **Carsharing: Platforms, apps and leading companies: How are they growing?** **carsharing-en.png** carsharing\_en\_72af24d6f3 .png image/png 1036.42 local 2023-01-24T13:54:25.000Z 2023-01-26T15:42:30.000Z Carsharing mobile app with pick up points 2080 1080 **thumbnail\_carsharing-en.png** thumbnail\_carsharing\_en\_72af24d6f3 .png image/png 245 127 52.8 **large\_carsharing-en.png** large\_carsharing\_en\_72af24d6f3 .png image/png 1000 519 609.52 **medium\_carsharing-en.png** medium\_carsharing\_en\_72af24d6f3 .png image/png 750 389 372.75 **small\_carsharing-en.png** small\_carsharing\_en\_72af24d6f3 .png image/png 500 260 184.4 427dc84f-7b10-57ca-be76-0d551775b2fa **Mobility: Everything about the transport ecosystem. Trends and challenges** en 2024-10-30T09:06:02.000Z 2024-10-30T09:05:53.000Z 2024-12-26T09:10:15.000Z Reading time: 3 min. 2024-10-30 **mobility-en.png** mobility\_en\_3f2f20e6c6 .png image/png 3051.43 local 2024-10-30T08:39:02.000Z 2024-10-30T08:39:02.000Z Trends in the mobility and transport ecosystem 2080 1080 **thumbnail\_mobility-en.png** thumbnail\_mobility\_en\_3f2f20e6c6 .png image/png 245 127 68.58 **large\_mobility-en.png** large\_mobility\_en\_3f2f20e6c6 .png image/png 1000 519 1005.97 **medium\_mobility-en.png** medium\_mobility\_en\_3f2f20e6c6 .png image/png 750 389 577.75 **small\_mobility-en.png** small\_mobility\_en\_3f2f20e6c6 .png image/png 500 260 265.97 9d9a7362-202d-5b35-8109-fa7525b75cdc **Mobility: Everything about the transport ecosystem. Trends and challenges** **mobility-en.png** mobility\_en\_3f2f20e6c6 .png image/png 3051.43 local 2024-10-30T08:39:02.000Z 2024-10-30T08:39:02.000Z Trends in the mobility and transport ecosystem 2080 1080 **thumbnail\_mobility-en.png** thumbnail\_mobility\_en\_3f2f20e6c6 .png image/png 245 127 68.58 **large\_mobility-en.png** large\_mobility\_en\_3f2f20e6c6 .png image/png 1000 519 1005.97 **medium\_mobility-en.png** medium\_mobility\_en\_3f2f20e6c6 .png image/png 750 389 577.75 **small\_mobility-en.png** small\_mobility\_en\_3f2f20e6c6 .png image/png 500 260 265.97 9d9a7362-202d-5b35-8109-fa7525b75cdc GovTech **SmartCities: A public transportation network powered by AI and identity technologies** For some administrations, the implementation of artificial intelligence solutions has been a reality for years. The most innovative GovTech tools have enabled local, regional and national administrations and institutions to offer new digital public services in addition to optimizing resources to the maximum to guarantee current ones. Download en 2022-11-04T11:03:14.000Z 2022-11-04T10:20:28.000Z 2025-06-23T15:55:17.000Z Smartcities EN 44 **Smartcities - Header.png** Smartcities\_Header\_f508c898fe .png image/png 391.9 local 2022-11-04T10:59:55.000Z 2023-07-26T06:12:13.000Z AI city | Ciudad inteligente 600 500 **thumbnail\_Smartcities - Header.png** thumbnail\_Smartcities\_Header\_f508c898fe .png image/png 187 156 53.16 **small\_Smartcities - Header.png** small\_Smartcities\_Header\_f508c898fe .png image/png 500 417 326.96 8495b926-791c-5e4a-8efc-4d3dbd34d7be **SmartCities: Public transportation network powered by AI** **caso-de-uso-smartcities-en.png** caso\_de\_uso\_smartcities\_en\_1d030d4e42 .png image/png 893.36 local 2023-02-14T17:26:44.000Z 2023-02-14T17:26:44.000Z Smartcities govtech 1381 762 **thumbnail\_caso-de-uso-smartcities-en.png** thumbnail\_caso\_de\_uso\_smartcities\_en\_1d030d4e42 .png image/png 245 135 54.73 **large\_caso-de-uso-smartcities-en.png** large\_caso\_de\_uso\_smartcities\_en\_1d030d4e42 .png image/png 1000 552 700.72 **medium\_caso-de-uso-smartcities-en.png** medium\_caso\_de\_uso\_smartcities\_en\_1d030d4e42 .png image/png 750 414 411.77 **small\_caso-de-uso-smartcities-en.png** small\_caso\_de\_uso\_smartcities\_en\_1d030d4e42 .png image/png 500 276 196.24 be39afcb-a2c0-5698-9772-d5b3956a28fa --- ### Crypto, Forex and Trading Industry | Tecalis **URL:** https://www.tecalis.com/industries/crypto-exchanges-trading-forex **Descripción:** Secure cryptocurrency exchanges, investment and trading platforms. KYC/AML for cryptocurrencies, MiCA compliance and secured forex. Crypto & Trading Sign up real users, secure forex transactions or sign online contracts in minutes within more than 190 regulated and unregulated markets. 0 penalties, 100% official and seamless security Regulations such as MiCA in Europe are imposing instant KYC, KYB and AML checks on crypto exchanges and other services related to investment, trading and cryptoassets. They prevent fraud, sign secure transactions and save costs in lots of processes. **Customer Onboarding** New user registration can be streamlined, private and 100% secure at the same time. Use the best tools from FinTech leaders with AI to make more customers in less time. **Signing of contracts and conditions** Get record of operations performed and offer additional services based on contracts with full support and comfort. All under the same process and flow. **Anti-fraud controls** Security is no longer a desirable issue, but a must-have. Avoid losses and bad reputation by working with reliable customers and partners AGILE DIGITAL ONBOARDING High conversion rates, compliance systems tailored to your preferences and modular security. **KYC, KYB and AML** Simple customer forms, linked to international registries and reliable identity verification with global legal backing. **Privacy and data** No customer data or information is stored. Tecalis sends OK or KO to register in seconds new users who can operate in crypto or trading. **Agile and easy to use** Prioritize a frictionless experience and convey a sense of ease that boosts your sign-ups and reduces onboarding abandonment rates. Cryptoassets, trading, exchanges and more Automation solutions for regulatory and privacy compliant new user acquisition. **Electronic Signature** In the same flow as identity verification and KYC/AML controls, integrate digital signature for acceptance of terms and conditions, product/service contracting and much more. Full legal support. **Anti-fraud controls** Integrate +50 controls to prevent fraud in dozens of processes and operations without your users perceiving slowness or strict requirements. In the background, Tecalis checks dozens of variables to protect you. **Certified Communication** Send electronic notifications to your users with full traceability. Register their movements or notify them of events relevant to the service with regulatory support. Use Case **Cripto & Trading Onboarding: Say goodbye to churn rates** More than 60% of users say they do not get the expected security feel when interacting with trading platforms and cryptocurrencies. However, more than 80% of them would like to invest online if a superior legal backing was provided. Download use case cripto onboarding en 2022-04-21T16:51:05.000Z 2022-03-23T11:02:51.000Z 2025-03-07T07:58:31.000Z cripto onboarding EN 28 **caso-de-uso-onboarding-kyc-img-en.png** caso\_de\_uso\_onboarding\_kyc\_img\_en\_b8b6c807a4 .png image/png 715.27 local 2023-07-19T10:55:26.000Z 2024-09-27T09:01:26.000Z onboarding for cripto and trading onboarding 1312 1184 **thumbnail\_caso-de-uso-onboarding-kyc-img-en.png** thumbnail\_caso\_de\_uso\_onboarding\_kyc\_img\_en\_b8b6c807a4 .png image/png 173 156 35.91 **large\_caso-de-uso-onboarding-kyc-img-en.png** large\_caso\_de\_uso\_onboarding\_kyc\_img\_en\_b8b6c807a4 .png image/png 1000 902 600.4 **medium\_caso-de-uso-onboarding-kyc-img-en.png** medium\_caso\_de\_uso\_onboarding\_kyc\_img\_en\_b8b6c807a4 .png image/png 750 677 356.15 **small\_caso-de-uso-onboarding-kyc-img-en.png** small\_caso\_de\_uso\_onboarding\_kyc\_img\_en\_b8b6c807a4 .png image/png 500 451 175.7 edfaf0f4-7aed-54ec-be26-9a2468fb6adf **Crypto & Trading Onboarding: Farewell to Abandonment** **caso-de-uso-onboarding-kyc-en.png** caso\_de\_uso\_onboarding\_kyc\_en\_5fe957af8d .png image/png 962.22 local 2023-02-14T16:55:52.000Z 2025-01-31T10:28:08.000Z Cover KYC & AML for crypto two-pager 2400 1324 **thumbnail\_caso-de-uso-onboarding-kyc-en.png** thumbnail\_caso\_de\_uso\_onboarding\_kyc\_en\_5fe957af8d .png image/png 245 135 28.4 **large\_caso-de-uso-onboarding-kyc-en.png** large\_caso\_de\_uso\_onboarding\_kyc\_en\_5fe957af8d .png image/png 1000 552 273.53 **medium\_caso-de-uso-onboarding-kyc-en.png** medium\_caso\_de\_uso\_onboarding\_kyc\_en\_5fe957af8d .png image/png 750 414 171.42 **small\_caso-de-uso-onboarding-kyc-en.png** small\_caso\_de\_uso\_onboarding\_kyc\_en\_5fe957af8d .png image/png 500 276 87.57 3783fcb2-220e-5a7b-9490-6dd9b2318a76 **Crypto exchanges and KYC on leading platforms** en 2022-05-23T11:03:47.000Z 2022-05-09T08:15:11.000Z 2024-09-24T15:53:48.000Z May 10, 2023 Reading time: 5 min. 2022-04-25 **cryptos-kyc-aml-en.png** cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 329.45 local 2023-01-24T14:00:12.000Z 2023-02-07T19:46:45.000Z Person with cash 1040 540 **thumbnail\_cryptos-kyc-aml-en.png** thumbnail\_cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 245 127 37.44 **large\_cryptos-kyc-aml-en.png** large\_cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 1000 519 457.23 **medium\_cryptos-kyc-aml-en.png** medium\_cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 750 389 270.56 **small\_cryptos-kyc-aml-en.png** small\_cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 500 260 129.4 5874b0e5-72a6-553b-b7b8-6daedfd5bd5e **Crypto exchanges and KYC on leading platforms** **cryptos-kyc-aml-en.png** cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 329.45 local 2023-01-24T14:00:12.000Z 2023-02-07T19:46:45.000Z Person with cash 1040 540 **thumbnail\_cryptos-kyc-aml-en.png** thumbnail\_cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 245 127 37.44 **large\_cryptos-kyc-aml-en.png** large\_cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 1000 519 457.23 **medium\_cryptos-kyc-aml-en.png** medium\_cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 750 389 270.56 **small\_cryptos-kyc-aml-en.png** small\_cryptos\_kyc\_aml\_en\_4bf9f4414e .png image/png 500 260 129.4 5874b0e5-72a6-553b-b7b8-6daedfd5bd5e **BFSI challenges: Fraud and customer experience** The current outlook is decisive: we are at a key moment in which **the industry is divided** between those who are leading growth in customer numbers and those who are finding it difficult to be sustainable. However, we are finding how this area is tending towards a **certain convergence** given the synergies enabled by **new ways of doing banking, insurance and financial services** and the new regulatory framework that is to come. This **industry overview identifies the key points** to work on and build upon in order to build a **sustainable and effective BFSI business model**. Download now Banking, Financial Services, Insurance, Investments & FinTech **What are those who achieve objectives doing right?** From aggressive marketing strategies focused on acquisition to innovations in onboarding, acquisition, and retention processes have changed. Let’s analyze **what strategies are actually working**, the **profitability** of these actions, and how to perform them with scalable systems to **reach zero fraud and penalties**. Get an overview of the situation Download eBook en 2022-09-02T11:56:56.000Z 2022-08-24T13:17:04.000Z 2025-03-07T07:42:36.000Z BSFI EN 20 **bfsi-img1a-en.png** bfsi\_img1a\_en\_dee7d83f22 .png image/png 669.31 local 2023-03-14T13:01:11.000Z 2023-03-14T13:03:23.000Z BFSI Challenges cover 977 1174 **thumbnail\_bfsi-img1a-en.png** thumbnail\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 130 156 39.93 **large\_bfsi-img1a-en.png** large\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 832 1000 795.05 **medium\_bfsi-img1a-en.png** medium\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 624 750 486.24 **small\_bfsi-img1a-en.png** small\_bfsi\_img1a\_en\_dee7d83f22 .png image/png 416 500 248.83 077dd1b3-add8-58ee-956c-79c45f9661c6 **bfsi-img2a-en.png** bfsi\_img2a\_en\_a01abbb767 .png image/png 869.95 local 2023-03-14T13:01:13.000Z 2023-03-14T13:03:52.000Z Use cases in Insurance 1060 1284 **thumbnail\_bfsi-img2a-en.png** thumbnail\_bfsi\_img2a\_en\_a01abbb767 .png image/png 129 156 27.28 **large\_bfsi-img2a-en.png** large\_bfsi\_img2a\_en\_a01abbb767 .png image/png 826 1000 709.68 **medium\_bfsi-img2a-en.png** medium\_bfsi\_img2a\_en\_a01abbb767 .png image/png 619 750 410.09 **small\_bfsi-img2a-en.png** small\_bfsi\_img2a\_en\_a01abbb767 .png image/png 413 500 197.27 ec608dc3-fde0-5c83-9684-4c1154cf7580 **BFSI challenges: Fraud and customer experience** **ebook-industria-bfsi-en.png** ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 578.81 local 2023-03-14T13:01:15.000Z 2024-09-24T12:08:55.000Z eBook: BFSI industry challenges 1800 993 **thumbnail\_ebook-industria-bfsi-en.png** thumbnail\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 245 135 37.04 **large\_ebook-industria-bfsi-en.png** large\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 1000 552 331.99 **medium\_ebook-industria-bfsi-en.png** medium\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 750 414 208.97 **small\_ebook-industria-bfsi-en.png** small\_ebook\_industria\_bfsi\_en\_5bc848cbb7 .png image/png 500 276 109.52 235e9ae7-3c2a-503b-bdbe-0366e47dbf8d --- ### Tourism & Leisure | Self check-in, ID & eSign | Tecalis **URL:** https://www.tecalis.com/industries/tourism-leisure-hospitality-hotels-activity-horeca **Descripción:** Save time and streamline key use cases in hotels, leisure centers, tourism platforms, and more. Tourism & Leisure Digitize numerous key daily operations in hotels, entertainment venues, vacation rentals, travel agencies, booking platforms, and reservation centers. Save and automate with 100% legal backing Provide your clients or guests with a secure, simple, and seamless experience. Collect and validate identity documentation, manage reservations, check-ins, and check-outs autonomously. Digitally sign any document or allow customers to operate freely with next-generation interactive kiosks. **Online self check-in** **Verify identities before guests arrive** at their accommodations or experiences, offering **secure authentication methods** for autonomous access. **Digital ID & docs** **Automatically collect ID documents**, **send them to public authorities**, digitally **sign** all types of documents, and prevent potential issues. **Sales and contracting** **Boost your sales** with faster, more accessible, and secure booking platforms. Gain **more clients in less time**, with enhanced safety and autonomy. Interactive Kiosks Versatile self-service terminals that enable instant product delivery, payments, orders, bookings, and RegTech systems for complete security and autonomy. **Virtual reception and keys** Book a room, activity or experience directly at the kiosk and instantly receive an NFC, RFID, Bluetooth key, or have it sent to the guest's device. **Movie, concert & activities tickets** Sell tickets or authenticate users through facial recognition, granting access to their favorite entertainment or tourism experiences. **Identity and document verification** Integrate KYC identity verification and document capture to comply with the most stringent regulations, anywhere. Everything you need for your daily operations Vacation rentals, hotels, HORECA, cinemas, theaters, museums, agencies, or platforms. Don't miss the opportunity. implement simple and affordable RegTech solutions now. **KYC & Digital Signature** **Identify your customers in seconds**, **ask for acceptances**, and **digitally sign** everything needed. Whether from their device or at interactive terminals upon entry. **Authenticate them automatically upon arrival**, so they can enjoy their experience worry-free. **Digital Self Check-In** **Using kiosks or customer’s devices** - before or during arrival - let your users **check in and submit their documentation easily**, using the most advanced EU-certified **fraud prevention controls**. Suitable for any type of establishment or experience. **e-Notices** **On the same platform** where you manage documentation, signatures, and check-ins, send **certified communications** regarding any **updates** or to **collect acceptance of terms**. Provide **legal evidence** for all your operations with clients. **Digital Identity and eSignature Trends** **Identity verification and eSignature** systems have managed to **avoid SIM Swapping** in the telecommunications industry, enable **instant registrations** in banking or build **online self-check-in models** in the tourism sector. The possibilities of the new SaaS platforms are practically unlimited. This exhaustive analysis contains the **most relevant use cases in each sector and the insights** provided by their users. Explore the **techniques and tools** needed **for each operational function of the company**. Download now Best practices of those who are exceeding marks **How to match market demands with my business’ characteristics and objectives?** Discover how agile process integration can help your business **increase sales, comply with regulations easily and save on costs**. **Exclusive data and information from our clients** where you will find a detailed perspective about: Get a full overview of the situation Download eBook en 2023-01-16T13:47:56.000Z 2023-01-11T16:58:12.000Z 2025-11-06T11:08:54.000Z tendencias EN 3 18 **tendencias-img1b-en.png** tendencias\_img1b\_en\_d971cc13f8 .png image/png 820.13 local 2025-11-06T10:54:49.000Z 2025-11-06T11:00:28.000Z Cover of Trends eBook 960 1160 **thumbnail\_tendencias-img1b-en.png** thumbnail\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 129 156 35.8 **large\_tendencias-img1b-en.png** large\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 828 1000 811.1 **medium\_tendencias-img1b-en.png** medium\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 621 750 478.63 **small\_tendencias-img1b-en.png** small\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 414 500 234.02 226d1856-b1c7-54ef-9fc1-198ebc04d3cd **tendencias-img2b-en.png** tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 908.94 local 2025-11-06T10:54:49.000Z 2025-11-06T11:00:54.000Z key trends by industry 1059 1284 **thumbnail\_tendencias-img2b-en.png** thumbnail\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 129 156 27.2 **large\_tendencias-img2b-en.png** large\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 825 1000 701.1 **medium\_tendencias-img2b-en.png** medium\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 619 750 411.84 **small\_tendencias-img2b-en.png** small\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 412 500 197.31 23d88926-61f1-55e0-a74d-d088a6fb3c8f **Trends in Identity and Electronic Signatures** **ebook-tendencias-en.png** ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 781.25 local 2023-03-14T13:01:19.000Z 2025-03-03T09:15:48.000Z eBook about Digital Identity and eSignature Trends 1800 993 **thumbnail\_ebook-tendencias-en.png** thumbnail\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 245 135 35.82 **large\_ebook-tendencias-en.png** large\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 1000 552 378.56 **medium\_ebook-tendencias-en.png** medium\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 750 414 228.54 **small\_ebook-tendencias-en.png** small\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 500 276 113.21 692ba107-00a8-5dc9-8bbd-4a24f8fff6bd **Why X-Tech is the future of economy and which industries have stood out?** en 2022-09-05T11:37:33.000Z 2022-09-02T16:54:04.000Z 2024-09-25T13:01:58.000Z August 23, 2023 Reading time: 5 min. 2022-10-10 **x-tech.png** x\_tech\_462520c362 .png image/png 503.16 local 2023-01-25T11:38:23.000Z 2023-02-09T09:25:54.000Z Tecnología | Technology 2080 1080 **thumbnail\_x-tech.png** thumbnail\_x\_tech\_462520c362 .png image/png 245 127 56.4 **large\_x-tech.png** large\_x\_tech\_462520c362 .png image/png 1000 519 707.61 **medium\_x-tech.png** medium\_x\_tech\_462520c362 .png image/png 750 389 411.56 **small\_x-tech.png** small\_x\_tech\_462520c362 .png image/png 500 260 198.96 3283c475-4bec-5538-b93e-ffe862ad457e **TurTech: Digital Solutions for All Industries** **blog-x-tech.png** blog\_x\_tech\_1ced683945 .png image/png 103.7 local 2023-02-09T13:31:49.000Z 2023-02-09T13:31:49.000Z X-Tech 4800 2648 **thumbnail\_blog-x-tech.png** thumbnail\_blog\_x\_tech\_1ced683945 .png image/png 245 135 7.61 **large\_blog-x-tech.png** large\_blog\_x\_tech\_1ced683945 .png image/png 1000 552 45.1 **medium\_blog-x-tech.png** medium\_blog\_x\_tech\_1ced683945 .png image/png 750 414 31.62 **small\_blog-x-tech.png** small\_blog\_x\_tech\_1ced683945 .png image/png 500 276 19.01 866ba359-fd57-5106-88a6-1c0563a61743 Guide **Types, uses and formats of electronic signature** Electronic and digital signatures have become one of the most relevant everyday tools in businesses across all industries. Choosing the right types and configuring the right delivery settings for each use case is a must. Download now en 2024-04-17T12:49:04.000Z 2023-05-04T11:16:17.000Z 2025-03-07T07:39:34.000Z guia tipos firma EN 1 2 **caso-de-uso-tipo-de-firma-img-en.png** caso\_de\_uso\_tipo\_de\_firma\_img\_en\_1187129404 .png image/png 892.04 local 2023-10-17T15:22:30.000Z 2023-10-17T15:24:02.000Z Cover of eSignature guide 1312 1184 **thumbnail\_caso-de-uso-tipo-de-firma-img-en.png** thumbnail\_caso\_de\_uso\_tipo\_de\_firma\_img\_en\_1187129404 .png image/png 173 156 40.65 **large\_caso-de-uso-tipo-de-firma-img-en.png** large\_caso\_de\_uso\_tipo\_de\_firma\_img\_en\_1187129404 .png image/png 1000 902 778.13 **medium\_caso-de-uso-tipo-de-firma-img-en.png** medium\_caso\_de\_uso\_tipo\_de\_firma\_img\_en\_1187129404 .png image/png 750 677 461.26 **small\_caso-de-uso-tipo-de-firma-img-en.png** small\_caso\_de\_uso\_tipo\_de\_firma\_img\_en\_1187129404 .png image/png 500 451 224.24 9929e672-f1ad-5522-8e42-ff0a5ce0d87c **Digital Signatures: Which Type Should You Use in Tourism and Leisure?** **caso-de-uso-tipo-de-firma-en.png** caso\_de\_uso\_tipo\_de\_firma\_en\_ccb8c9ded8 .png image/png 281.53 local 2025-03-03T09:19:14.000Z 2025-03-03T09:19:14.000Z 1200 662 **thumbnail\_caso-de-uso-tipo-de-firma-en.png** thumbnail\_caso\_de\_uso\_tipo\_de\_firma\_en\_ccb8c9ded8 .png image/png 245 135 31.47 **large\_caso-de-uso-tipo-de-firma-en.png** large\_caso\_de\_uso\_tipo\_de\_firma\_en\_ccb8c9ded8 .png image/png 1000 552 304.35 **medium\_caso-de-uso-tipo-de-firma-en.png** medium\_caso\_de\_uso\_tipo\_de\_firma\_en\_ccb8c9ded8 .png image/png 750 414 186.81 **small\_caso-de-uso-tipo-de-firma-en.png** small\_caso\_de\_uso\_tipo\_de\_firma\_en\_ccb8c9ded8 .png image/png 500 276 95.36 e2bfe490-4c2d-5853-88ee-478579a66b4e --- ### Digital Transformation, IT & Operations | Areas | Tecalis **URL:** https://www.tecalis.com/industries/areas/it-operations-digital-transformation **Descripción:** Digitally transform your organization without impacting your IT or operations teams. Make your model scalable through an agile solution implemented in days. Transform your business by adopting versatile and scalable technology that adapts to your processes, operations, and activities. ##### The new normal needs a new model. Cloud technologies and end-to-end platforms are shaping today and the immediate future of leading companies. Working on huge, costly, and complex projects is a thing of the past. Now, you can transform yourself by adopting **versatile** and **scalable technology** that adapts to your processes, operations, and activities that operate as if you developed it yourself. **60%** **of professionals** in the area rank cloud technologies number one in terms of relevance **75%** **of businesses** will be using digital platforms by 2024 **67%** **of projects** initially planned in IT departments are abandoned Choose how you want Tecalis to impact your organization You can implement an agile and simple end-to-end platform in days, or we can design an ad-hoc project for your business together. **Software and Platform as a Service** Pay most advanced technological tools on your terms. A scalable solution that adapts to the needs of your business and your customers, growing with them in a moldable way. At Tecalis, we built a tool that’s as powerful as you need it to be. We drive the most ambitious digital transformation projects for leaders in industries across the board. Talk with us. **Artificial Intelligence and Machine Learning** We use the most avant-garde and updated technology. We innovate to grow, acting as a reference among the developer community. We only accept high-tech projects based on the profession’s best practices. Our teams work without fear of failure. Tecalis has created a culture that impacts each and every project component. We believe that a happy project is a successful project, with happy, committed, and talented teams. **Identification and Biometrics Services** Implementing solutions based on facial biometrics has been a turning point for many businesses and institutions. This increasingly widespread technology is consolidating a new model. In a complex environment where identity fraud is commonplace, identification services are enabling businesses to meet the most demanding technical and regulatory standards in order to operate in any market and under any risk level. What can we achieve together? Anything. Yes, it's that simple. Let us show you how tecalis technologies can impact your organization or propose a digital development project to design with us the future. Tell us about your use case **SaaS** Pay-per-use. Integrate affordable technology into any of your processes without paying extra. **PaaS** Create a cross-channel experience throughout your organization in a simple and agile manner. **Automation - RPA** Automate tasks and focus on what's important. Let an error-less solution do the work. **BPM** Customer-focused, data-driven business unit integration. RPA to achieve maximum performance. **Blockchain** Encrypt and generate electronic proof with the best practices in IT security with qualified seals. **Artificial Intelligence** Integrate AI in an automatic and scalable way to drive actions that influence business and customer interactions. **Virtual Assistants** Interactive bots that offer valuable segmented information based on query history. **Integrations** Integrate systems in days. Connect with third parties and implement tools in record time. **Cloud development** Believe it or not, not everyone has embraced the only viable model for development yet. **Agile Projects** We create projects based on our Agile SCRUM culture in order to build successful digital products. **Web Projects** We create resilient, manageable, and dynamically scalable applications at global enterprise levels. **Sector regulation** Complies with all regulatory, technical, and legal standards of any market or industry. **Recommender** We develop powerful recommenders for products, services, or rates with a segmented and data-driven base. **IVR and Self-Service** Data and information from customers, agents, application events, or other business logic. **Sentiment analysis** Tone in the text, including emotions, social tendencies, and language style to determine the message’s impact. **PLN** Understanding unstructured data through natural language processing. **Interactions** Incorporates cognitive capabilities to highlight key activities, prioritize tasks, or modify processes. **Transform your model** Be proactive instead of reactive. Leave something that would take you months to implement in the care of experts. Revamp your organization around in days or weeks. * Expand to other markets and operate with confidence. * Grow and expand your business without worries.  * Take advantage of the regulatory framework. ## Transform your model --- ### Legal Function & Compliance | Areas | Tecalis **URL:** https://www.tecalis.com/industries/areas/legal-compliance **Descripción:** A Trusted Third Party to support your legal action. Go paperless and digitize compliance. Automate AML, KYC, eIDAS or GDPR legal support. Get the support of a trusted third party. Comply with the most demanding standards in days. ##### As the legal function is increasingly becoming one of the fundamental pillars for any organization, compliance can also serve as a driver of change and innovation.  Relying on a **RegTech partner** can help you leverage the challenges arising from the current regulatory changes, driving agility, productivity, and security. **80%** **of corporate legal departments** are the last to digitally transform **50%** **savings in costs** and administrative tasks with the use of electronic signatures **95%** **of lawyers** believe that practicing law is marked by adopting new technologies Get the support a trusted third party can give Rely on a partner with guarantees and comply with the most demanding standards in an agile and simple way in days. **Generating proof in sensitive environments** Obtain complete electronic evidence for operations at any risk level. Trace the processes of the legal department or any other department with the support of a trusted third party. Obtain reports and respond to audits with the peace of mind and ease that everyone expects. Seal and prevent tampering. **Shortening time with automation** Save time and unleash productivity in your organization. Perform anytime, anywhere operations instantly with the highest level of regulatory and technical compliance. No waiting times, no errors, no misplaced documents. Tecalis does the essentials for you so you can focus on what's important. **Legal fortitude in every market** Our technology complies with every regulation, no matter how demanding. In any country, region, and industry. Rely on peer experts who understand and meet your needs. Make use of the latest technology to transform your processes according to the most demanding standards. What can we achieve together? Adopting digital solutions is now making it possible for legal departments to lead, give the expected response, and provide differential value to the business. Tell us about your use case **Due Diligence / KYB** Identify your users remotely and create a fast and complete experience without red tape. **Documentation** Request, collect and safeguard any type of documentation, whether identity or corporate materials. **Sending communications** Certified communications and electronic notifications with maximum support. **Fraud Prevention** Establish a comprehensive fraud prevention strategy in sensitive environments. **GDPR** Comply with the General Data Protection Regulation throughout your organization with steadiness. **Signing agreements** Adopt the most versatile and feature-rich electronic signature solution on the market. Agreements, acceptance. **Back-Office** Reduce bureaucracy to zero. Leave the back-office and mechanical tasks to an error-free tool. **Blockchain** We trace every operation to generate proof and document every step and movement. **Meeting minutes** Sign or delegate the vote during an organization’s decisive moments. **AML & KYC** It complies with all AML and KYC standards, allowing your business to operate in any market. **Evidentiary value in court** Generate reports and proof when your company needs them most. **PSD2 / SCA** Keep risk at bay during any payment process. Complies with European and international directives. **ISO** Ask Tecalis to transform your processes and adapt them to achieve the necessary ISO certifications. **Custody** As a Trusted Third Party, we will endorse your proof in any case and at any time. **Generate business impact** Be proactive instead of reactive and preventive. The regulatory compliance function can propel organizations to unprecedented heights. * Expand to other markets and operate with confidence. * Grow and expand your business.  * Take advantage of the regulatory framework. ## Generate business impact --- ### Supply Chain, Procurement & Purchases | Areas | Tecalis **URL:** https://www.tecalis.com/industries/areas/supply-chain-purchases-procurement **Descripción:** Ensure productivity in the purchasing and supply chain function with a digital solution built to lead. Contracts and KYB to secure your business. Reduce bureaucracy by trusting a source-to-pay platform that improves your strategic processes and ensures regulatory compliance. ##### **Procurement and supply chain management departments face new challenges as emerging models arise at an ever-increasing pace.** The use of the **right tools** in the purchasing and procurement function will define the area’s productivity, as well as its **effectiveness and efficiency**. Close deals and secure your operations without friction, downtime, or delays. **80%** **of the signature requests close** the same day they are sent, without delay **50%** **savings in costs** and administrative tasks with the use of electronic signature **70%** **increase** in company partner and supplier satisfaction Achieve the desired objectives and results Securing supply, controlling stock, evaluating suppliers and partners, complying with departmental policies, or collaborating with other departments is now easier and more secure than ever. **Reduce bureaucracy** Having a comprehensive automated management system that is compatible with your tools and provides regulatory support for your business is now possible. Simple. Agile. Powerful. Paperless. Tecalis transforms your operations so you can keep your focus on what's important. **Trust on a Source-to-Pay platform** Offer a unique experience to your employees by making your suppliers and partners love working with you. Take advantage of an all-in-one technology solution that ensures regulatory compliance in any purchasing activity. Improve strategic sourcing processes and properly manage the lifecycle of contracts. **Support all your operations** A Trusted Third Party and Trust Services Provider ensures that your company complies with the most demanding technical and legal standards. Maximum legal and regulatory support for any of your business operations. Collect, store, and manage data in compliance with the GDPR and any sectorial regulation in an automated and error-free way. What can we achieve together? Learn a bit about what Tecalis can do for you: Tell us about your use case **Agreement Signing** Integrates the most versatile and feature-rich electronic signature solution on the market. **Documentation** Request, collect and safeguard every type of documentation, whether identity or corporate material. **GDPR** Comply with the General Data Protection Regulation throughout your organization with steadiness. **Automation of requests** Launch requests automatically according to the criteria you set. **Know Your Business** Create a relationship based on mutual trust by identifying those you work with. **Certified Communication** Communicate to your suppliers any information or send sensitive documentation with complete proof. **Systems integration** Connect with your partners’ tools and structures. We develop the best solution for both. **Due Diligence** **Audit and evaluate your suppliers. Generate reports and scores for peace of mind.** **Operation traceability** Develop proof and record every step and phase of your operations with the support of a third party. **Delivery Parts** Sign and certify deliveries anytime, anywhere, in an easy and paperless manner. **Back-Office** Cut down on red tape. Leave the back-office and mechanical tasks to an error-free tool. **Form Generation** Instantly, securely, and automatically generate and send your partners forms. **Adoption of tools** A comprehensive platform for your suppliers and for you. Share information and work as a team. **Penalties** Record non-compliance and back up your evidence with a trusted third party. **Improve customer retention** Elevate the Customer Experience and reduce friction to drive customer satisfaction and loyalty. * Increase your reputation in the marketplace.  * Forget the bureaucracy.  * Ensure some peace of mind. Don't worry about the nitty-gritty. ## Improve customer retention --- ### Sales & Marketing | Areas | Tecalis **URL:** https://www.tecalis.com/industries/areas/sales-marketing **Descripción:** Reduce friction and boost conversion in your sales and marketing processes. Onboarding, acquisition and customer service under the same platform. KYC & AML. Secure your processes by building trust and improving short and long-term ROI with the right technology. ##### **Businesses need to know who their customers are and what they want in each channel and interaction**. Create agile, secure, and automated processes along a **well-designed digital customer journey**. Secure your sales and marketing processes by building trust and **improving short and long-term ROI** with the right technology. **68%** **increase in overall customer satisfaction** by digitizing sales and commercial processes **50%** **savings in costs** and administrative tasks with the use of electronic signature and identity verification **80%** **increase in conversion rates** in the onboarding, registration, and hiring processes Secure every phase of your customer journey with a holistic solution Cover each of the stages in which your customer is and all the processes involved under a single unified platform in a pay-per-use model. Build in days a successful customer journey. **Acquire new customers anytime and anywhere** It is now possible to operate anywhere in the world, at any time, and without additional investment. Agility, simplicity, convenience, and on-demand models are the key to growth in today's environment. Opt for a scalable model where your potential customers have a unique experience when they join your organization. **Reduce costs and shorten times** The key to growth lies in productivity. Tomorrow's organizations have a user-centered vision, focusing their efforts on the customer. Operate without risk or heavy complex infrastructures. Be agile, secure, and friendly to your customers. **Automated and error free management** Innovative technology platforms are transforming outdated business models to make them sustainable and strong. Today's customer’s critical spirit must be answered with actions, not words. Empower your sales teams to focus on the customer and leave the bureaucracy and administrative procedures to a tested and polished solution. What can we achieve together? Close sales instantly without worrying about anything else. Radically transform the way you understand and exercise relationships with your most crucial asset: your customers. Tell us about your use case **Purchase orders** Automate crucial processes and make your business run smoothly. **Contracting** Close more deals in less time. Discover how electronic signatures can increase your sales. **Onboarding** Digitize customer onboarding and adapt the process to boost your conversion rates. **Service registration** Reduce the duration of processes from days to minutes and get more customers faster. **Communication** Communicate with your clients with the support of a trusted third party. Complete electronic proof. **CRM Integration** Connect systems and create a powerful tool for your salespeople to perform at their best. **Fraud** Keep risk at bay in any process. Establish a comprehensive strategy against fraud. **Authentication** Safe access to products, services and platforms with an advanced MFA strategy. Biometrics included. **Documentation** Request, collect and safeguard any type of documentation, whether identity or corporate material. **GDPR** Comply with the General Data Protection Regulation throughout your organization with steadiness. **Queue management** Online and onsite, redirect your clients to the right agent; counting on useful info for the sale. **Industry regulation** Complies with all regulatory, technical, and legal standards in every market and industry. **Dynamization** Turns the contracting or negotiation process into an experiential one. Collaborate and close deals. **Acquisition** Attract potential customers and prevent churn with agile, expertly designed UX/UI processes. **Digital store** Create a new experience in your physical locations. Reduce costs, space, and time. **Blockchain** Tracks and records any operation and movement. Generates proof and validates for peace of mind. **Registration** Collect and store sensitive customer information securely and easily. **Transform your model without additional investment** Be proactive instead of reactive and preventive. Make your users love interacting with you and reduce friction to grow, expand, and build loyalty. * Expand to other markets and operate with confidence. * Grow and expand your business without worries.  * Takes advantage of the regulatory framework. ## Transform your model without additional investment --- ### Human Resources & Talent Management | Areas | Tecalis **URL:** https://www.tecalis.com/industries/areas/human-resources-talent **Descripción:** Comprehensive platform for Human Resources and Talent departments. Recruitment, Certified Communication, Electronic Signature and Automation. Job offers and workday signing. Transform talent management by streamlining processes, eliminating paper, and reducing time and costs. ##### **The new management models in human resources, workers’ wishes and expectations, and the consequences derived from the health situation have forced professionals in the area to rethink their processes and tools.** We’re by your side throughout the talent life cycle, from recruitment, through hiring and onboarding, all the way to your human asset loyalty. Transform talent management by **streamlining processes**, **eliminating paper**, and **reducing time and costs**. **40%** **increase in employee satisfaction** when digital solutions are implemented in the HR department **50%** **savings in costs** and administrative tasks with the use of electronic signature **60%** **of companies** have already implemented talent management automation systems Digitization solutions in human resources may be broad and confusing But you don't need an expensive and complex suite to transform processes and achieve impactful results. Opt for an agile, secure, and scalable solution. **Getting beyond bureaucracy** Simplify all your operations by completing recruitment processes in just a few minutes. Protect and store sensitive data with maximum security and space-saving. Simple. Agile. Powerful. Transform the HR role to focus on what matters. **Improve your employer branding** Good employee relationships translate into increased employee wellbeing and performance. Since employees are the engine of any organization, polishing processes and adapting them with a user-centered perspective is essential. Give your most valuable asset a unique experience and make your employees and collaborators love working with you even more. **Ensure regulatory compliance** Our products have the maximum legal and regulatory support for all your people-related operations. A Trusted Third Party ensures compliance with the most demanding technical and legal standards. Collects, stores, and manages data in compliance with the GDPR and any sectorial regulation in an automated and error-free way. What can we achieve together? Get to know a small part of what Tecalis can do for you: Tell us about your use case **Employee Portal** Create a powerful employee portal with every option imaginable. **Contracting** Sign contracts in a fast, effective, and digital manner with the utmost legality. **Workdays** Sign reports any time and anywhere with a simple and versatile solution. **Offers** Send your candidates, job offers with security, traceability, and according to regulations. **Data protection** Our technology complies with the most demanding legal standards in terms of data protection. **Digital Signature** Agreements, conditions, acceptance. Sign anything. Easy. Simple. Powerful. **Systems** Integrates processes in minutes and interconnects internal and third-party systems and tools. **Access** Authenticate and grant access to physical or digital tools, facilities, offices or any place. **Attraction** Offers and processes of talent in an agile, simple way transmitting a determined image. **Automatización** Burocracia cero. Deja el back-office y las tareas mecánicas a un herramienta error-free. **Documentación** Solicita, recoge y custodia cualquier documentación, ya sea de identidad o material corporativo. **RGPD** Cumple con el R.G. de Protección de Datos en toda tu organización, con tranquilidad y robustez. **Automation** Reduce bureaucracy to zero. Leave the back-office and mechanical tasks to an error-free tool. **Documentation** Request, collect and safeguard any type of documentation, be it identity or corporate material. **RGPD** Comply with the General Data Protection Regulation throughout your organization with steadiness. **Sendings** Automatically send transfers to your employees for them to sign at month-end or at any time. **Notifications** Certified Communication to notify any matter, regardless of its sensitivity. **Telecommuting** Verify your workers’ identity remotely and establish a trusting and secure employment relationship. **Be more human** Forget platforms and systems that are not aligned with what your organization is like. Renew your proposal and gain loyalty. * Improve your employer branding. Attract, hire, and retain talent. * Forget the bureaucracy. Focus on the what, not the how. * Ensure your peace of mind. Don't worry, Tecalis will do it for you. ## Be more human --- ### Facility Services | Industries | Tecalis **URL:** https://www.tecalis.com/industries/industries/facility-services **Descripción:** A holistic platform for the Facility Services sector. Automation, operation remotization, electronic signature, work reports or contracting. Minimize paperwork at every step and ensure a safe working environment by verifying employees, visitors, or suppliers' identities. ##### **Security, inspection services, cleaning or maintenance are property management tasks that involve the exchange of a large volume of documentation.** Integrating digital solutions is essential for companies that not only strive to **reduce operating costs** but also to set themselves apart from the competition by providing efficient service that **increases customer satisfaction**. **20%** **of FM companies** have seen their productivity increase with the use of digital solutions **20%** **decrease in storage costs** without paper in facility management **30%** **decrease in maintenance cost** with adopted automation tools Integral management to offer a quality service focused on what is most important Simplify workflows and reduce the risk of error by implementing a convenient and accessible system for your workers and customers. **Greater sustainability at lower cost** Reducing paperwork in facilities and inventory management, maintenance tasks, assessments, and different contracts is one of the challenges facing the sector. Make your processes more flexible by integrating an electronic signature solution into all your systems that allows you to act remotely without compromising the signers’ security and privacy. **Eliminate security risks** Ensuring a safe working environment requires knowing who-employees, visitors, or suppliers - access our facilities.  Incorporate document authentication and identity verification processes to ensure secure, contact-free access that complies with regulatory requirements and privacy rights and personal information protection. **Reduces likelihood of error** In the short term, much of the Facility Management services will be done remotely, automating repetitive tasks and increasing efficiency. Simplify your workflows by accelerating processes and increasing transparency in every area of your organization. What can we achieve together? Adopting digital solutions can be a clear differentiator from the competition when rebuilding the value chain for current and potential customers. Cuéntanos tu caso **Contracts and labor parts** Speed up signing online registration contracts with the maximum legal guarantee. **Digital Onboarding** Open your organization's doors to new employees remotely, quickly, and efficiently. **Access to facilities** Register the personnel entries and exits to your facilities, controlling access and hours worked. **Worksheets** Accelerates work order authorization, estimation, and payment. **Contracts with suppliers** Digitally sign contracts with full legal validity while guaranteeing the signers’ identity. **Rental contracts** Automate how facility contracts and agreements are executed. **Confidentiality agreements** Improve security by automating confidentiality agreement signatures. **Equipment delivery** Easily confirm receipt of equipment and work material without any paper. **Employee registrations and cancellations** Communicate and manage all the ups and downs from any device, at any time, from any place. **Quality control** Ensures control process monitoring by review and inspection electronic signature. **Tax procedures** File returns, tax payments, and fees with legal guarantees. **Reinvent the global experience of your services** Forget platforms and systems that are not aligned with the way your organization is. Renew your proposal and gain loyalty. * Provide an environment of protection and security. * Improve productivity by eliminating inefficient paperwork. * Reduce operating costs and minimize possible errors. ## Reinvent the global experience of your services --- ### Healthcare | Industries | Tecalis **URL:** https://www.tecalis.com/industries/industries/healthcare **Descripción:** Take care of patients by entrusting administrative tasks to a holistic digital solution. for healthcare Acceptance, consents, reports or digitized records. Provide your patients with better healthcare from any device by reducing human error and minimizing the risk of fraud. ##### **The health sector is evolving toward new models of medical-patient care, focused on quality of service, economic savings, and productivity.** Healthcare providers and insurance groups are searching for new solutions to address deficiencies in **user authentication** and improve the quality of service with a **positive and consistent patient experience**. **93%** **of healthcare organizations** already have a digital transformation strategy **$186.5 bn** The telemedicine market is expected to reach $186.5 billion by 2026 **69%** **of patients** say an easy-to-use technology would encourage them to book a telemedicine appointment When we talk about health, every interaction counts From document preparation to identity verification, provide your patients and team with an accessible digital experience that meets the highest security standards. **Better support, from any device** A complete electronic signature solution saves paper and time during procedures such as admission forms, informed consents, management with insurers, or sending notifications. It guarantees a comfortable experience with maximum legal and seamless legality for everyone involved. **Patient verification and fraud prevention** Onboarding and patient authentication entails handling personal, financial, or medical data in compliance with current regulatory requirements. Reduce the risk of fraud across your digital processes with a scalable and efficient identity verification solution. **More time for what really matters** Automate manual tasks, configure workflows, define documents, and form templates. Increase the productivity of your teams by reducing human errors and improving patient satisfaction. What can we do together? It's time to leverage digital solutions to improve care and maximize growth potential. Tell us your case **Onboard patients and employees** Onboard new patients, healthcare staff and other employees quickly and easily. **Hiring employees** Digitally sign work contracts with full legal validity while ensuring the signatories’ identity. **Obtaining informed consent** A convenient and fully secure process for patients and physicians. **Signing medical reports** From any device, time, and place. **Know Your Patient** Mitigate the risk of fraud and medical history errors. **Claims management** Avoid losses from misleading claims and billing errors. **Operations with suppliers** Manage all your hiring processes from a single platform from start to finish. **Privacy guarantee** Guarantee and comply with your patients’ protection requirements. **Immutability and traceability** Eradicates errors in transfers, deliveries or updates of clinical records. **Medical history update** Eliminates manual records and paper patient management. **Online recipe issuing** Reduce the risk of loss for the patient, providing a more accessible care service. **Transform the relationship with your patients** Increase satisfaction in your services by providing the experience your patients need. * Improved access to health services. * Ensures security, ease of use, and privacy. * Reduces manual administration times and costs. ## Transform the relationship with your patients --- ### Education, eLearning & Training | Industries | Tecalis **URL:** https://www.tecalis.com/industries/industries/education-training-elearning **Descripción:** Universities, training businesses or online learning platforms. A seamless experience for students, teachers and professionals. Assess your students with an all-in-one proctoring solution based on the most advanced technologies. ##### **Educational institutions and training companies face the same challenges: ensuring that students get the best learning experience possible without any obstacles along the way, and maintaining a  productive organization that minimizes bureaucracy.** The best **EdTech** solutions help educational platforms and institutions at all levels establish a **successful student journey** that boosts worker productivity, simplifies teacher tasks, and helps students focus on their goals. **90%** **of students** prefer a blended or online educational experience over a face-to-face one. **50%** **savings** in costs and time with the use of digital tools for education. **75%** **of organizations** will use holistic digital platforms by 2023. The ultimate learning experience A new form of learning can be available at any time and place, which, compared to traditional education, allows for greater convenience, better results, and considerable cost savings. **Onboard new students in minutes** Register, identify and grant access to your educational platforms in minutes with a simple solution. Best of all, these solutions can be implemented without negatively impacting your IT and systems teams.  Integrate an affordable, pay-per-use platform for dozens of use cases in the training and education sector. We evolve with you without compromises or large outlays. **Monitor exams anytime and anywhere** Evaluate your students with an all-in-one proctoring solution based on the most advanced technologies used by leading companies and institutions. Artificial intelligence, biometrics, and official sealing at the service of assessment tests. Ask for information about Tecalis proctoring solutions. **Zero bureaucracy, agile processes and cost savings** Transform complex and slow processes into simple and fast ones. Boost your organization’s productivity by using the best digital solutions for the education sector.  Certify your educational institution’s activity with the support of a RegTech partner that helps you digitally validate your certificates and operations. What can we do together? We designed a comprehensive platform designed for all aspects that involve companies and institutions in the education and training area. Check out some EdTech use cases developed by Tecalis: Tell us your case **Proctoring** Evaluates and examines with the best possible guarantees while giving student an incredible experience. **Enrollment** Sign with the highest support and digitally manage enrollment. **Certified communication** Communicate academic program or fee changes through any legally supported channel. **Attendance confirmation** Certify student or teacher online and on-site attendance and certify that they are attentive with IA. **eLearning platforms** Enroll new students in seconds with the best onboarding solution. **Gamification** Innovate your academic proposal with the best technological solutions. **Scholarship granting** Validate information and protect yourself from fraud with the best verifications. **TFG/TGM Tribunals** Certify everything that has taken place in a special educational session of any kind. **Academic documentation** Seal academic document authorship and safeguard copyrights. **Internship agreements** Sign agreements with the best companies in minutes with leading tools. **Faculty** Grant access to physical facilities or platforms and automate mechanical tasks with RPA. **Student Portal** Provide secure and agile identification for your students to perform any operation. **GDPR** Comply with GDPR throughout your organization, with peace of mind and reliability. **Anti-Fraud Controls** Establish controls adapted to each process and use case. **Academic Insurance** Manage everything related to academic conditions and insurance. **Sending data** Automatic connection with the systems of the institutions receiving  ID information. **Communicate changes** Secure your activity with sealed proof of communications with users, including reading. **Documentation verification** Collect, store, and manage data and documentation in an intelligent and automated manner. **Inquiry mailbox** Redirect your user to the right agent and make sure they have the best information to assist the user. **Payments** Comply with PSD2, trace and generate proof for all your operations. **Signature and acceptance of conditions** Zero bureaucracy and agile signature with the most versatile and functional solution on the market. **Compliance** ISO 27001, 27701, 9001, eIDAS, GDPR, AML, KYC, PSD2, SCA or any other standard. **Scalability** Approve more students with the peace of mind of knowing that your organization will no longer be burdened and compromised. **Know Your Business and Due Diligence** Establish a framework of trust and confidence prior to making any major decision. **Signings** Automatically send the documents to your employees to sign at the end of the month or at any other time. **Telework** Verify your telecommuters’ identity and begin a secure working relationship. **Proctoring: achieving a new eLearning level** Currently, there is only one obstacle to **remote education and training having the same guarantees and support as face-to-face education**: verification. What's more, it is even possible to **achieve a higher level than it**. In a totally **legal way that does not generate reluctanc**e among users. Discover in this exclusive content all the keys to an online teaching model that **attracts more students**, **guarantees their certifications** and **optimizes costs**. Integrate a cross-channel solution into any system without negatively impacting your web or app platforms. Grow by complying with the most demanding standards and providing updated services to your students. * Keep fraud and phishing at bay. * Automate administrative tasks to be more productive. * Back up your activity with a trusted third party. ## Provides the training of the future, today --- ### Accounting, Administration & Finance | Areas | Tecalis **URL:** https://www.tecalis.com/industries/areas/accounting-administration-finance-cfo **Descripción:** Digitization for financial, accounting and administration departments. Electronic signature, certified communication and RPA automation for better management. Optimize accounting processes by streamlining invoicing and cash flow by current legal requirements. ##### **A company's financial and administrative management includes sensitive document creation, processing, and control.** Preserving up-to-date accounting and administrative management is essential for any organization, ensuring responsiveness and streamlining all internal processes. **80%**  of the signature requests are finalized the same day they are sent without delay. **50%** savings in costs and administrative tasks by using electronic signatures. **70%** increase in partner and supplier satisfaction. Toward a successful financial model Manage and optimize critical accounting and administrative processes and free up time and resources for your employees to focus on what's important. Accelerate invoicing and cash flow by improving compliance. **Relying on a Pay-Per-Use Platform** Sign and manage any contract, transaction, project, and budget approval with an end-to-end transaction cycle management solution for finance or administration departments. Inform suppliers or partners of maturities or debt notices with full evidence and audit reports. Count on the best RegTech partner for sensitive transactions such as an acquisition or a merger. Due Diligence and KYB included. **Robustness and Legal Backing for all Transactions** A Trusted Third Party is your insurance to comply with the most demanding technical and legal standards. It has the maximum legal and regulatory support for all your operations. Collect, store, and process data while complying with GDPR and any industry regulations in an automated and error-free manner. Trace and seal all operations to ensure transparency and security. **Why digitize your accounting** Now, you can count on a comprehensive automated management system that’s compatible with your tools and provides regulatory support for your activity. Liberate your organization from bureaucratic and mechanical tasks and boost productivity. Simple. Agile. Powerful. Paperless. Tecalis transforms your operations so you can focus on what's important. What can we do together? Plan and control investments with the peace of mind of knowing that the tasks that make it happen are secured with a third-party backed agile tool. Learn more about what Tecalis can do for you: Tell us your case **Invoice Signing** Stamp and collect invoicing information and automatically enter data into your systems. **Compliance** Automate AML, SOX, and HIPAA compliance with audits and retention policies. **Controllers and audits** Audit and generate reports while complying with the most demanding standards. **Expense reports** Get employees to electronically sign off on expense reports in seconds. **Inventory closing** Inventory management forms and processes to save time and increase security. **Policy signature** Corporate policies accepted by partners, employees, and suppliers in seconds. **Document management** Collect, verify, and store identity documentation. **Access** Grant secure access to your systems and platforms with a multi-factor strategy. Biometrics included. **Traceability of operations** Generate proof and record every step and phase of your operations, with the support of a third party. **Delivery Parts** Sign and certify deliveries anytime, anywhere, easily, and paperless. **Back-Office** Zero bureaucracy. Leave the back-office and mechanical tasks to an error-free tool. **Form Generation** Automatically, instantly, and securely generate and send forms to your partners. **Penalties** Record non-compliance and back up your evidence with a trusted third party. **Adoption of tools** A comprehensive platform for you and your suppliers. Share information and work as a team. Minimize risk and invest with guarantees. Finalize transactions between departments or with third parties in minutes instead of days or weeks using the most up-to-date digital platforms. * A capable CFO: Creates a united, transparent, and up-to-date team. * Forget the bureaucracy. Store, collect and process documentation and data with security and agility. * Ensure your peace of mind with an error-free solution. Don't worry about the mechanics. ## Be dynamic and work with robust tools --- ### Gambling, Online Gaming & eSports | Industries | Tecalis **URL:** https://www.tecalis.com/industries/industries/gambling-online-gaming-esports-videogames **Descripción:** From sports betting to eSports competitions, onboard players in seconds with total security. Reliable age verification and safe play. Enforce a Know Your Player (KYC) process specially adapted for online or gaming competitions. ##### **Nothing should interrupt the original experience in leisure and entertainment. Players demand agility and immediacy, abandoning complicated and slow processes. Now, gaming platforms adapt to these requirements with ease.**  Find out how you can **increase your conversion rates** with **solutions tailored** to your business while complying with the most demanding regulatory requirements and **without increasing costs**. **20%** year-on-year **growth** in gambling platforms that integrate agile controls **70%** **of users** stated that they would play more if there were more security controls **80%** **of** online gaming and eSports **competitions** are held without adequate controls before and during the game Register, onboard, and validate your players without friction. Make the verification process a part of the customer journey that provides a seamless experience. Your players will love interacting with you, in and outside of the game. **Age verification with agile and foolproof controls** Implement a Know Your Customer (KYC) process that’s designed for online or competitive gaming. Let our AI and Machine Learning-based technology do the rest, and focus your resources on the game. Use biometrics to establish an MFA strategy to make your users want to play with you on any channel in an integrated and simple manner. **Regulatory compliance in any market** Establish anti-fraud controls to comply with any Anti-Money Laundering regulations or age restrictions. Confirm that your players are who they say they are with the support of a RegTech partner. Boost productivity and creativity with a holistic implementation of the most powerful tools. **Secure future growth and player loyalty** Think you've seen it all? The most disruptive innovation has come to drive a sector that is growing by leaps and bounds. We adapt to the new player profiles and evolve with them to make the industry grow. We take care of everything. Generate proof and map the player journey. We take responsibility for what could happen for only one reason: the reliability of our solutions. What can we do together? Protect yourself from fraud and comply with the most demanding regulators by using a pay-per-use solution that integrates seamlessly into your applications, platforms, and games without affecting your development teams. Discover what Tecalis can do for you: Tell us your case **Onboarding** Onboard with AML and KYC new players from anywhere, at any time, and in any market. **Age verification** Verify your users’ ages and identities. **Authentication and player area** A multi-factor SCA strategy for every case. Any method, including biometrics. **Privacy** Stores sensitive data and information with full transparency in compliance with protection standards. **Payments** Comply with PSD2, trace, and generate proof for all your operations. **Contracting** Finalize contracting processes without friction, and with the best electronic signature. **eSports competitions** Innovative solutions with AI and facial recognition during the game. Prevent cheating. **Sending data** Automatic connection with institutions’ systems that receive ID information. **Communicate changes** Secure your activity with sealed proof of communications with users, including reading. **RPA Bots** Automate human tasks in a user interface. Error-free, secure, and guaranteed. **ID documentation verification** Collect, store, and manage data and documentation in an intelligent and automated manner. **Anti-Fraud Controls** Establish controls adapted to each process and use case. **Queue management** Redirect your user to the right agent and make sure they have the best information to assist the user. **Signature and acceptance of conditions** Zero bureaucracy and agile signatures with the most versatile and functional solution on the market. **Compliance** ISO 27001, 27701, 9001, eIDAS, GDPR, AML, KYC, PSD2, SCA or any other standard. **MFA strategy** SCA. Establish multiple authentication methods, including facial biometrics and digital signature. **Traceability** E2E traceability for all your operations. Generate proof, audit, and obtain metrics. **Proof of life** An ID card and a selfie are all you need to generate certified proof of life. **Scalability** Approve more customers with the peace of mind of knowing that your organization will no longer be burdened. **Account opening** Signature and verification for agile, compliant, secure, and unbureaucratic account opening. Take away the tediousness from your teams and players, and create a top-notch experience to maximize conversion. Now you can focus on what matters and leave the bureaucracy to an affordable expert solution. * Deliver a streamlined and integrated onboarding experience. * Operate under any standard without physical presence. * Back up your activity with a trusted third party. ## Securing and making the game funnier --- ### Public Administration & Governments | Industries | Tecalis **URL:** https://www.tecalis.com/industries/industries/governments-institutions-public-administration-organizations **Descripción:** GovTech solutions for governments and public agencies. Productivity and process optimization to deliver the best public service to citizens. From G2B operations to personnel management, drive savings and agility within your administration with the best technology. ##### **The digitization of public administrations and agencies is in full force. However, citizens still face roadblocks when they go to complete online procedures on digital platforms.**  **The best GovTech solutions are helping local, regional, and central governments establish a successful experience that boosts civil servant productivity and simplifies citizens’ access to the digital platforms of different public agencies and entities.** **80%** **of citizens** would prefer to resolve bureaucratic issues remotely **50%** **savings** in costs and time with the use of digital tools for public administration **80%** **of citizens** say they’ve experienced major roadblocks when interacting online with the public administration Better citizen engagement Public institutions must provide citizens with centralized and efficient access to services while protecting their digital identity in everyday processes. **More agile and modern public agencies** From G2B operations (business-administration) to personnel management for companies and public institutions, including automating administrative tasks for civil servants, we drive administration agility and savings. The new digital platforms integrate seamlessly into any organization’s systems without changes or complex implementation requirements on a technical or regulatory level. **User-centered digital administration** It registers and grants access to citizens to different public entities and organizations’ digital platforms as securely as possible while complying with the most demanding regulations and requirements. It issues digital certificates based on biometrics and allows citizens to complete any procedure without any additional roadblocks or bureaucracy. **Guarantees and security for a transparent government** Establish procedures and security controls for a transparent and reliable digital administration. Sign government minutes or public policy statements with a digital seal that meets standards. It traces the activity of public agencies and entities with the support of technology that makes possible a more secure citizen-administration relationship. What can we do together? We designed a comprehensive platform that adapts to any public agency’s processes and systems within days or weeks. Discover some of the GovTech use cases developed by Tecalis: Tell us your case **Electronic Signature** Digitally sealed citizen procedures with the best support and the best security. **Municipalities** Digitally managed and automated resolutions, ordinances, and municipal minutes. **Citizen communication** Send communications to citizens with full traceability. **Healthcare** Digital solutions to boost productivity in public healthcare. **Suppliers** Manage relationships with suppliers, purchases, and expenses in a transparent and agile manner. **Digital certificates** Issue and validate digital certificates for online procedures. **Citizen access** Easy and convenient access to an administration's platforms. **Fairness** Redirect your user to the right agent and make sure they have the best information to assist them. **Facial recognition** A new era for governments and citizens. Security and reliability. **Inquiry mailbox** Redirect your user to the right agent and make sure they have the best information to assist them. **Citizen participation** Creates participation platforms to promote more democratic models. **Housing** Digital solutions designed for public housing and land companies. **Citizen Portal** Secure and agile identification for your citizens to perform any operation. **GDPR** Comply with the GDPR throughout your organization. **Anti-Fraud Controls** Establish controls that are tailored to each process and usage case. **Sending data** Automatic connection with the institutions’ systems that receive ID information. **Communicate changes** Secure your activity with sealed proof of communications with users, including reading. **Documentation verification** Collects, stores, and manages data and documentation in an intelligent and automated manner. **Payments** Comply with PSD2, trace, and generate proof of all your transactions. **Signature and acceptance of conditions** Zero bureaucracy and agile signatures with the most versatile and functional solution in the market. **Compliance** ISO 27001, 27701, 9001, eIDAS, GDPR, AML, KYC, PSD2, SCA or any other standard... **Know Your Business and Due Diligence** Establish a framework of trust and confidence before making any major decision. **Signings** Automatically send documents for your employees to sign at the end of the month or at any other time. **Telework** Verify the identity of your telecommuters and begin a secure working relationship. **** Integrate a cross-channel solution into any system without negatively impacting your web or app platforms. Help your staff be more productive and eliminate blockages and bottlenecks. * Boosts civil servants’ productivity. * Reinvent processes to be more agile and transparent. * Back up your activity with a trusted third party in the EU. ## Make interacting with organizations a pleasant experience --- ### Cryptos, Trading, Forex | Industries | Tecalis **URL:** https://www.tecalis.com/industries/industries/crypto-exchanges-trading-forex **Descripción:** Secure and reliable cryptocurrency for exchange, investment and trading. Onboard users in any market with KYC and AML controls. Perform free-fraud customer onboarding at the highest level complying with the latest regulations. ##### **Trading platforms and the cryptocurrency industry have been the biggest topic of discussion across the FinTech sector in recent years. Their ability to innovate and adapt has led to rapid growth and expansion.** However, these areas present **challenges** that must be solved with the best solutions. These solutions must be **implemented throughout your customer journey**, boosting your activity without users noticing. **30%** estimated **increase** is expected for the security and verification budgets in trading and cryptocurrencies by 2023 **80%** **of users** surveyed would want to invest in cryptocurrencies and investments if the platforms had more legal backing. **60%** **of users** indicate that they don’t have a feeling of complete security when using trading platforms. Exponential growth thanks to a scalable model. Onboard customers in any market while meeting the most demanding regulations and standards and giving your users the best possible experience with a renewed and comprehensive product and service offer. Tecalis incorporates a pay-per-use solution adapted to the trading and cryptocurrency sector, allowing you to add new clients from anywhere in the world with the support of a Trusted Third Party. **Builds trust and establishes agile processes** Users won’t notice any changes. Complying with the most demanding standards is as simple as integrating an agile solution that won’t compromise the experience you want to give. Best of all, this integration can be done in minutes. Communicate assurance and confidence without sacrificing productivity or efficiency. Discover how the industry is expanding and embracing new horizons. **Be scalable and operate in any market** Expand your product and service portfolio with the best solutions. Discover all that the best RegTech has to offer, beyond assured compliance. Boost productivity and creativity by holistically implementing the most powerful tools. **Know Your Customer and AML to comply** Perform onboarding at the highest level and comply with the policies that your industry requires. Establish anti-fraud controls with the latest technology and close transactions in seconds. We’ll take care of the rest. Generate proof and your users’ trace the journey. Tecalis is responsible for what can happen for only one reason: our solutions’ reliability. What can we do together? Crypto transaction monitoring, wallet opening, industry blockchain needs, and automated analytics and reporting are crucial operations for cryptocurrency trading and exchanges. Discover a part of what Tecalis can do for you: Tell us your case **Onboarding** Onboard new customers, from anywhere, at any time, in any market with AML and KYC. **Authentication and client area** A multi-factor SCA strategy for every case. Any method, including biometrics. **Anti-Fraud Controls** Establish controls that are adapted to each process and use case. **Financial Services** Count on an expert FinTech partner for the financial services that you want to offer. **Contracting** Close contracting processes with complete documentation and friction-free. The best electronic signature. **Insurance** Manage everything related to conditions and additional insurance. Offer new products. **RPA Bots** Automate human tasks in a user interface. Error-free, secure, and guaranteed. **Sending data** Automatic connection with the systems of institutions receiving ID information. **Communicate changes** Secure your activity with sealed proof of your communications, including reading. **Documentation verification** Collect, store, and manage data and documentation in an intelligent and automated manner. **Privacy** Store sensitive data and information with full transparency and in compliance with protection standards. **Queue management** Redirect your user to the right agent and make sure he/she has the best information to serve him/her. **Payments** Comply with PSD2, trace, and generate proof in all your transactions. **Signature and acceptance of conditions** Zero bureaucracy and agile signature with the most versatile and functional solution on the market. **Compliance** ISO 27001, 27701, 9001, eIDAS, GDPR, AML, KYC, PSD2, SCA or any other standard. **MFA strategy** SCA. Establish multiple authentication methods, including facial biometrics and digital signature. **Traceability** E2E traceability of all your operations. Generate proof, audit, and obtain metrics. **Proof of life** An ID card and a selfie are all that a user needs to generate certified proof of life. **Scalability** Approve more customers with peace of mind knowing that your organization will no longer be burdened. **Account opening** Signature and verification for an agile, compliant, secure, and unbureaucratic opening. **Know Your Business and Due Diligence** Establish a framework of trust and confidence before making any major decision. **BFSI Industry Report 2023-24** Our experience - coupled with that of our clients - has resulted in a **comprehensive overview of industry trends, practices and challenges**. Are the leaders' **acquisition techniques** working? We analyzed the **best proposals and how BFSIs are approaching their processes** to **achieve their business goals**. **Convergence and diversification capabilities** have marked these key areas for economy. Discover the KPIs to expect today for businesses in the industry and **what to expect from the market in the near future**. Integrate a cross-channel solution into any system without negatively impacting your web or app platforms. Rely on a RegTech partner for cryptographic licensing and know its implications, taking advantage where others see impediments. * Provides an agile and integrated onboarding experience. * Automates crucial operations that are error-free with maximum security. * Back up your activity with a trusted third party. ## Building the future of the economy together --- ### Metaverse, VR, AR and Web3 | Industries | Tecalis **URL:** https://www.tecalis.com/industries/industries/metaverse-meta-avatar-identity-technology-web3-businesses **Descripción:** The metaverse is using Avatar Identity Technology to create secure VR worlds in which to operate and transact with assurance. Create avatars in seconds providing maximum privacy and security through onboarding based on the KYC standard. ##### **Metaverse, VR, and AR experiences with security and guarantees. The development of Web3 involves a series of challenges that must be solved with standards based on the identification of those who access these virtual environments.**   Operating in the metaverse with real companies and real users should be the path guiding its implementation and growth. From NFTs transactions through purposeful work on blockchain, **building one identity for all platforms is now possible**. **25%** **of internet users** will spend at least one hour a day on a metaverse platform by 2030. **800 billion** **USD** is the expected value of the metaverse industry in 2025. **750,000** **active users** in Second Life alone today. One identity. All platforms We make the virtual world a consistent and future-proof reality thanks to the most advanced technology for the creation of digital identities based on the avatars of the most important VR, AR and metaverse platforms. **A secure environment in which to operate** The growth and adoption of Web3 platforms depend on users' trust in them. Maximum privacy, the anonymity of avatars and identification in case of fraud can go hand in hand. We've made it easy with an onboarding process based on the well-known Know Your Customer secure identification standard. A flow where users create avatars in seconds and link them to their real identities. **Enabling valuable transactions in the metaverse** Interactions in the metaverse are limitless: From taking out insurance, taking a class or taking a test to buy a car. Now, they can have 100% supported validity. It establishes a secure SCA login system that can be integrated into any gateway of the most relevant platforms in the industry with authentication based on initial onboarding. **Based on international standards accepted by top institutions** Crime and risk have reached the metaverse. Catching them before they happen is possible with automated controls for users and their transactions. Regulators have already put their focus on the metaverse and their support is to create safe environments in accordance with the laws of the markets in which they operate. What can we do together? We have designed a comprehensive platform designed for all aspects that concern companies and institutions with an interest in the metaverse. Discover some of the challenges solved by Tecalis Avatar Identity Technology: Tell us your case **Avatar creation** Be the way you want to be on Web3 platforms and link that look to your real identity. **Onboarding** Acquire more users in less time with seamless security. **AML Controls** Establish controls for conducting FinTech or InsurTech transactions in the metaverse. **Avatar identification** **Proctoring** For high risk operations in the metaverse. Launch the system at the time of the transaction. **Electronic Signature** Contract services, buy products and close deals in the metaverse. **GovTech** Cities and public institutions in the metaverse with security and offering digital public services. **Accessing VR events** Grant access to any virtual experience in a safe and secure way. **Avatar Identity Technology launch event** From the Galician innovation center GaiásTech, Tecalis presented together with KPMG the beginning of the technology that has transformed the way of identifying users in the metaverse. We analyze the legal implications affecting these virtual reality platforms and how to ensure the sustainable and safe growth of Web3 proposals from the most innovative companies. Integrate a cross-channel solution into any of your systems without impacting your web or app platforms. Grow in compliance with the most demanding standards and offer secure environments to your users. * Keep fraud and risk at bay. * Create a realistic and decisive approach for the metaverse. * Back up your users’ activity with a trusted third party. ## Trusted services for the metaverse --- ## Contracting and Digital Signature | Tecalis **URL:** https://www.tecalis.com/use-cases/contracting-electronic-digital-signature-documents **Descripción:** Agile, 100% compliant eSignatures and certified communications Create integrated contract flows with your systems and accelerate transactions. Contracting & Digital Signature Contracting & Digital Signature Your document and digital signature management does not need to be complex. Opt for solutions that comply with the strictest standards while saving time and costs. Collaborate with customers, employees and partners in a secure and agile manner Creating integrated contracting flows with your systems and speeding up deals is the key to a successful business. Create documents and check all options in minutes for your users to sign in seconds. **Simplicity and organization** Use **calendars to keep track** of everything that happens in signing and contracting processes. Mark notices for expirations, renewals and **automate your work**. **Full integration** Make it **easy and simple**. Connect your tools **with the day-to-day running** of your business. Send your documents and sign them by **email, sms**, **whatsapp**, app, etc. **Custody of documents** **Send, collect, store and process** all types of sensitive information and documentation with the utmost rigor and the support of a trusted third party that provides legal custody. Electronic signature The end-to-end solution for creating, sending, scheduling and signing documents. **Every signature and sending method** The most functional solution on the market, with KYC as a standard feature and all sending modes on any channel (envelopes, bulk, sequential, groups, etc). **The only one with GPT AI** Automatically create financial documentation, powers of attorney, purchase and sale contracts, service docs, invoices, HR documents or insurance policies in seconds. **eIDAS 2 and RGPD** Compliance is not only mandatory, it protects your teams, customers and partners. Choose an EU-approved RegTech QTSP partner. Deals and contracts instantly Unify your operations under Tecalis, the trusted global service platform. **KYC identity verification** Integrate the **most advanced KYC/AML digital onboarding** with your eSignature and contracting system seamlessly. Create a transaction risk score, perform bank scrapping and collect and validate sensitive documentation to **instantly onboard customers**. **Document processing, KYB and bastanteing** **Collect, validate and process all types of documentation:** deeds, tax forms, identity, banking or invoices. **Powerful** OCR and AI computer vision systems with AI for structured and unstructured data. **Customer Hub** **All sales and business management tools** to get more customers in your own and alternative channels with **motivated and capable teams**. Much more than a CRM or an ERP, opt for the solution that market leaders use to grow. Customer Stories **Renfe: Electronic Signature for the Legal Sector** Tecalis Electronic Signature and Certified Communication have maximized productivity and allowed processes and operations to be performed remotely in compliance with the most demanding standards, digitally and with E2E traceability. **eSignature benefits for international agreements** Sign international contracts < 1 day **Movistar: Self-Activation with KYC and Digital Contracting** Tecalis conceived, designed and currently executes an end-to-end platform of self-activations in less than 3 minutes, with a user experience and interfaces designed to avoid churn rates. **Self-Activation with KYC and digital contracting** Activation < 3 minutes Resources that may interest you **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **eIDAS 2: the new European eSignature & digital identity** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 --- ## Risk, Fraud and Document Processing | Tecalis **URL:** https://www.tecalis.com/use-cases/risk-fraud-processing-document-notarization **Descripción:** Automated notarization, AML controls, document processing, anti-fraud tools and risk management. Discover the best Tecalis trust services tools. Fraud Prevention Risk, Fraud & Document Processing The search for efficiency is key in sensitive areas such as risk assessment and fraud mitigation. Make the complex simple by adapting to new AI tools. Scaling your business to any market with zero fraud Avoiding errors, processing large amounts of information and making the right decisions for risky transactions is now easier than ever. Create fraud prevention strategies and optimize document management processes to save and streamline. **Minimal risk** **Personalizing your offer** involves a thorough study of the viability of each operation. Work with **automated customer scores** according to defined parameters. **Fraud and AML controls** In order to **reach all segments and markets** and offer risk-bearing products you must use the right AML and **behavioral-based fraud prevention** tools. **Document processing** **Working with data and documents** is tedious and complex. Try automating these processes with **affordable technologies** used by the most innovative companies. Anti-Fraud Controls Tools 100% integrated into your structure and processes, sealed by a QTSP. **The first 2nd Gen OCR** Collect, verify, analyze, process and store all types of physical and digital documentation. Error-free and with dozens of AI-driven functionalities. **Automated power of attorney notarization** B2B and B2C processes with minimum processing times. Automatically connect with all involved parties and close transactions in minutes. **KYC, KYB and Due Diligence** eIDAS 2 and PSD3 set the new way. Connect with +500 public and private databases, bank scrapping, document validation, reliable identification and digital signature in +190 countries. Reduce costs in dozens of processes Meet the highest standards and focus on what matters most **Identity verification** Integrate the most advanced digital onboarding into your **business and sales processes**. Automate compliance with tools that are easy for your customers and secure for your operations. **Contracting and digital signature** **Close more deals in less time**. A comprehensive eIDAS2 electronic signature solution for all your internal, customer and supplier processes. **Automate the entire flow together with the rest of the tools**. **Automation - RPA** **Minute-lasting integrations without bothering your IT teams.** Use AI to connect and manage change without friction. **RPA bots working for you and your teams** without errors, seamlessly and enabling new use cases. Customer Stories **Habitissimo: New clients and professionals in several markets** KYC and KYB to onboard professionals and companies in various countries working in the digital ecosystem of the brand and its platforms. Advanced verification of identity documents, professional information and industry-specific documentation. **Onboarding and registration of professionals and businesses: Multinational KYC and KYB** SME UBO verification ~40 seconds **Prosegur: Security Hub: Seamless Security and AI Controls** Prosegur is able to offer its customers an on-demand service of complete access management, with anti-fraud and security controls in its systems and facilities together with Tecalis. **Security Hub for SOC: Access control and biometrics** Access and security management **Bip&Drive: Multi-channel driver verification** Collection and validation of dynamic identity documentation (DNI, NIE, ID Card, Green Card, Passport, etc.) without the need for prior specification and with the most exhaustive anti-fraud checks and reliable identity in each of the 3 countries. **Multi-channel driver verification for leading mobility platform** International document validation Resources that may interest you **Power of attorney verification: What is notarization and how to make it automatic** en 2024-04-11T13:03:34.000Z 2024-04-03T10:57:49.000Z 2024-09-30T13:36:39.000Z Reading time: 4 min. 2024-04-10 **bastanteo-en.png** bastanteo\_en\_40b183616b .png image/png 976.12 local 2024-04-03T10:41:05.000Z 2024-09-24T13:37:46.000Z Power of attorney verification | What is it 1560 810 **thumbnail\_bastanteo-en.png** thumbnail\_bastanteo\_en\_40b183616b .png image/png 245 127 59.1 **large\_bastanteo-en.png** large\_bastanteo\_en\_40b183616b .png image/png 1000 519 721.42 **medium\_bastanteo-en.png** medium\_bastanteo\_en\_40b183616b .png image/png 750 389 432.09 **small\_bastanteo-en.png** small\_bastanteo\_en\_40b183616b .png image/png 500 260 210.03 0789126b-6335-599d-96e8-128de6018576 **Power of attorney verification: What is notarization and how to make it automatic** **bastanteo-en.png** bastanteo\_en\_40b183616b .png image/png 976.12 local 2024-04-03T10:41:05.000Z 2024-09-24T13:37:46.000Z Power of attorney verification | What is it 1560 810 **thumbnail\_bastanteo-en.png** thumbnail\_bastanteo\_en\_40b183616b .png image/png 245 127 59.1 **large\_bastanteo-en.png** large\_bastanteo\_en\_40b183616b .png image/png 1000 519 721.42 **medium\_bastanteo-en.png** medium\_bastanteo\_en\_40b183616b .png image/png 750 389 432.09 **small\_bastanteo-en.png** small\_bastanteo\_en\_40b183616b .png image/png 500 260 210.03 0789126b-6335-599d-96e8-128de6018576 Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 349.1 local 2023-02-14T17:26:43.000Z 2024-09-24T13:38:30.000Z KYB infographic of its performance 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 245 135 36.27 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 1000 552 324.29 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 750 414 202.33 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 500 276 105.78 4b70aa08-7c31-5d27-aa94-badd18ee734a **OCR: What is optical character recognition for users and businesses?** en 2024-04-03T09:25:41.000Z 2024-03-26T13:34:41.000Z 2024-05-07T10:49:16.000Z Reading time: 5 min. 2024-04-02 **ocr-en.png** ocr\_en\_d176009c4a .png image/png 1180.71 local 2024-03-26T13:17:25.000Z 2024-03-26T13:17:25.000Z what is OCR technology 1560 810 **thumbnail\_ocr-en.png** thumbnail\_ocr\_en\_d176009c4a .png image/png 245 127 57.15 **large\_ocr-en.png** large\_ocr\_en\_d176009c4a .png image/png 1000 519 698.01 **medium\_ocr-en.png** medium\_ocr\_en\_d176009c4a .png image/png 750 389 403.54 **small\_ocr-en.png** small\_ocr\_en\_d176009c4a .png image/png 500 260 193.2 03481a26-e045-57a2-9830-f8115d900611 **OCR: what is optical character recognition for users and businesses?** **ocr-en.png** ocr\_en\_d176009c4a .png image/png 1180.71 local 2024-03-26T13:17:25.000Z 2024-03-26T13:17:25.000Z what is OCR technology 1560 810 **thumbnail\_ocr-en.png** thumbnail\_ocr\_en\_d176009c4a .png image/png 245 127 57.15 **large\_ocr-en.png** large\_ocr\_en\_d176009c4a .png image/png 1000 519 698.01 **medium\_ocr-en.png** medium\_ocr\_en\_d176009c4a .png image/png 750 389 403.54 **small\_ocr-en.png** small\_ocr\_en\_d176009c4a .png image/png 500 260 193.2 03481a26-e045-57a2-9830-f8115d900611 --- ## Intelligent Channel Management | Tecalis **URL:** https://www.tecalis.com/use-cases/intelligent-channel-management **Descripción:** Design a comprehensive channel management platform to seamlessly reach any of your target markets. Integrate all the tools to sell more at a lower cost. Intelligent Channel Management Intelligent Channel Management Covering every aspect to activate more products and points of sale is a challenge. Deliver your value proposition to your customers and reach your target markets through any channel. Scale up your activity and provide frictionless feedback All sales, after-sales and back-office operations must be carried out in an agile, efficient and simple way for your commercial and business teams. A good product, service and brand must be materialized through the right commercial channel management. **Capable teams** Deliver the best tools to **sell more at a lower cost** to those who work in direct contact with your customers. For both **yours** and your **partners’ ones**. **New use cases** **Instant and secure activation** thanks to KYC/AML, coverage checking, **automated customer scoring** and intelligent cross-sale. **Detailed strategy** **Rapid adaptation** to changes in the different markets. Implement a **data-driven strategy** with goal-oriented processes. Customer Hub A BSS platform to manage your commercial, marketing and business resources. **Uncover and retake leads** Search for new sales opportunities. Connect different channels to share information and ensure closing. **No development or complexity** As powerful as your most expert teams demand and as simple as your less digital users need. **0% fraud and risk** Easily integrate RegTech tools into your operations to avoid penalties and enable new sales models. Integrated tools as standard All the systems that will allow you to scale, seamlessly integrated in all your operations. **KYC/AML Onboarding** Avoid errors, create a **risk score of** the operation, perform **bank scrapping** and **collect and validate sensitive documentation** to activate new customers according to the regulations of each market, **remotely and in person**. **KYB and automated notarization** Close **customer-business deals** in minutes, agree with suppliers without friction and work with **partners** of all types. **Operate under any level of risk** for B2B, B2C and B2B2C. Complete and audited tools. **Contracting and digital signature** Intelligent **acquisition, sales and contracting flows with maximum conversion**. Define customer journeys tailored to the needs of each customer with a seamless **user experience** in any channel for document management. Customer Stories **Movistar: Self-Activation with KYC and Digital Contracting** Tecalis conceived, designed and currently executes an end-to-end platform of self-activations in less than 3 minutes, with a user experience and interfaces designed to avoid churn rates. **Self-Activation with KYC and digital contracting** Activation < 3 minutes **Orange: Sales teams and integrated channel management** Tecalis Customer Hub has enabled Orange and all its brands to create an efficient and secure system in its various markets, with which to carry out all the key operations of its business efficiently and securely. **Customer Hub: Sales teams and integrated channel management** +10M activations with Tecalis seal **Telefónica: A single tool for all sales channels management** Structuring your entire sales network in a fully customized way and configuring guided processes for sales teams. Reduction of +80% in non-commercial salesperson time through self-activation. **Customer Hub: A single tool for all sales channels management** Reduced + 80% non-commercial time Resources that may interest you Product Overview **Customer Hub: Transform your commercial operations with ease** Simplify and scale all your business operations with techniques and innovations from leaders in all industries. Sales efforts in areas such as telecommunications, BFSI (Banking, Financial Services, FinTech, Insurance...) or utilities must be performed in a planned way and with a special focus on the contracting process. Download now en 2023-10-02T10:41:03.000Z 2023-09-27T11:01:56.000Z 2025-03-07T08:03:50.000Z product overview hub EN 5 40 **brochure-customer-hub-img-en.png** brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 638.21 local 2023-09-29T14:01:45.000Z 2023-09-29T14:01:45.000Z cover customer hub brochure 1312 1184 **thumbnail\_brochure-customer-hub-img-en.png** thumbnail\_brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 173 156 31.41 **large\_brochure-customer-hub-img-en.png** large\_brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 1000 902 554.63 **medium\_brochure-customer-hub-img-en.png** medium\_brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 750 677 330.4 **small\_brochure-customer-hub-img-en.png** small\_brochure\_customer\_hub\_img\_en\_e1301e66a7 .png image/png 500 451 162.11 2be57094-9a50-52be-8a57-feb2a491c394 **Customer Hub: simplify and scale your commercial operations** **product-overview-en.png** product\_overview\_en\_2476aaf61a .png image/png 473.07 local 2023-10-02T10:40:27.000Z 2024-09-24T11:38:10.000Z Customer Hub- Product Overview 1822 1005 **thumbnail\_product-overview-en.png** thumbnail\_product\_overview\_en\_2476aaf61a .png image/png 245 135 27.84 **large\_product-overview-en.png** large\_product\_overview\_en\_2476aaf61a .png image/png 1000 552 254.52 **medium\_product-overview-en.png** medium\_product\_overview\_en\_2476aaf61a .png image/png 750 414 159.27 **small\_product-overview-en.png** small\_product\_overview\_en\_2476aaf61a .png image/png 500 276 82.62 fcf81faa-601d-559c-b83f-17c11f7d3fb2 **Customer portal: what is a self-service portal and how to create self-activation flows** en 2024-02-07T13:36:46.000Z 2024-02-07T11:36:21.000Z 2026-02-10T16:00:06.000Z Reading time: 4 min. 2024-02-12 **portal autoservicio en.png** portal\_autoservicio\_en\_2db4c96f62 .png image/png 697.4 local 2024-02-07T08:32:02.000Z 2024-09-24T13:36:30.000Z customer portal or serf-service portal 1040 540 **thumbnail\_portal autoservicio en.png** thumbnail\_portal\_autoservicio\_en\_2db4c96f62 .png image/png 245 127 73.84 **large\_portal autoservicio en.png** large\_portal\_autoservicio\_en\_2db4c96f62 .png image/png 1000 519 973.76 **medium\_portal autoservicio en.png** medium\_portal\_autoservicio\_en\_2db4c96f62 .png image/png 750 389 569.93 **small\_portal autoservicio en.png** small\_portal\_autoservicio\_en\_2db4c96f62 .png image/png 500 260 272.14 105a6acc-d409-528c-a015-f0794961b772 **Customer portal: what is a self-service portal and how to create self-activation flows** **portal autoservicio en.png** portal\_autoservicio\_en\_2db4c96f62 .png image/png 697.4 local 2024-02-07T08:32:02.000Z 2024-09-24T13:36:30.000Z customer portal or serf-service portal 1040 540 **thumbnail\_portal autoservicio en.png** thumbnail\_portal\_autoservicio\_en\_2db4c96f62 .png image/png 245 127 73.84 **large\_portal autoservicio en.png** large\_portal\_autoservicio\_en\_2db4c96f62 .png image/png 1000 519 973.76 **medium\_portal autoservicio en.png** medium\_portal\_autoservicio\_en\_2db4c96f62 .png image/png 750 389 569.93 **small\_portal autoservicio en.png** small\_portal\_autoservicio\_en\_2db4c96f62 .png image/png 500 260 272.14 105a6acc-d409-528c-a015-f0794961b772 **BSS: what is a business support system and how does it work in telecommunications?** en 2023-10-16T11:55:30.000Z 2023-10-11T13:59:23.000Z 2026-02-09T10:46:29.000Z Reading time: 4 min. 2023-10-09 **bss-en.png** bss\_en\_6ce516152e .png image/png 798.32 local 2023-10-16T11:24:41.000Z 2023-10-16T11:24:41.000Z Management Center Customer Hub 1352 702 **thumbnail\_bss-en.png** thumbnail\_bss\_en\_6ce516152e .png image/png 245 127 65.53 **large\_bss-en.png** large\_bss\_en\_6ce516152e .png image/png 1000 519 770.2 **medium\_bss-en.png** medium\_bss\_en\_6ce516152e .png image/png 750 389 457.31 **small\_bss-en.png** small\_bss\_en\_6ce516152e .png image/png 500 260 224.88 b353b422-b317-5245-8305-63359ea39d72 **BSS: what is a business support system and how does it work?** **oss-bss-en-1.png** oss\_bss\_en\_1\_50326985d0 .png image/png 914.81 local 2023-10-23T10:10:25.000Z 2023-10-23T10:11:07.000Z Workers using OSS BSS systems in a telco business 3120 1620 **thumbnail\_oss-bss-en-1.png** thumbnail\_oss\_bss\_en\_1\_50326985d0 .png image/png 245 127 56.2 **large\_oss-bss-en-1.png** large\_oss\_bss\_en\_1\_50326985d0 .png image/png 1000 519 703.2 **medium\_oss-bss-en-1.png** medium\_oss\_bss\_en\_1\_50326985d0 .png image/png 750 389 419.09 **small\_oss-bss-en-1.png** small\_oss\_bss\_en\_1\_50326985d0 .png image/png 500 260 203.23 22eb84fe-bfdb-5ace-8fd8-1c9745220d30 --- ## Onboarding, registration and activations | Tecalis **URL:** https://www.tecalis.com/use-cases/digital-onboarding-registration-activation **Descripción:** 100% compliant registration and activation of new customers, users, companies, or employees with the best possible conversion-focused experience. Digital Onboarding Onboarding, registration and activations Registration of new customers, users, businesses or collaborators must be done under a series of specific standards. Don't give up a perfect experience at the expense of security. Close deals in an effective, instant and compliant way Building dynamic flows to match processes to the operation and the user’s needs is now easier than ever. Automate KYC, KYB, AML and scoring operations with RegTech solutions that go far beyond simple ID verification. **No matter the way** Whether due to **market regulations** or the characteristics of the operation, you have nothing to worry about. We adapt your processes **easily** and without IT developments. **For customers of all types** **Agile and intuitive**. Users demand immediacy and simplicity **in any channel**. Define intelligent paths **100% automated or with human assistance** depending on the profile. **Reduced costs and processing times** Optimize all processes **from the first contact to the** service **registration** or product delivery under the same umbrella. Avoid friction and gain confidence. Identity Verification The first 2nd Gen digital onboarding system. All the processes you need to operate, under a single flow. **The best experience and integration** API system, web and any channel, with scoring. If you already hold a KYC solution, we take care of the change with a simple connector. **The only one with AI reconstruction** Dozens of integrated anti-fraud controls on behavior, biometrics and environment. Reliable validation of the subject, his data and documentation. **Designed by a QTSP RegTech** eIDAS 2 and PSD3 set the new way of onboarding. Connection with +500 public and private databases from +190 countries, bank scrapping and KYB document processing. Everything you need to grow safely Unify your operations under Tecalis, the global trust services platform. **Customer Hub** Integrate the most advanced digital onboarding into your **comprehensive sales channel and business management platform**. All the tools to get more customers in your own and alternative channels with motivated teams and agents. **Contracting and digital signature** **Sign the contract** and seal the deal along with KYC/AML onboarding processes. A complete package of customer registration and instant product/service activation. **Automate the entire flow and customer journey**. **Document processing, KYB and notarization** **Collect, validate and process all types of documentation:** deeds, tax forms, identity cards, banking contracts or invoices. Powerful **and AI-based** OCR and computer vision systems for structured and unstructured data. Customer Stories **Habitissimo: New clients and professionals in several markets** KYC and KYB to onboard professionals and companies in various countries working in the digital ecosystem of the brand and its platforms. Advanced verification of identity documents, professional information and industry-specific documentation. **Onboarding and registration of professionals and businesses: Multinational KYC and KYB** SME UBO verification ~40 seconds **Movistar: Self-Activation with KYC and Digital Contracting** Tecalis conceived, designed and currently executes an end-to-end platform of self-activations in less than 3 minutes, with a user experience and interfaces designed to avoid churn rates. **Self-Activation with KYC and digital contracting** Activation < 3 minutes **Bip&Drive: Multi-channel driver verification** Collection and validation of dynamic identity documentation (DNI, NIE, ID Card, Green Card, Passport, etc.) without the need for prior specification and with the most exhaustive anti-fraud checks and reliable identity in each of the 3 countries. **Multi-channel driver verification for leading mobility platform** International document validation Resources that may interest you **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **eIDAS 2: the new European digital identity** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Customer onboarding and registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e **Digital Identity and eSignature Trends** **Identity verification and eSignature** systems have managed to **avoid SIM Swapping** in the telecommunications industry, enable **instant registrations** in banking or build **online self-check-in models** in the tourism sector. The possibilities of the new SaaS platforms are practically unlimited. This exhaustive analysis contains the **most relevant use cases in each sector and the insights** provided by their users. Explore the **techniques and tools** needed **for each operational function of the company**. Download now Best practices of those who are exceeding marks **How to match market demands with my business’ characteristics and objectives?** Discover how agile process integration can help your business **increase sales, comply with regulations easily and save on costs**. **Exclusive data and information from our clients** where you will find a detailed perspective about: Get a full overview of the situation Download eBook en 2023-01-16T13:47:56.000Z 2023-01-11T16:58:12.000Z 2025-11-06T11:08:54.000Z tendencias EN 3 18 **tendencias-img1b-en.png** tendencias\_img1b\_en\_d971cc13f8 .png image/png 820.13 local 2025-11-06T10:54:49.000Z 2025-11-06T11:00:28.000Z Cover of Trends eBook 960 1160 **thumbnail\_tendencias-img1b-en.png** thumbnail\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 129 156 35.8 **large\_tendencias-img1b-en.png** large\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 828 1000 811.1 **medium\_tendencias-img1b-en.png** medium\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 621 750 478.63 **small\_tendencias-img1b-en.png** small\_tendencias\_img1b\_en\_d971cc13f8 .png image/png 414 500 234.02 226d1856-b1c7-54ef-9fc1-198ebc04d3cd **tendencias-img2b-en.png** tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 908.94 local 2025-11-06T10:54:49.000Z 2025-11-06T11:00:54.000Z key trends by industry 1059 1284 **thumbnail\_tendencias-img2b-en.png** thumbnail\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 129 156 27.2 **large\_tendencias-img2b-en.png** large\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 825 1000 701.1 **medium\_tendencias-img2b-en.png** medium\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 619 750 411.84 **small\_tendencias-img2b-en.png** small\_tendencias\_img2b\_en\_ca5ce0f5c0 .png image/png 412 500 197.31 23d88926-61f1-55e0-a74d-d088a6fb3c8f **Digital Identity and eSignature Trends 2023-2025** **ebook-tendencias-en.png** ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 781.25 local 2023-03-14T13:01:19.000Z 2025-03-03T09:15:48.000Z eBook about Digital Identity and eSignature Trends 1800 993 **thumbnail\_ebook-tendencias-en.png** thumbnail\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 245 135 35.82 **large\_ebook-tendencias-en.png** large\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 1000 552 378.56 **medium\_ebook-tendencias-en.png** medium\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 750 414 228.54 **small\_ebook-tendencias-en.png** small\_ebook\_tendencias\_en\_c4f9ef8c01 .png image/png 500 276 113.21 692ba107-00a8-5dc9-8bbd-4a24f8fff6bd --- ## RPA Optimization and AI Automation | Tecalis **URL:** https://www.tecalis.com/use-cases/rpa-optimization-process-automation-ai **Descripción:** Harness the power of artificial intelligence to create a secure and agile business model. New use cases and productivity through RPA and automation. RPA and AI Automation RPA Optimization and AI Automation Focusing on what's important and leaving administrative tasks aside is the only way to be competitive in today's world. Use Robot Process Automation to lead your market. Use AI and RPA within your BPM strategies Integrate systems with a simple learning curve, and adapt your day-by-day activity to AI tools easily. **Artificial Intelligence** Use AI **bots** to hyper-boost your productivity and that of **your teams**. Both for experts and entry-level users from **all business areas**. **Machine Learning** Let your systems intelligently **identify opportunities for data-driven self-prioritization** with systemic improvement. **Computer Vision** **Work with data, documents and image files of all types**. Discover what RPA technologies can do with structured and unstructured data in 2nd Gen. OCR. RPA - Automation The most accessible RPA tool and systems, integrated into your processes. **Mining of processes, tasks and communications** Automations based on web, API or on any system and platform, third party or proprietary. Desktop, DPA cloud and orchestration workflows. **Tecalis Automation Academy** The first RPA hub with a portal for free, paid, your organization's and community templates all in one. Learn how to use AI from scratch and RPA bots. No IT knowledge needed. **Raw data conversion with integrated OCR 2nd Gen.** Comprehensive, live monitoring with centralized governance and flexibility. Use work queuing, exception control and advanced AI features. Any business tool to work autonomously Do more with less and grow with a scalability-assured model **Customer Hub** Use the **global sales pipeline management platform with AI-based modules**. All the tools to get more customers in your own and alternative networks with motivated teams in one place. **Risk, fraud and document processing** **Collect, validate and process all types of documentation**: deeds, tax forms, identity cards, banking or invoices. **Powerful OCR and OCR** systems **with AI** for structured and unstructured data and **behavioral-based anti-fraud systems**. **KYC/AML identification and eSignature** Close **more leads in less time**. A comprehensive **eIDAS2 and KYC electronic signature and identification** solution for all your internal, customer and supplier processes. Automate the entire flow together with the rest of the tools. Customer Stories **Habitissimo: New clients and professionals in several markets** KYC and KYB to onboard professionals and companies in various countries working in the digital ecosystem of the brand and its platforms. Advanced verification of identity documents, professional information and industry-specific documentation. **Onboarding and registration of professionals and businesses: Multinational KYC and KYB** SME UBO verification ~40 seconds **Prosegur: Security Hub: Seamless Security and AI Controls** Prosegur is able to offer its customers an on-demand service of complete access management, with anti-fraud and security controls in its systems and facilities together with Tecalis. **Security Hub for SOC: Access control and biometrics** Access and security management **Movistar: Self-Activation with KYC and Digital Contracting** Tecalis conceived, designed and currently executes an end-to-end platform of self-activations in less than 3 minutes, with a user experience and interfaces designed to avoid churn rates. **Self-Activation with KYC and digital contracting** Activation < 3 minutes Resources that may interest you **Process automation: what is it and use cases by industry and area** en 2022-06-22T15:37:18.000Z 2022-06-22T15:37:10.000Z 2024-10-08T14:16:28.000Z June 21, 2023 Reading time: 3 min. 2022-05-30 **automatizacion-de-procesos-en.png** automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 521.97 local 2023-01-24T09:30:01.000Z 2023-01-26T13:31:19.000Z Work meeting for process automation 2080 1080 **thumbnail\_automatizacion-de-procesos-en.png** thumbnail\_automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 245 127 59.25 **large\_automatizacion-de-procesos-en.png** large\_automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 1000 519 770.99 **medium\_automatizacion-de-procesos-en.png** medium\_automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 750 389 452.76 **small\_automatizacion-de-procesos-en.png** small\_automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 500 260 217.3 ae071de8-5527-53e4-8d84-726c6403b57b **Process automation: what it is and use cases by industry and area** **automatizacion-de-procesos-en.png** automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 521.97 local 2023-01-24T09:30:01.000Z 2023-01-26T13:31:19.000Z Work meeting for process automation 2080 1080 **thumbnail\_automatizacion-de-procesos-en.png** thumbnail\_automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 245 127 59.25 **large\_automatizacion-de-procesos-en.png** large\_automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 1000 519 770.99 **medium\_automatizacion-de-procesos-en.png** medium\_automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 750 389 452.76 **small\_automatizacion-de-procesos-en.png** small\_automatizacion\_de\_procesos\_en\_b8c5b855e4 .png image/png 500 260 217.3 ae071de8-5527-53e4-8d84-726c6403b57b Infographic **Easy-to-implement tools for sales teams** In highly competitive markets where sales teams face great challenges, your teams need tools that allow them to focus on what is important. There are 3 key steps to create functional sales channels. Download now en 2023-06-15T14:11:41.000Z 2023-06-08T07:33:30.000Z 2025-08-18T12:53:48.000Z infografia herramientas ventas EN 0 14 **infografia-herramientas-ventas-img-es.png** infografia\_herramientas\_ventas\_img\_es\_ac1ade79b2 .png image/png 227.86 local 2023-06-15T14:10:11.000Z 2023-06-15T14:10:12.000Z herramientas para equipos comerciales 984 889 **thumbnail\_infografia-herramientas-ventas-img-es.png** thumbnail\_infografia\_herramientas\_ventas\_img\_es\_ac1ade79b2 .png image/png 173 156 29.16 **medium\_infografia-herramientas-ventas-img-es.png** medium\_infografia\_herramientas\_ventas\_img\_es\_ac1ade79b2 .png image/png 750 678 232.92 **small\_infografia-herramientas-ventas-img-es.png** small\_infografia\_herramientas\_ventas\_img\_es\_ac1ade79b2 .png image/png 500 452 121.75 b6f399a5-6884-51da-9ccf-ed351d05a7b2 **Easy-to-implement automated and AI tools for sales teams** **infografia-herramientas-ventas-en.png** infografia\_herramientas\_ventas\_en\_82eb3b9037 .png image/png 368 local 2023-06-15T14:01:45.000Z 2023-06-15T14:01:45.000Z Infographic: Simple and easy-to-implement tools for sales teams 1800 994 **thumbnail\_infografia-herramientas-ventas-en.png** thumbnail\_infografia\_herramientas\_ventas\_en\_82eb3b9037 .png image/png 245 135 29.06 **large\_infografia-herramientas-ventas-en.png** large\_infografia\_herramientas\_ventas\_en\_82eb3b9037 .png image/png 1000 552 231.06 **medium\_infografia-herramientas-ventas-en.png** medium\_infografia\_herramientas\_ventas\_en\_82eb3b9037 .png image/png 750 414 152.43 **small\_infografia-herramientas-ventas-en.png** small\_infografia\_herramientas\_ventas\_en\_82eb3b9037 .png image/png 500 276 82.69 9406b866-dfef-5049-b318-40b75adb13b6 **RPA: Robotic Process Automation. What is it, applications and best solutions** en 2022-03-11T09:34:49.000Z 2022-03-11T08:42:34.000Z 2025-03-27T07:48:58.000Z February 6, 2023 Reading time: 4 min. 2022-02-21 **rpa-en.png** rpa\_en\_b95eef5141 .png image/png 952.85 local 2023-01-25T11:10:17.000Z 2023-02-07T19:45:53.000Z Robot & human being collaborating 2080 1080 **thumbnail\_rpa-en.png** thumbnail\_rpa\_en\_b95eef5141 .png image/png 245 127 34.2 **large\_rpa-en.png** large\_rpa\_en\_b95eef5141 .png image/png 1000 519 416.82 **medium\_rpa-en.png** medium\_rpa\_en\_b95eef5141 .png image/png 750 389 249.43 **small\_rpa-en.png** small\_rpa\_en\_b95eef5141 .png image/png 500 260 119.94 030d0789-71fa-51eb-9fdc-b80a3d6502e2 **RPA: Robotic Process Automation. What is it, applications and best solutions** **rpa-en.png** rpa\_en\_b95eef5141 .png image/png 952.85 local 2023-01-25T11:10:17.000Z 2023-02-07T19:45:53.000Z Robot & human being collaborating 2080 1080 **thumbnail\_rpa-en.png** thumbnail\_rpa\_en\_b95eef5141 .png image/png 245 127 34.2 **large\_rpa-en.png** large\_rpa\_en\_b95eef5141 .png image/png 1000 519 416.82 **medium\_rpa-en.png** medium\_rpa\_en\_b95eef5141 .png image/png 750 389 249.43 **small\_rpa-en.png** small\_rpa\_en\_b95eef5141 .png image/png 500 260 119.94 030d0789-71fa-51eb-9fdc-b80a3d6502e2 --- ### Let’s talk. Contact - Tecalis **URL:** https://www.tecalis.com/contact **Descripción:** We are looking for new technological challenges. Contact us so we can help you to carry out new technological business projects. **Sales** We’ll help you find the right solution for your business. **Partnerships** There are many ways to partner with us. Find out how. **Other** Can’t find what you need? We can help! Main Headquarters Commercial Offices Don’t forget to join us on social media Have you received a message on WhatsApp offering you a job or collaboration with Tecalis? It's a scam. Please [report](https://faq.whatsapp.com/1142481766359885/?locale=en_US&cms_platform=android&cms_id=1142481766359885&draft=false) it using the WhatsApp application itself. If you have any questions, feel free to [let us know](#). --- ### Economy **URL:** https://www.tecalis.com/blog/economy **Descripción:** Contents on how the economy evolves given the technological advances in the most demanded fields at present. Discover the best trends in the economy that are transforming the way companies, organizations and institutions understand the dynamism of our society and its activity. * What areas are making a difference and what are industries emphasizing? * What challenges does today's society face and how is technology responding? * How long will it take to see the promises of the experts fulfilled? Get detailed information on the performance of leading companies and how they have transformed their processes to become scalable and establish successful models in the markets in which they operate. --- ### User experience **URL:** https://www.tecalis.com/blog/user-experience **Descripción:** User experience is key for any business. Good UX/UI and best practices lead to high conversion rates and customer satisfaction. User Experience is one of the most important areas for any business. Fine UX/UI expertise and best practices will result in high conversion rates and customer satisfaction. Discover in this category: * How to establish customer, employee and partner flows to grow and be sustainable. * Trends in experiential process design focused on achieving objectives. * What professionals in the field are doing and which industries are leading the change. Get detailed information about the results of the most innovative techniques in user experience and transform the perception they have of you. Win leads in less time and maximize post-sales operations for continued growth. --- ### Electronic Signature **URL:** https://www.tecalis.com/blog/electronic-signature **Descripción:** Electronic signature has transformed the way in which businesses and users relate, reach agreements, contract and generate common synergies. Electronic signature has transformed the way in which businesses and users relate, reach agreements, contract and generate common synergies. The digital signature is capable of turning processes that used to take days into transactions closed in minutes.  Explore this category to discover: * Establish a comprehensive contracting and negotiation cycle thanks to the best eSignature platforms. * What are the types of electronic signature available, which is the most suitable for your business and its advantages and disadvantages. * What requirements must a signature software provider meet to be reliable and provide full legal support. eIDAS and the rest of the standards related to digital signatures have reinvented the way to reach agreements and close projects. --- ### Risk Management **URL:** https://www.tecalis.com/blog/risk-management **Descripción:** Risk Management is one of the most pressing concerns for businesses in all industries and areas of activity. The assessment, monitoring, prevention and management of risks arising from the activity of a company, organization or institution must be done from a professionalized perspective and with the support of digital tools that support their work. Operations and compliance departments are establishing criteria and designing comprehensive prevention systems to: * Be able to prevent risk before it occurs. * Comply with the highest regulatory standards of regulators in any region. * Create corporate strategies with defined policies to not only prevent but to grow. Automated compliance is freeing teams from mechanical tasks and allowing companies to expand into other markets with only minor adjustments to certain processes. --- ### Legal Framework **URL:** https://www.tecalis.com/blog/regulatory-legal-framework **Descripción:** The regulatory framework, legality and legal backing of a company's operations must be assured. Automated compliance thanks to RegTech is now possible. The regulatory framework, legality and legal backing of a company's operations must be assured. Automated compliance thanks to RegTech is now possible. New regulatory compliance systems are driving the rapid adoption of legal and technical standards required by regulatory frameworks in any region. In this category, we explore the different standards and address the adaptation of businesses and institutions to them from an opportunity perspective.  Find out more: * All the updates on new regulations and laws affecting key industries in the economy. * How to adapt your business processes and client operations to the new frameworks. * A simple and agile way to expand to other markets while complying with their legal requirements in an automated way. RegTech has arrived to turn regulatory changes into an opportunity instead of generating friction and penalties for companies. Make regulatory compliance your option to differentiate and grow. --- ### Digital Onboarding **URL:** https://www.tecalis.com/blog/digital-onboarding **Descripción:** Digital onboarding of customers, employees and businesses. Automated onboarding of new users is changing the way a competitive organization is built. Digital onboarding of customers, employees and businesses. Automated onboarding of new users is changing the way a competitive organization is built. KYC, KYB and KYE are coming together to drive companies towards their maximum growth. In this category you will find: * Know Your Business: Discover how to onboard partners, suppliers and businesses in days, including due diligence. * Know Your Customer: Register new users and collect their documentation so they can sign up for any product or service in minutes, with immediate activation. * Know Your Employee: Establish strategies to attract and retain the best talent in full-remote and face-to-face environments. The way your users interact with your organization can change in just days. Learn about the techniques and tools that are making companies more productive, effective and sustainable. --- ### RPA - Automation **URL:** https://www.tecalis.com/blog/rpa-automation **Descripción:** RPA (Robotic Process Automation) is a cutting-edge AI technology that has revolutionized productivity for all types of businesses and organizations. Process Automation with RPA is capable of enabling both IT experts and non-digitized users to make the most of an organization's possibilities. Together with BPM (Business Process Management), RPA has managed to multiply productivity to: * Optimize processes to reduce costs and time while making them simpler and more convenient. * Freeing employees from mechanical tasks to focus on more valuable ones. * Scale and diversify businesses and establish simple guidelines for cooperation with other partner organizations, customers or suppliers. Today's companies and businesses can make use of RPA (Robot Process Automation) to become more modern, agile and sustainable. Get to know all the details of this technology through the best articles. --- ### Digital Transformation **URL:** https://www.tecalis.com/blog/digital-transformation **Descripción:** Digital transformation has been underway for decades, but only now are scalable cloud platforms sparking a second digitalization of businesses. Digital Transformation has been going on for decades, but it is only now that scalable cloud platforms are triggering a second digitization in companies across all industries. Cutting-edge technological developments are capable of solving today's most pressing challenges. Find out more: * What trends await us and which players are going to take a decisive role in transforming organizations. * How IT departments should act in the current environment, facing change supported by startups. * All about key technologies: Artificial Intelligence, Machine Learning, Biometrics, platforms, big data, IoT, cloud services, SaaS, PaaS and much more. The technology projects that have led the best companies to a leadership position are not those large, expensive and complex, but implementations with tight time-to-market, agile, capable and powerful scalable models and cutting-edge tools. --- ### Identity Verification **URL:** https://www.tecalis.com/blog/identity-verification **Descripción:** Verifying user identity is critical to every business. Identity fraud is one of the most pressing challenges facing organizations across all industries. Identity verification of customers, employees, suppliers and users is critical to any business. Identity fraud is one of the most pressing challenges facing businesses in all industries, both online and offline. In this category you will find information about: * KYC, onboarding and induction processes for any user. * Biometrics standards for voice and facial recognition. * AML techniques linked to the verification of users' identity documentation. Online and digital identity verification in seconds made possible by AI and ML assisted streaming video identification. Now with active and passive reocognition and proof of life, regulatory support is complete. --- ### X-Tech EN **URL:** https://www.tecalis.com/blog/x-tech **Descripción:** X-Tech or XTech are the digitizing areas of the most relevant industries for the economy, highlighting FinTech, RegTech, InsurTech, PropTech or WealthTech. X-Tech or XTech are the digitizing areas of the most relevant industries for the economy, highlighting FinTech, RegTech, InsurTech, PropTech or WealthTech. This sector has fully impacted the economy by transforming the way of doing business. * X Tech has taken digitalization processes to the highest level, basing its proposal on the cloud. * They have democratized the tools that allow SMEs and other organizations to make a 180º turn to their proposal. * Innovative startups play a crucial role in supporting large companies in technological matters. Not to forget areas such as LegalTech, EnergyTech, FoodTech, EdTech or Edutech, InsureTech, TurTech and GovTech. Get detailed information on the ecosystems created and how to take advantage of the benefits of this area. --- ### Fraud Prevention **URL:** https://www.tecalis.com/blog/fraud-prevention **Descripción:** Fraud prevention must be approached from a professional perspective. Companies have established prevention policies to ensure their sustainability. Fraud is one of the most pressing risks for any business today. Specifically, identity fraud, impersonation and data theft account for more than 85% of attacks on both users and companies. Establishing automated anti-fraud controls is essential to: * Reduce costs and potential penalties as well as provide security to customers. * Ensure the sustainability of a business and guarantee its activity under any environment, circumstance or market. * Mitigate the impact in case it could not be avoided. However, thanks to the best trust solutions and the latest RegTech technology, zero fraud can be easily achieved by simply integrating gateways in any process and operation, both internal and external. --- ### Electronic Invoice **URL:** https://www.tecalis.com/blog/electronic-invoice-e-invoicing-digital **Descripción:** Contents, articles and analysis on electronic invoices and the new digital invoicing systems. Access all Tecalis' insights, data and analysis about electronic invoicing and digital invoice systems that make possible an agile, simple and totally compliant fiscal and accounting business management. Learn more about eInvoicing applications, software and the most recent changes. * When will electronic invoicing become mandatory? * Which free electronic invoicing applications are the best? * How to issue e-Invoices in record time and guarantee their collection? * How is electronic signature related to digital invoices? The rules regarding this standard validated by the European institutions and all EU-member governments have changed radically in the last few years. Adapt yourself in a simple and free way by understanding all the details about electronic invoice. --- ### Customer Hub News | The Tecalis Blog **URL:** https://www.tecalis.com/blog/commercial-hub **Descripción:** Tecalis Customer Hub manages all your channels, brands, and products. Increase efficiency and create an omnichannel experience. Learn more today! The Customer Hub is a platform for managing all your channels, brands and products. We show you how it helps you create an omnichannel experience that scales and optimizes by adapting to the growth of new markets, industries and business models. In this category you will find: * Front-end for agents and points of sale (face-to-face channel and call center) * Intelligent assisted sales portal (online channel) * Advanced business management center (admin panel) Find out how this tool is making companies more productive, efficient and sustainable. --- ### Sales Processes **URL:** https://www.tecalis.com/blog/sales-processes **Descripción:** Content on how sales processes integrate digital identity, automation, and security to eliminate friction and maximize conversion in today's environment. Discover the latest trends in commercial optimization that are transforming the way companies, sales managers, and organizations understand the customer lifecycle and business acquisition. * How are sovereign identity and integrated payments eliminating barriers to entry in digital contracting? * What role do predictive AI and biometrics play in shielding operations from fraud without sacrificing the user experience? * Is your organization ready to integrate automated taxation (Verifactu) and true omnichannel capabilities into its sales flows? Get detailed information on the strategies of leading companies and how they have transformed their conversion funnels to become scalable, predictable, and establish successful models in the markets in which they operate. --- ## KYC: What is Know Your Customer. In-depth analysis **URL:** https://www.tecalis.com/blog/kyc-know-your-customer **Descripción:** KYC, Know Your Customer, is related to customer acquisition. Even so, this core onboarding process applies to systems in dozens of operations. The concept of KYC - Know Your Customer - is now, more than ever, part of the common vocabulary of any company concerning **customer acquisition**. However, this term has been a reality for years, especially in **sectors such as banking and related**, although it applies to any industry. KYC provides **guarantees and a security** **framework** in organization-user relationships and is the starting point for an organization to convert a potential customer into a full-fledged one. ## **Definition of the KYC concept - Know Your Customer** **KYC** is the acronym for Know Your Customer, Conoce a Tu Cliente (sometimes also referred to as Customer **Due Diligence (CDD)**). It is a **process** by which organizations **identify and verify the identity of customers in a specific way** and according to the **regulations** that affect their sector and the nature of the operations to be performed. During the Know Your Customer process, a series of t**echnical and regulatory controls** are carried out to **prevent identity fraud**, verify that the customer is who they say they are and mitigate the risk of entering into a business relationship with individuals who engage in **money laundering, corruption, terrorist financing** and other types of illegitimate activities. Know Your Customer and Digital Onboarding - or Customer Onboarding - are terms that are often confused and intertwined with the AML (Anti-Money Laundering) concept. The **KYC process helps to comply with the requirements of [AML](https://www.tecalis.com/blog/aml-anti-money-laundering) regulations.** **Digital Onboarding** is referred to as the **s****et of phases that a user goes through to register with an organization**. Whether it is an employee joining a company or a user registering on a platform. **One of these phases is KYC**, to verify that the person is who they say they are. Similarly, the definition of **Customer Onboarding** is similar but refers only to **customer registration.** ### **Identity Verification in KYC** As we have already mentioned in the definition of the concept, one of the main objectives of Know Your Customer is to formalize a process by **verifying the identity of a subject**. [Identity verification](https://www.tecalis.com/products/identity-verification) is often confused with the term KYC. However, it is simple: Identity verification occurs within the KYC process. This is crucial, and helps us, **to completely eradicate illegitimate activities based on impersonation.** Identity verification consists of a series of steps that confirm that the subject is who they say they are. ## **The Know Your Customer process** The KYC process can be performed through **different methods and according to different standards** depending on **three factors**: the **security** needs, the **risk** involved in the subsequent operation, and the **resources** you wish to invest in to provide a specific type of **experience** to the user who performs it. ### **Standards and methods for KYC** * **Face-to-face identification**: This is the **traditional** KYC process. In a commercial office, store, or **establishment**, a **qualified agent** identifies a person by performing all the steps of the KYC process himself. It is a process - for example - like the one carried out at airports.  * **Asynchronous identification**: Also known as **unattended** video identification, it allows the KYC process to be carried out in a fully **automated**, digital, and **remote** manner. Through a **streaming video** transmission and recording, the different phases of the process take place simply on a device without the intervention of another person, **only the user and the platform that guides him through each step** (narrator and interface). **Subsequently**, a **human agent** trained for this purpose follows the established protocol of verification of the video and the data provided in the background. This agent can be part of the KYC process provider, the customer, or a tertiary partner. It has the same legal value as face-to-face. It is the most agile for the user, the most secure, efficient, and fast for the company, and the most compliant. * **Fully automated identification**: The only difference with the previous method is that **it does not require review by a human agent**. **AI and machine learning techniques and controls** work to perform accurate and error-free checks to corroborate identity and cross-reference data. * **Synchronous videoconferencing**: This standard identifies people remotely in a guided manner. Also known as **attended or assisted** identification, the process is performed **remotely** but **continuously assisted by a human agent** through a recorded video call, who tells the user what to do and explains what data will be extracted in an automated way. * **Identification through static images**: Popularly known as "through selfie", it obtains evidence **through photographs instead of videos**. Unlike the rest, **it is not suitable for high-risk processes**, although it is the most suitable for many use cases. ### **Phases of the KYC process** It can often seem confusing to establish where and at what point in the onboarding process KYC begins and finishes. Broadly speaking, **KYC is considered to occur at the points where data is obtained and checks are performed to verify the identity of the customer and confirm that they are who they say they are.** As we have seen, the different methods of performing KYC will be chosen based on the needs and nature of three factors: the **nature of the business**, the **operations to be performed** subsequent to digital onboarding, and the **regulatory security** required by them. Despite minor differences in the methods, taking the asynchronous identification standard as an example, the **phases of the KYC process** generally run as follows: 1. **Step 1. Data extraction**: The data provided by the user when wanting to join as a customer or user of an organization is recorded and will be used to be corroborated and cross-checked with the evidence provided in the following steps. 2. **Step 2. Verification of identity documents**: **The front and back of the identity document** are displayed. In an automated way, **the data on it is extracted** and very specific security checks are performed such as - for example -checking the concordance between the front and back, the materials and integrity of the document, verification of the hologram, possible alterations, etc. 3. **Step 3. Face verification**: The user looks at the camera and shows his face, making some gestures such as smiling or moving his head from one side to the other to avoid identity fraud. A cross-check is made between the face obtained in this step with the one present in the identity document and a unique and mathematical facial biometric pattern of the person is created, in order to subsequently perform authentication processes once he/she is a customer. 4. **Step 4. Subsequent verification**: Programmatically, through an API or the interface provided by the supplier, the completed process is sent to the verification queue. In an automated way, the process will have already been validated or not, in parts, by the system (AI and machine learning), only requiring a second "ok" by a human. It is very important to keep in mind that **not all KYC service providers are able to offer all these steps and controls**, especially those sensitive checks such as those that occur in **steps 2 and 3**. The difference between having a simple Know Your Customer solution or an advanced one means being able to operate in the market or not. ## **Its relationship with the financial industry** **The banking, financial, and related industries must set very exhaustive controls when onboarding new clients. Risk management and fraud prevention are crucial for these institutions and companies, as they are often the target of fraudulent practices.** Public authorities have legislated to make the industry safe and committed to acquiring customers in a way that complies with these standards. **KYC** in the financial sector is a **mandatory** imperative. The regulations and compliance standards that affect the area **determine in a very concrete way how to proceed** - for example - to be able to **open a bank account online.** Thanks to KYC, a person can open an account, **invest, manage their insurance or perform any type of financial management from any digital device with a camera** and internet connection. This can be done from anywhere in the world and at any time of the day. Likewise, for physical offices, digitizing the process means turning a process that on average took 3 weeks into one that does not exceed 3 minutes, with total safety and without errors.  Additionally, if the KYC service subsequently offers user [**authentication**](https://www.tecalis.com/products/authentication) for access to platforms, agility and productivity will be multiplied exponentially for both organizations and users. ### **Requested data** Leaving aside the obligation of KYC identity verification and its steps to combat **money laundering and terrorist financing**, as well as establishing a secure framework in which customers and users of FinTech companies and traditional banking can operate, in the onboarding process, before Know Your Customer, companies must **require a series of data.** This data must be handled according to current regulations, with privacy and IT security techniques that guarantee its safekeeping. The **data most frequently requested** by banks, insurance companies, FinTech or WealthTech, or similar industries are: * Identity document. * Profession and work activities * Name of the employing company, type of contract, estimated annual income, or payroll. * Information about the person's residence, type of contract, estimated annual income, or payroll. * Details about the person's residence, address, and tax situation. * Why do they want to open the account? * Information about possible money transfers to foreign accounts. * Estimation of the type of usual operations to be carried out. * Information about taxation abroad or receipt of an inheritance. ## **KYC Crypto requirements** Nowadays, **most countries are regulating the cryptocurrency sector through KYC processes** to ensure that the purchase and sale of **digital currencies are carried out safely** and always in compliance with current regulations. In Europe, **the [update of the European directive (AML5)](https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32018L0843&from=ES)** \- which took place in 2018 and establishes user verification processes as a basis for ensuring security - **led to this transformation in the world of virtual currencies**. Since then, **crypto companies** are pushed to **integrate identity verification processes, obeying very specific measures** and following the steps, as happens in traditional banking. In this way, the customer must **provide a legal identity document** confirming that the person behind the screen corresponds to the person on the document. Also**,** companies must **verify that the user is not on a list of people involved in money laundering contacts.** Additionally, the creation of **a single digital space for the identification of customers** with all the **data of the users** of those who register in these services was notified. That data will become public and **cross-referenced with records from other European Union countries**. Leading platforms such as Binance have recently incorporated **KYC processes** for their operations as both blockchain and cryptocurrency companies - and those who make use of cryptocurrencies - are required to operate according to these legal standards **to prevent fraud and money laundering** offences. ## **KYC regulatory framework** The Know Your Customer process is **r****egulated and has been set in order to establish estandardization**. Unlike solutions based on selfies or static images, KYC is valid for any type of transaction thanks to all the electronic evidence provided in it. The regulations in this area state that the most **acceptable and secure methods are asynchronous video identification and automated identification with all the controls required by law.** ### **The relation between KYC, AML, and eIDAS** **KYC and AML** (Anti-Money Laundering) go hand in hand. AML5 is the most up-to-date European standard relating to the prevention of money laundering and defines how a client's onboarding should be to prevent illegitimate activities. **One of the main ways of committing fraud related to this illegal practice is through identity fraud.** This is where we see the KYC and AML concepts related. Regarding **[eIDAS](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), the European electronic identity recognition system**, it sets all the requirements regarding the creation and use of digital identities, so **identity verification in the Know Your Customer process must be carried out taking into account its technical standards.** ### **Regulations required to operate** While complying with AML5 and eIDAS - the pioneer and reference regulations for KYC worldwide -  ensures compliance with practically any regulation in the world regarding user verification and onboarding of new customers, also local regulations must be taken into account in order to operate in the markets. For example, in **France**, it is important to comply with the rules set by **ANSSI and ACPR**, in **Mexico** with the **Law of Financial Technology** and Credit **Institutions** of the **CNBV** and the **FATF/GAFI Recommendations** at a **global** level. In many cases, it is the central **banks** of each country that set the standards and it is necessary to review the recommendations and rules they set. In any case, it is always important **to have an expert RegTech partner** to help **assess the regulatory framework of the region and sector** in which you are working so that you can establish appropriate processes in operations and ensure that the company is in the market according to the laws and safely. To have a **Trust Services Provider** is necessary to validate the impartiality in the process and ensure the correct treatment and custody of the data collected, as well as the IT security and traceability technically required. Moreover, lately, and for many sectors, it is mandatory to have more than one supplier in order to operate. ## **How to implement a KYC process in customer relationship systems** Know Your Customer controls must be **integrated into the digital and onsite onboarding** and authentication processes of companies. This integration and subsequent implementation should take into account the **needs and characteristics** of the company, its processes, and **systems**, and the way it operates. Companies may only need to **integrate the KYC process into an onboarding process** **that is already** polished and working properly. Therefore, the solution must be **optimized to integrate into already built processes** without damaging them or creating friction. On the contrary, some companies take advantage of the integration of KYC into their business to completely **transform their processes or create new ones that were previously not possible without KYC**. In this case, it is important that the Know Your Customer provider has **experience in business model operations (BPM) and digital transformation.** KYC service providers should not merely facilitate controls but should act as a partner to their customers, **exploring their needs and providing expert advice on integration to find the best solution**, both in terms of reinventing, transforming, or modifying the process and the way in which it is carried out (types of KYC methods). There are two options for KYC management**: connecting systems via APIs or providing customers** with a polished and optimized **management platform**. To check that a KYC partner provides both options is to ensure its expertise and quality. The accompaniment in the integration process must be comprehensive. ## **Implications, advantages, and possibilities when integrating a KYC process** KYC, far from being a headache for **companies and clients**, has represented a total **transformation in the way they relate to each other**, improving **agility** and **making possible activities** that were not feasible before. Onboarding processes have been digitized and have minimized all possible frictions and difficulties for users to access remote contracting and use of products and services. Not only in the financial sector, but **in any industry.** Trust and the creation of a secure framework have boosted many areas of activity and enable the creation of **new products and services. Companies can grow at no additional cost and expand into other markets and regions by simply including 4 simple steps in their customer onboarding processes.** By the same token, digitizing these processes has **drastically reduced time** and shifted employees from bureaucratic and tedious work to attend more complex tasks and provide better support to customers. Productivity has been boosted and costs reduced. Likewise, improving the User Experience and User Interface care process has **minimized abandonment in the registration process and boosted sales in all channels, onsite and online.** **Scaling** your business, complying with **regulations**, giving the customer a **security framework, trust,** and **offering new products and services** is now possible thanks to KYC (Know Your Customer). --- ## AML Controls: Requirements, Regulations and Systems **URL:** https://www.tecalis.com/blog/aml-anti-money-laundering **Descripción:** AML and anti-money laundering controls, checks and procedures ensure compliance with banking, financial, insurance and related sectors' regulations. **AML controls and procedures** are put in place so that companies can **operate in the marketplace under the relevant regulatory standards**. This is especially notable, and of great importance, in the **banking and financial sectors**. Today's **regulatory environment is constantly changing** and it is important that both major financial institutions and **any players in this sector and related** industries are aware of the restrictions that may arise from **potential penalties** for malpractice in their processes and systems. ## **Regulatory Compliance** Many companies lack **sufficiently mature policies and processes**, and the **technology** to implement them, and are unable to meet Anti-Money Laundering requirements. While compliance is already a reality in many companies, not all comply with the specific sets of procedures and best practices that must be implemented to identify and classify **legal and operational risks**, being money laundering one of the main ones. ## **What is AML (Anti-Money Laundering)?** **AML** is the acronym for **Anti-Money Laundering**. This term is commonly used in the areas related to finance and regulatory compliance to define the standardized **processes that companies in these sectors use to prevent their customers, when using their products and services, from laundering money.**  **Identifying suspicious behaviour** is crucial to mitigate the risk of it becoming an illegitimate activity. **Establishing concrete AML policies and controls will prevent potential offenders** from ever committing a money laundering-related crime.  While this is **important in all areas**, in the **online or remote** environment it is of particular importance, as this is the place **where companies are most exposed** to this type of risk. This has not gone unnoticed by the public authorities, who have regulated accordingly, establishing very specific AML praxis for this scenario. Concealing the illicit origin of income is, due to identity fraud, a practice that occurs on more occasions than we imagine. Thus, AML has a great ally, the KYC process, as an essential control in any money laundering prevention strategy. ## **KYC, Due Diligence,  and other related concepts** AML (Anti Money Laundering), as a concept, is closely related to others that support it or are a fundamental part of the controls carried out: ### **KYC (Know Your Customer)** The main way for criminals to launder money is through **identity fraud**. KYC and AML, together, came to solve this problem. The **[KYC (](https://www.tecalis.com/blog/kyc-know-your-customer)**[**Know Your Customer**](https://www.tecalis.com/blog/kyc-know-your-customer)[)](https://www.tecalis.com/blog/kyc-know-your-customer) process consists of **a series of steps to verify a customer's identity.** Corroborating that a person who wishes to open a bank account, take out insurance or make investments **is who he/she says he/she is**, and establishing an exhaustive process to verify their identity before allowing the customer to operate, is **the AML control par excellence** and the one alluded to in all AML **regulations**. **Identity verification makes it possible, today, to open a bank account in minutes instead of days or weeks if the proper standards are met.** ### **Due Diligence** Due Diligence, or Due Diligence, is the concept used to refer to the **set of investigations that are carried out on a natural or legal person before entering into a contractual relationship or carrying out any type of joint operation.** Although it is a term generally used to refer to a company's purchasing process, it is also used to work with suppliers. **It is closely related to KYB (Know Your Business).** Similarly, and now fully related to AML and KYC, when the term is used as **CDD (Client Due Diligence)** it does act as a synonym for KYC and AML controls. As part of AML controls, the **background check** is one of the most common practices within all controls to prevent money laundering and is often associated with CDD. ## **How to carry out AML (Anti Money Laundering) checks** In general, businesses and institutions that are subject to AML regulations and must establish procedures to comply with them have **two options available to them for carrying out checks and verifications**: * **In-house**: businesses can opt to set up teams that go to **official listings** to perform, for example, background checks, although this **is not very productive.** Regarding identity verification, **it is costly and takes years of development to create polished tools that work properly and meet the technical standards required by regulation**. For these reasons, the number of financial institutions and FinTech companies developing in-house AML tools of their own is testimonial, and with not very encouraging results. * **By a Trust Services Provider**: On the other hand, companies can turn to third parties to establish AML policies, strategies, and techniques. These providers often have technology and tools developed specifically to be implemented in the processes and systems of the organizations that need them and are, for example, able t**o obtain automated AML scores from users in seconds**. In addition, some vendors not only provide tools to perform AML checks but are also able to detect other risks in addition to optimizing all company processes. ## **RegTech's contribution to Anti-Money Laundering** RegTech, Regulation Technology, is the **union between cutting-edge technological solutions for the digitization of processes and compliance with the legal and regulatory framework** by businesses and organizations. Technology has been able to completely eliminate the bureaucracy of having to carry out complex **controls to comply with the laws that affect the activity** of companies and the frictions that these cause in the processes and operations. ## **Automated AML systems** [Process automation has come to AML in full force](https://www.tecalis.com/products/anti-fraud-controls), both to eliminate mechanical and bureaucratic tasks and to create new ways of performing previously unthinkable AML controls. Here are just a few examples out of hundreds that could be cited: * **IT security**: cybersecurity is another key point to work on when establishing AML policies. Processes must be secure and encrypted so that those attempting to launder money cannot find loopholes through which to circumvent controls. * **Document verification**: Automated verification of documentation, and its digitized processing, including identity documents has completely changed one of the most tedious procedures within money laundering prevention. * **Digital onboarding**: The onboarding process in banking, finance, and related fields is the crucial moment in preventing fraud, especially online. Automated identity verification solutions based on artificial intelligence and machine learning turn this complex process from weeks to minutes if they meet the standards defined by regulation. * **AML scoring**: Automating the management of AML per customer, in an individualized, segmented, and cross-referenced way would be impractical if it were not for the RegTech solutions developed for this purpose.  Digitizing the fraud prevention strategy and anti-money laundering controls is, today, an imperative that the financial sector is aware of. As a result, and thanks to the rise of RegTech and Fintech, **the sector can grow while offering the best frictionless experience to its customers.** ## **A tour of the most relevant AML regulations** ### **AML4, AML5 and AML6** AML4 (or **4AMLD, Fourth Anti-Money Laundering Directive**), passed in 2015, started the way by establishing **very concrete assessment guidelines for risks** in the legal, banking, financial and related industries, addressing guidelines for conducting AML processes internationally. In other words, thanks to AML4 **a company from one particular country can operate in another if it complies with the relevant standards.** However, it was not until **AML5** came into force (2018), and with effective enforcement from 2020, that a single space was created, together with [**eIDAS (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) in which companies can operate securely, confidently and fully digitally and remotely. These standards regulate **identity verification and the onboarding process in many sectors, with very specific technical standards** that must be met. **AML5, or 5AMLD**, introduces the **obligation of secure and certified identification of account holders** in companies in the financial, banking, insurance, investment and related sectors. Thus, it expands the subjects obliged to comply with AML and incorporates **e-wallet services, art dealers or cryptocurrency trading** platforms. Not adapting to AML was no longer an option. Just a few months later, at the end of October 2018, AML6 was approved, an update to the AML rules contained in 5AMLD and to which companies must have adapted by June 3, 2021. Otherwise, they are at serious risk of being sanctioned and is that one of the major introductions of the new **AML6 directive focuses on the corporate responsibility of companies**.  This latest amendment makes legal entities liable for the possible "lack of supervision or control" since they are in a leading position. Because of this, companies must have a decided AML strategy and their own **tools in place to execute it in order to operate in the market safely**. In all states, the laws clearly indicate how to proceed and what controls must be in place regarding AML. **[Adapt to AML with Tecalis in a simple, agile and accessible way](https://www.tecalis.com/products/anti-fraud-controls).** In any case, Anti-Money Laundering regulations should not be seen as a blockage or difficulty, but as an **opportunity**. Thanks, for example, to AML6, **any company can offer its products and services without additional investment to 508 million consumers in an agile and secure way**. The standardization of customer onboarding is driving the **growth of hundreds of businesses and facilitating their expansion into other markets where they would otherwise not have been able to operate**. ### **Other regulations** Leaving aside laws that affect several countries (such as the views that affect the entire European Union)**, each state regulates on its own by creating laws for the prevention of money laundering and terrorist financing**. In EU member states, these laws are linked to AML5, although some even legislate further.  Leaving aside the European continent, as we have been saying, **each country has its own laws in this area and it is usually the central banks that set the guidelines to be followed**. It is important to have **a RegTech partner to advise the legal and compliance departments** of companies on **how to comply with AML regulations in the country in which the business operates and establish processes to adapt to them.** --- ## What is the eIDAS Regulation? **URL:** https://www.tecalis.com/blog/eidas-electronic-identification-trust-services **Descripción:** eIDAS is the regulatory and technical standard that enables trusted and secure electronic transactions within the EU and references for other markets. **eIDAS** has completely transformed the way **users and companies interact**, not only in Europe but **all over the world**. This regulatory and technical standard enables **electronic transactions** to be carried out with complete trust and security within the **European single market.** The rest of the regions take Europe as a reference for their digital identity standards in order to establish their legal frameworks concerning electronic activities and transactions. ## **What is eIDAS?** eIDAS, electronic IDentification, Authentication, and trust Services, and, officially, European [**Union Regulation 910/2014**](https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32014R0910&from=EN), is the regulation establishing a European **electronic identity** recognition system. It was approved by the European Parliament and the Council on July 23, 2014, and is in force in all the European Union countries. This set of rules **repeals Directive 1999/93/EC**, which was the pioneer in the standardization and normativization of **electronic signatures**. This first regulation gave full **l****egal validity to electronic signatures** and equated their recognition to traditional handwritten signatures. However, each EU member state implemented and interpreted the standard in different ways. **eIDAS** came into force on **July 1, 2016,** as a regulation - not as a directive - and had to be **implemented directly in the member states**. It creates then - for the very first time - a secure and concrete space for the performance of electronic signatures and the provision of trust services. ## **electronic IDentification, Authentication, and trust Services establishing a single legal framework** The new standard not only regulates everything related to electronic signatures and extends it concerning its predecessor but also specifies the following aspects and their development: * **Timestamps.** * **Electronic documentation** and its technical features. * Certified communications through e-mail and other equivalent mean **registered with proof of delivery.** * **Certificates for secure authentication.** With these delimitations and specifications, a new world of possibilities was created to operate with absolute security through digital services and channels of all kinds, as long as the characteristics detailed in the regulation were complied with. Accordingly, the **eIDAS Regulation** establishes the **specific conditions for the means of identification of both natural and legal persons to be valid**, expands the legal framework related to electronic signatures and associated evidence, and at the same time allows new types of transactions and operations remotely. Finally, a regime is created and developed in which new actors appear. These people will act as **supervisors and suppliers to ensure the necessary level of security so that electronic services can be provided.** ## **What are electronic trust services?** **eIDAS implementation** and development led to the birth of the **TSP (Trust Services Provider)** concept. These agents act as **issuers and keepers of digital certificates** that enable the creation of **electronic signatures** as well **as the authentication of signatories** and the **confirmation of the websites** on which transactions are executed. Trust service providers are responsible for **guaranteeing the integrity** of the electronic signature process and the provision of Internet services, including - as mentioned above - user authentication and certificate issuance.  Likewise, these actors safeguard the information for a specific period of time **to guarantee the non-repudiation of the transaction or operation**: an electronic evidence service is offered, end-to-end **encryption**, and proof of **data origin**, as it is **traceability** for each phase of the process. ## **How to take advantage of eIDAS: Benefits, advantages, and possibilities for companies** Beyond the **mandatory requirement to comply with eIDAS in order to operate** in the affected markets, the adaptation to the standard brings with it several benefits, advantages, and possibilities that will boost organizations. The implementation and use of trust services regulated by eIDAS occur in **processes and operations that are crucial for business**. They completely change user-organization relationships, **streamlining and securing** them. Now, companies can **create new services and transform their business models** to offer the ones they have been working on within a completely **digitalized and remote way.** The **savings in materials** are significant in specific organizations. It dispenses with the need for physical storage space for the documentation, **eliminates the risk of losing** valid original documentation, and meets the **objectives in terms of sustainability** and CSR (environmental impact). Furthermore, the European regulatory framework allows **any company that adapts to eIDAS to operate in all EU countries** without complication or the need for large investments since it can **offer its products and services remotely** thanks to the eIDAS regulation.  Implementing processes adapted to eIDAS implies an **exponential increase in productivity,** saving time in all operations (from weeks to minutes) and employees' **working hours**, reducing administrative bureaucracy.  Additionally, the resulting digitization of processes will imply the **reduction of frictions** in the relationships with **customers, suppliers, users, and collaborators** in such a way that they are given **the best experience, avoiding abandonment in the middle of the processes** by optimizing conversion. ## **Electronic contracting, signature, communication, and transactions** There are multiple use cases in which eIDAS can be applied. Not only does it improve security, trust, and agility in the **processes we already know**, but it also **opens a new world of possibilities** for **organizations and companies** to provide their services.  Here are a few **examples**, among the hundreds that exist, of affected processes: * [**Certified communications**](https://www.tecalis.com/products/certified-communication) such as, for example, service registrations or cancellations, modifications in tariff changes, etc. * Any electronic **transaction and operation in the banking or financial sector, FinTechs, insurance companies**, crypto-exchanges, or similar platforms. * **Contracting**, commercial agreements, subscriptions, commitments, etc. * **Acceptance of conditions**, signing of informed consents. * The signing of **labor contracts**, work schedules, dismissals. * Delivery of materials, **purchases**, spare parts. These are some processes that have been completely transformed and that thanks to eIDAS and the solutions provided by Trust Services Providers **no longer involve bureaucracy, obstacles, bureaucratic processes, or blockages in organizations, being carried out in an agile, fast, and inexpensive way.** ## **Electronic Signature: types established in eIDAS** Directive 1999/93/EC already regulated the [electronic signature](https://www.tecalis.com/products/electronic-signature), but it was not until eIDAS came into force that it took off, became legally official in all the states of the union, and was implemented as a standard for all types of processes that include a signature, such as contracting, acceptance of conditions or the registration of users and their associated procedures. The three types of electronic signatures included in the regulation are: * **Simple Electronic Signature (SES)**: This is the most simple electronic signature. Data in electronic format must be logos attached to the document so that the signatory can accept the contents therein.  * **Advanced Electronic Signature(AES)**: This is the most versatile, widely used, and extended signature. Its creation must be done once having used data that the signer can use and that are under his exclusive use and control. For more legitimacy, the signature of the documentation must be unequivocally linked to the signer and allow its identification. It also must be sealed and linked to the data in such a way that if the document is altered or any minimum change is made, it will be registered. * **Qualified Electronic Signature (QES)**: Also known as the one based on a recognized certificate. It is used for transactions with public organizations. It contains all the specifications of the advanced one and differs from it in that it is issued by a certification authority and is created by a qualified device. ### **Why is eIDAS electronic seal important in regulations?** **Electronic seals** are used to **confirm the authenticity of documents** produced in digital environments, **guaranteeing the origin and integrity of the data**, in addition to certifying a record. As with electronic signatures, there are three types of **electronic seals** established by **eIDAS**: simple, advanced, and qualified. The purpose of all three is again to ensure **transparency and security** in this type of operation. The importance of the **qualified seals** is emphasized by the fact that it is **aimed at companies**, allowing them **to create a signature to be validated by public administrations throughout Europe**. It also allows to carry out **transactions** within the **European internal market** with full legal validity thanks to an independent type of **eIDAS qualified certificate for** **electronic seals** under **PSD2** regulation. ## **Other standards linked to eIDAS** eIDAS establishes the necessary regulatory framework to offer trustworthy electronic services. However, a series of additional standards complement the regulation so that companies can operate on the Internet with total security, guarantees, and in the way that their business models need: ### **AML5 (Anti-Money Laundering)** **AML5**, or 5AMLD, is the fifth anti-money laundering directive. It standardizes the way in which companies - for example - in the banking and finance sector, **can offer remote services**. Thanks to AML5, **digital onboarding or bank account opening can be performed entirely remotely** if the requirements and processes established therein are met (KYC process). ### **KYC (Know Your Customer)** Although it is not a regulatory standard, [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer) corresponds to the process of [**verifying the identity**](https://www.tecalis.com/products/identity-verification) of a subject who is not yet a customer to become one with guarantees and security.  For example, **Tecalis** includes the **KYC process** prior to the electronic signature to ensure that the person signing the document is who they say they are, **giving the signature the greatest possible validity** and making it legally and legitimately comparable to a face-to-face process. ### **PSD2 (Payments Services Directive)** eIDAS and **PSD2** are closely linked since to comply with the requirements outlined in the latter **it is necessary to have digital certificates based on eIDAS**. These certificates make it possible to identify PSPs and banks, validate their functions and seal communications, transactions, or data. The **NTS (Regulatory Technical Standards) set in PSD2** establish that Trust Service Providers are in charge of issuing eIDAS certificates for financial transactions. **Adapt to PSD2 with security and the support of an expert.** ### **SCA (Strong Customer Authentication)** SCA is one of the requirements of PSD2. It corresponds to a series of specific standards that must be met related to authentication. A minimum of **2-factor authentication** is required for online shopping or at any time banking data is entered. [**Learn more about Tecalis authentication services here.**](https://www.tecalis.com/products/authentication) ## **The future of Regulation 910/2014** Regulation 910/2014 turned 7 years old on July 23, 2021, and despite being updated and working properly, on May 6 of this same year **Order ETD/465/2021** was approved, which standardizes the forms of **remote identification via video for issuing qualified electronic certificates** (closely linked to the KYC process). Following this fact, the inclusion of the Order within the eIDAS Regulation is being considered, which would lead to a **modification** of it in order to establish an even broader legal framework for the **European Digital Identity**. This proposal, still under study by the Commission, is not definitive and is based on objectives such as the one that by 2030 the 80% of the European population should have their own personal electronic identification. This same proposal to update eIDAS (colloquially known as "[**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2)") would also **expand the catalogue of trust services** to include electronic documentation archiving, attestation of attributes, or the creation of electronic ledgers. Given this situation and seeing that the industry has responded very favourably to this proposal - which would only create value for citizens and users as well as for the public administration and companies **by improving the current security and privacy environment** - companies **must have expert RegTech partners** who are previously prepared so that their electronic signature and digital operations solutions **can easily adapt to the new regulatory changes and take advantage of their opportunities**. ### **eIDAS countries**  Although this is a European legal framework, any company - no matter the country - can operate under this regulation worldwide. Being compliant with eIDAS means that your **digital identity processes and needs** will be **covered worldwide** as this regulation is the **most comprehensive one** in the area. **eIDAS countries** benefit from this regulation, but **any company in the world can also use it to grow and expand.** These are the **countries** where **eIDAS fully and officially applies**: Lithuania, Germany, Finland, Estonia, Holland, Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, and Spain. ## **Adapt to eIDAS with Tecalis** **Tecalis**, as a consolidated **RegTech** partner, accompanies its customers with solutions 100% adapted to eIDAS as well as its future modifications. As a Trust Services Provider, we **secure and digitize any operation or activity** regardless of the industry to which the company belongs. Thanks to eIDAS, Tecalis has made dozens of businesses **take off** and has boosted **productivity and savings** in hundreds while transforming organizations in order to make them more **secure, efficient, and scalable**. **Expanding business reach, multiplying deal closures, and reducing late-stage churn** is now possible and achievable for any organization. --- ## Customer journey through 360 solutions: KYC and eSignature **URL:** https://www.tecalis.com/blog/customer-journey-360-solutions **Descripción:** Customer Journey is the path with a series of processes and operations that a user or potential customer performs to be registered. Customer Journey is the term we use to refer to the journey or path that **a user or potential customer takes** from the **first contact** with a company or organization until they become **a loyal customer**. In many cases, the customer journey **never ends if the customer is actively retained**, and in others, it ends after a certain time. Although this term has been used for many years by professionals in all areas of business - especially in **operations, marketing and sales** - it has re-emerged thanks to **innovation and the need for reinvention that it is currently experiencing**. ## **How to cope with new customer demands** Along this path, the customer goes through **different phases and processes** that make up the experience they get when **interacting with our business or platform**. This is crucial today, as the customer profile is different from what it was just a few years ago. Now, we mostly have a **more digital and much more demanding** consumer. And this last point, the demand, is shaking the foundations of large companies with very static and established processes.  **Except for** home care, hygiene, food, and drink, **all other sectors have been negatively affected by the advent of the** current health **situation. That is why**, now more than ever, **businesses must modify their operations to adapt to the demands of customers**: ### **Omni-channel solutions** Here and now. The new customer demands **transversality and to be able to access products and services - and their contracting - anywhere and at any time, from any device** and in a variety of ways.  A common phenomenon **during the** customer **onboarding phase of** the customer journey is that of churning in the middle of the process. **Increasing retention rates by 5%** have shown an increased **profit of 25% to 95%** while **attracting a new customer costs five times more than keeping an** existing one**.** Providing reminders and allowing the **user to continue the process where they left off on any device is essential**. This omnichannel way of understanding the customer journey must also be applied to the way of **understanding the internal processes within business operations**; they are intertwined elements: many businesses often have **several technology providers and systems for the different stages of the customer journey, resulting in two important detriments**: On the one hand, the **organization** is not very **productive**, having **high costs in terms** of **customer relations, hindering processes, and generating risks and problems**. And, on the side of the **potential customer**, we can see how users are "confused" guiding them to **different platforms** or **getting different experiences at different stages** of the customer journey by having to perform different processes with different solutions, something that causes a poor brand image and also **triggers churn rates** in the middle of the process. ### **User-centric digital experience** In any of these cases - and taking the previous example as a reference - the customer journey should be giving the user a **friendly, agile, and comfortable experience for them to never leave the process**.  Designing the various processes and operations required when onboarding and registering a customer in such a way that it is a **simple, secure, and visually appealing** experience is critical to avoiding churn.  This might seem obvious but it is not when we evaluate the customer journey of most businesses, including large companies. A **polished experience with impeccable UX/UI design** that drives retention and conversion is not so common, but it is within the reach of those who rely on customer journey experts. ## **Customer acquisition and retention** The acquisition process is a complex stage that companies must make simple. **Customer registration is the starting point of the customer journey**. It is the key moment where a potential customer will decide whether or not to become a loyal customer.  After that, retaining the customer is hard work that sets one of its pillars on the experience they obtain by continuing to operate with our company and making use of its products and services. Here's **how a customer journey should run to** be effective, agile, and focused on acquisition and retention: ## **Creating a Customer Journey that is tailored to you and your customers: making the difference.**  **Value creation** for our customers is not only and exclusively based on the characteristics, functioning, and nature of the products and services. As we have been stating before, the new consumer is different, and now **enjoys and wants to feel comfortable interacting with brands and businesses**. Now, more than ever, it is important to make the **onboarding experience and subsequent customer relationships unique** and mutually beneficial. After the reshaping produced by innovation and the transformation of the customer journey of the best companies in recent years, we can glimpse a new and optimized way of understanding it: ### **1\. Registration and KYC Identity Verification** The first step in any customer journey is **user registration**. **Verifying that customers are who they say they are** is not only beneficial but **mandatory** in many industries. This process together with the registration of the data and its treatment is the first and decisive step in the journey. This phase of the customer journey is commonly known as **[Know Your Customer](https://www.tecalis.com/blog/kyc-know-your-customer)** and consists of a process that runs through a series of **specific controls** to **verify the identity** of customers. It must be agile, simple, secure, and frictionless while being adapted to the regulatory requirements of the market in which it operates. [**Identity verification services**](https://www.tecalis.com/products/identity-verification) **providers** put artificial intelligence and machine learning at the service of the customer journey to develop an instant and infallible KYC process experience that **- thanks to recently approved regulations** - can **shorten customer onboarding processes from weeks to minutes** with no impact for the user. ### **2\. Contracting and Electronic Signature** In the case of services, the contracting process follows the customer registration process. **Closing the deal in a simple, comfortable way that delivers security and trust** is essential to avoid losing the customer in this second phase of the journey. [**Electronic signature**](https://www.tecalis.com/products/electronic-signature) comes into play at this point and the **platform** with which it is carried out will determine whether or not the user finally decides to contract the product or service. Having a suitable **e-signature provider and solution** is the key to **closing new deals**. In terms of products, it is important to have the support of a payment solution based on **PSD2** and with the right robustness to support the process. ### **3\. Process automation and documentation with RPA** Not everything in the customer journey is by and for the customer. Our business must also have a **first-class operational efficiency** to be **productive** and **reduce acquisition costs to a minimum**.  Relying on automation solutions such as [**RPA systems**](https://www.tecalis.com/products/rpa-automation) and working on the **BPM** of our business are the guarantee for **sustainable growth**. There are many options on the market but we must take into account that the chosen RPA software is usable by any component of our organization, without having to overly impact the IT departments to **automate flows and manage not only the customer journey but the entire back-office operations behind it**. ### **4\. Fast and Secure Access with Biometric Authentication** Once the customer has been acquired we continue with the term we have already discussed in previous paragraphs: **retention**. Giving our customers secure, agile, and easy access to our platforms is necessary to achieve good retention rates. They will enjoy accessing **their contracted products and services with the assurance** that their **accounts and credentials are secure and the** organization will comply with industry regulatory requirements. [**Biometric authentication**](https://www.tecalis.com/products/authentication) **and multi-factor strategies** are currently playing a decisive role, proving to be a perfect solution to counteract the old-fashioned and less secure traditional passwords. ### **5\. Customer Notification with Certified Communication** The relationship with the client does not end there, and it is essential to take care of the **communications** we make to them. From the beginning to the end, the company must communicate with the client in a **sealed, official, transparent and secure** way, with a **backup** of these contacts that is available to both parties.  The use of fax is outdated, expensive and customers no longer understand its peculiarities. The electronic transposition of this, the [**electronic fax** or **digital certified communication**](https://www.tecalis.com/products/certified-communication), is just as secure, has the **same legal backing,** and can reach customers through **any imaginable channel with full traceability** and evidentiary effectiveness at the highest level.  Beyond communication, any relationship between the customer and the company must be **recorded and sealed**. **Blockchain** and **end-to-end standards** respond to this challenge with an **efficient, secure, and proven** solution. As we have been pointing out, this process must be **seamless and frictionless**. Companies should **bet on a 360 integrated model** in which **each and every one of the phases of the customer journey is carried out under the same experience and technology**. It is the winning formula to **reduce costs, be productive and efficient,** and be able to **scale your business while** offering the best experience to your customers and users. ## **Regulatory compliance in all operations and processes** We could say that the last step of the customer journey is invisible to customers: it is the subsequent issue of the company's relationship with them and also the **internal corporate finding derived from the company's activity**.  We previously discoursed the automation of tasks associated with the customer journey and the operation of each and every one of the departments that make an organization work. Concerning this, each and every one of the operations of a business must be audited to meet **the requirements set by the legislative standards of each sector, area, and market**. ### **6\. Establishing a comprehensive fraud prevention and risk management strategy** **Technology is already the main ally** of many companies' **compliance departments.** Experts in the field have been able to see opportunities where others see problems in the new regulations. **[AML](https://www.tecalis.com/blog/aml-anti-money-laundering), [KYC](https://www.tecalis.com/blog/kyc-know-your-customer), GDPR, [eIDAS](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), PSD2, SCA...** It is already possible to adapt your processes and operations in days and comply with the most demanding regulations. Despite appearing restrictive, new legislation is capable of **allowing a company to expand into other markets with little investment**, simply by having the right [**compliance and risk management technology**](https://www.tecalis.com/products/anti-fraud-controls) in place to do so and in line with its technical and legal requirements. **It is no longer even necessary to have a physical presence in a market to operate, sell and distribute products and services** with total guarantees and generate a great sense of confidence and security in customers. Studies such as the Fujitsu Image Scanner Organisational Intelligence Survey 2020 highlight that **more than a third of businesses do not yet have a clear path to digital transformation** and reshaping sustainable business processes and models. At Tecalis we have seen how those who have not been left behind and have implemented 360 technological solutions focused on acquisition, retention, and optimization in the customer journey have **multiplied their sales, and halved their costs** - with the increase in productivity that this implies - and have expanded their business at the same time that they have skyrocketed their customer satisfaction rates. Technology applied to the customer journey, to customers, and the internal processes of an organization are the present of the companies, organizations, and institutions that lead. Remember the goal is to find the critical points of interaction and convert potential customers into satisfied and loyal prescribers. --- ## eIDAS 2: Impact on Digital ID Wallets **URL:** https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2 **Descripción:** eIDAS 2 will define the new legal and technical framework for digital identity in Europe and beyond, updating the current eIDAS. You have probably heard recently about **eIDAS 2**, or eIDAS2. This new proposal will **set the regulatory and technical framework across Europe and beyond for digital identity**. **eIDAS**, approved in **2014**, is today perceived as an **international benchmark** for its proposal in relation to digital identification and the **standardization of trust services** in the online environment. This European initiative defines **how relationships take place in the digital environment and the processes and guidelines that must be followed** for them to take place securely. All European countries, and many others outside Europe, have successfully and purposefully transposed the **regulatory and technical standards of the** [**eIDAS (electronic IDentification, Authentication and trust Services) regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) into their **national laws.** At this point, we can say, without pinching our fingers, that Regulation (EU) 910/2014 has been a success.  Although eIDAS works correctly and has been a crucial step forward in terms of **identity verification, electronic signature or certified deliveries**, the **current and future situation of mobile devices and user expectations are changing and complex**. eIDAS 2, therefore, would answer these questions and others that are still on the table. ## **What is eIDAS 2?** **eIDAS 2 is the proposal to update** the current eIDAS, derived from a study by the European Commission that argues the reasons for **taking a step forward in the** adoption of digital identification of consumers and citizens.  Thus, on June 3, 2021, a [**new proposal for a European Regulation**](https://digital-strategy.ec.europa.eu/en/library/trusted-and-secure-european-e-id-regulation) was published with the aim of amending eIDAS to establish a method whereby **everyone can obtain a recognized digital identity in an even simpler way**.  The proposal sets a target of **2030 for at least 80% of citizens to have an identification system that they can use to operate with administrations and companies** remotely in complete security. ## **electronic IDentification, Authentication and trust Services 2, advancing around trust services** While Trust Services Providers **are already offering companies** simple, agile and secure [**electronic signature**](https://www.tecalis.com/products/electronic-signature) and [**identity verification**](https://www.tecalis.com/products/identity-verification) solutions, eIDAS 2 proposes that these services be provided around the so-called **EUid or e-ID.** This European Digital ID is intended to serve as a central hub for companies to verify their identity even more easily in multiple contexts. The creation of **European Digital Identity Wallets** will enable online and offline identification for online shopping, contracting products and services, opening a bank account, checking into a hotel or renting a car. In this sense, it is yet to be **defined whether companies will be obliged to identify users with this new system**. The current system will have to transition and adapt to these new EDIW (European Digital Identity Wallets) using as a basis the technical standards already present in the current eIDAS. ## **Main changes concerning eIDAS** **eIDAS** sets the standards under which users and citizens must be identified to **corroborate that they are who they say they are and that the person who is signing a document is the person who should be signing it**. The **most important step that eIDAS 2 wants to take** is, therefore, the **creation of a concrete digital identity that can be read by companies and institutions** to confirm the user's identity. Similarly, **eIDAS 2 extends the** current **electronic trust services. Electronic ledgers will** now be **based on DLT technology**, providing electronic archiving services and facilitating remote qualified electronic signature management. This new way of creating the registry will enhance the ability of companies to seal data against tampering and increase the electronic evidence available and provide it with more legitimacy. The fact that this new technology is used **would directly influence use cases** as relevant for, for example, the **financial and related industries such** as **data cross-referencing with decentralized sources and the attribution of digital assets** in **tokenization** processes. Additionally, for any company, it would apply to business process records and audits of any kind. The regulation of electronic archiving services, electronic attestation of attributes and electronic ledgers have been affected by eIDAS 2. These **electronic ledgers, created by qualified trusted service providers**, are one of the main assets for eIDAS 2 to extend and consolidate what has already been achieved by eIDAS. **Check out** [**the full eIDAS 2 proposal here on the European Commission website**](https://digital-strategy.ec.europa.eu/en/library/trusted-and-secure-european-e-id-regulation) **or let** [**one of our experts give you a summary and analyze how it will affect you**](https://www.tecalis.com/request-demo)**.** ## **Simple, agile and official digital identity** eIDAS 2 proposes a change of model in which, instead of performing different identity verification processes, it would be performed only once, added to the digital wallet and used **in any circumstance with total legitimacy and security**. The new model would be **based on the** following aspects: * **A single, officialized European identity framework.** * **The use of this system by the public and private sectors.** * **The extension of this system to as many citizens as possible.** * **That the attributes are linked to the exchange of identity data in an agile way.** * **Provide a level playing field in the provision of trust services.** This opens up a world of unlimited opportunities and a global growth perspective for all sectors of the economy. ## **Opportunities for the private sector** While today anyone **can be identified through the** [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer) **process** to perform **high-risk transactions remotely and fully online with security and absolute guarantees** thanks to [**AML**](https://www.tecalis.com/blog/aml-anti-money-laundering) and [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulations, moving towards a model in which digital identification revolves around a wallet would further streamline this type of process. The reading of the official digital identity would be the only step to be followed by companies when identifying a customer or requesting an electronic signature in a **contracting process** of any kind. While **it is already possible for any user to purchase or contract services from any company within the union if the company performs the required processes**, thanks to eIDAS 2 this would be extended as **companies will simply have to have the technology to read and identify the user's e-ID** so that the user can then perform any type of remote operation. **All business sectors will benefit from the implementation of eIDAS 2**, but especially those related to transportation, energy, banking, healthcare, telecommunications and **online services**. ## **eIDAS 2: implementation and effective dates** **eIDAS 2 is expected to be approved at a date between January 2023 and the next Commission vote.** The proposal is still under review and is open to modification and discussion. According to the latest information**, the project is evolving favourably and has been prioritized by the authorities, in** addition to being supported by practically all the member states. ## **How to take advantage of eIDAS now to grow and expand your business** Throughout this article, we have explained the changes introduced by eIDAS 2, concluding that it **paves the way and facilitates the processes for verifying the identity of users and exercising electronic signatures.** However, all this is now possible. Thanks to eIDAS, **businesses can grow in the European market without additional investment**; they simply need to **readjust their processes to incorporate a previous step of** identity verification and adequate electronic signature systems. While you still cannot read a user's e-ID, **you can count on a system offered by a partner to do this for you in seconds and without friction in the process**, fully integrated with your systems and automated. This will allow you to operate with your customers both online and offline with the greatest guarantees, sign contracts, send certified communications, accept conditions or offer products and services. --- ## Digital onboarding: What is it and how does it work? **URL:** https://www.tecalis.com/blog/digital-onboarding-customers-employees **Descripción:** Digital onboarding is a remote user, customer, or employee onboarding model with KYC technology. Onboarding them securely and legally is a must. **Digital onboarding** has gone from being a term used by experts and specialists to be on everyone's lips. Today, no business can afford not to have **digital onboarding systems** if it wants to compete in today's demanding markets. This concept, associated with the **user-company relationship** and in which identity verification plays a major role, represents the **first** and most **decisive phase** in the **life cycle of customers** or employees throughout their time with a **company, organization, institution or platform.** This is presenting a challenge for **any company today**, **regardless of its sector** of activity, although it is true that it is having a **more vehement impact** on those belonging to industries such as **finance** and related industries (**banking, insurance, investments...**). ## **Meaning of the term digital onboarding** **Onboarding** was previously used to define the **new integration of people into an organization**, either as **employees,** new **customers,** or registered users. This process is the real beginning of a formal relationship between companies and customers or employees, who are no longer potential customers and candidates but are now part of the organization in a consolidated way. Thus, this process gives **legitimacy and formality to a contractual relationship** in a consensual and validated way by both parties.  Its transposition to the digital plane gave rise to the term **digital onboarding**, which is now part of the daily life of many companies and businesses, especially those that incorporate new customers, users, or employees on a continuous and recurring basis. In this way, we understand digital onboarding as the **process of acquiring new users, registering their data and information, and digitizing their integration into** an organization's **systems.**  Technology has made it possible to **transform a costly, tedious, and bureaucratic process** that required a series of steps, approval phases, and procedures that took a long time, into one in which all this **is done** in **an agile, simple, automated, and error-free manner, with maximum security and with even greater legal backing.** In industries such as finance and related industries, the term digital onboarding is often intermingled with [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer). However, there is a very clear difference: **Digital onboarding refers to all the steps and processes that take place from the time a potential customer or candidate has first contact with the organization until he or she is fully onboarded as a registered customer or hired employee**, while the Know Your Customer, or Know Your Client, the process is specifically the point at which the person's identity is verified. ## **Identity verification in the onboarding process** When we talk about identity verification, digital identification, or KYC, we refer to the **checks performed to certify that the person is who he or she claims to be.**  Previously, this process was always carried out in person and required the **commitment of an agent to certify and guarantee that, for example, the image that appears on the identity document of the person handing it over corresponds to his or her face**. In addition, photocopies of the documents had to be made, with the associated risk of losing the documentation and the costs and resources needed to manage and store these physical documents. The fully digital onboarding, dispenses with the constraints of the old model, being able to [**integrate a fully automated**](https://www.tecalis.com/products/identity-verification) and secure [**identity verification system**](https://www.tecalis.com/products/identity-verification). The steps performed by the agent are now carried out through an agile, friendly and guided system that, with AI, is able to perform real-time checks without errors, both to ensure the integrity and veracity of the documents, as well as the face of the person.  Currently, the key to identity verification and digital identification revolves around how to **integrate them into the digital onboarding process**. In most cases, the identification process, despite being digital, is not **integrated in a correct, agile and frictionless way throughout the different stages of onboarding**. This leads to a significant increase in abandonment rates in these processes. **[Read this in-depth article to learn more about the Know Your Customer (KYC) process](https://www.tecalis.com/blog/kyc-know-your-customer)** ## **Methods and channels for onboarding processes** The onboarding process has been changing according to the needs of companies, adapting to new channels and digitizing or not. Thus, we can talk about **three types of onboarding**: * **Face-to-face onboarding: Non-digitized** onboarding in which **an agent must perform all the procedures** is the traditional way of performing this process. The user must travel to a **physical location where he/she must provide his/her data, write them in a physical register and show his/her** identity **document** to be onboarded. It is also known as **non-digitized on-site onboarding**. * **Digitalized face-to-face onboarding:** In this model, users perform the procedure **digitally but in a physical location** of the company or institution. It is also known as **semi-assisted or semi-onsite**. It is necessary to go in person and two circumstances can occur: a digital device is provided for the user to perform the onboarding completely autonomously there, or an agent assists the user but performs all the procedures and processes associated with the onboarding completely digitally. * **Remote digital onboarding:** This is the form that best represents the meaning of the term digital onboarding. **At any time and place, a user can autonomously** (although **assisted by a friendly interface that guides him**) register to join a company as a customer or employee. This method can now be carried out with maximum legal guarantees and in a completely secure environment thanks to identity verification systems with appropriate controls. The **face-to-face onboarding model has become obsolete**, so all those companies that do not have a digital onboarding process are exposed to the **loss of customers or difficulty in attracting talent**, given the current market demands and the profile of today's consumers. For this, having a partner capable of offering a digital onboarding system for both remote onboarding and onboarding in commercial offices, stores, or branches, is crucial to be able to grow in such a competitive environment. Likewise, it is essential to **avoid abandonment in the middle of the process so that it is perfectly integrated with the company's systems and channels**. ### **Expansion to other markets** The channels in which a company can be operational and reachable for new customers and users have multiplied thanks to digital onboarding. Now, adapting to market regulations, **companies can sell outside their borders without having a physical presence there thanks to digital onboarding**. Not all onboarding solutions can be functional in any market, but if a company has the right system and **establishes marketing and sales processes in another language, it can expand to other markets in a cheap, simple and agile way; allowing it to grow and create a scalable business model.** ## **Digital onboarding in marketing and sales** In marketing, it is crucial to take care of the **final part of the sales funnel**. In it, the onboarding process represents the **decisive step** in which a potential customer will become a customer only if this last step is adapted to his expectations and needs. ### **Customer acquisition** Thanks to digital onboarding, marketing teams have been able to provide a **better experience to potential customers** and **make it easier for leads to convert**. With this in mind, it is very important to give this last phase the relevance it deserves within the [**customer journey.**](https://www.tecalis.com/blog/customer-journey-360-solutions) **Not all suppliers of digital onboarding and identity verification systems and models are capable of adapting their solutions to the marketing activity that the company is carrying out.**  Therefore, it is important to take into account that digital onboarding systems are **cross-channel** and can offer solutions beyond identity verification such as **[electronic signature](https://www.tecalis.com/products/electronic-signature)** to **ensure the procurement of products and services in the same process** and [**strong authentication**](https://www.tecalis.com/products/authentication) to subsequently grant access to them in an agile, secure way and **without additional steps**. ## **Digital onboarding in the banking and financial sector** One of the sectors that has driven the adoption of digital systems for customer onboarding has been **banking**. Both the banking sector and other areas of **finance** (**insurance, investments, financial services, etc.**) have been able to adapt to offer a digital business model. These pioneering financial industries adopted models in their customer journeys based on current customer needs. So-called **FinTech**, supported by **RegTech** companies, developed solutions to make it possible and secure, for example, to open a bank account completely remotely. Hence, in most cases, we associate the term Know Your Customer (KYC) closely with the banking sector. ## **Regulatory framework for digital onboarding** The **laws affecting digital onboarding** are especially focused on the financial sector. And it is in this sector where most fraud is attempted, being the onboarding process the one where we can nip this problem in the bud, eliminating the risk in one fell swoop. **AML5**, or 5AMLD, is a European directive focused on the prevention of money laundering and which sets out rules on how the onboarding process should be carried out, including its digitalized aspect, to avoid any type of fraud. Moreover, [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), and its forthcoming update [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2), is the **legislative framework of reference for customer onboarding not only in Europe**: any digital onboarding solution that complies with this regulation will be ready to meet the most demanding technical and regulatory obligations in any region and market. ## **Onboarding in human resources** If you were to search the word "onboarding" in Google, more than 70% of the results would have as an answer content focused on **human resources and talent management**. The **definition of onboarding was initially adopted by professionals in this area** to refer to the incorporation of new employees into company structures. The onboarding process in human resources is understood differently depending on the company or the professional who deals with it. On the one hand, there are those who consider onboarding to be from the moment the [**employment contract is signed**](https://www.tecalis.com/products/electronic-signature) until the end of the employee's first day; while other professionals extend the process further, placing it from the signing of the contract until the first salary review. In any case, it is clear that the process of incorporating new employees must be handled with care so that they feel comfortable in the organization and the procedures do not involve nervousness or misunderstandings. Subsequently, with the **digitization of human resources processes**, the term digital onboarding spread among professionals in the area, adopting the same definition as above, which is the same as the one used for new clients. This way of working has boosted the productivity of human resources areas, **reducing bureaucracy and administrative costs in onboarding to a minimum, making departments paperless and giving a unique and agile experience** to employees. **Teleworking and new models of remote work or mixed systems** have forced talent departments to digitize the process to be able to initiate a contractual and working relationship with employees located anywhere in the world. Thus, digital onboarding has been the solution for the incorporation of employees with **full-remote** contracts. ## **Data collection, process automation, and access** The adoption of digital onboarding systems has **led to the digitization of other phases of the customer or employee journey**. Nowadays, **authentication** is often considered as part of the onboarding process. Granting **access to products and services, platforms, systems or facilities** is closely linked to the onboarding process. Currently, during **identity verification and registration, user data is collected and compiled to create user credentials**. These credentials can be based on a biometric facial pattern, data or password to, after completing the digital onboarding process, grant agile and secure access.  In this way, [**modern authentication and login systems**](https://www.tecalis.com/products/authentication) can integrate with onboarding solutions in an all-in-one solution that provides a unique experience and agility, eliminating the need for separate registration and access systems. --- ## Face recognition software: uses, applications and technology **URL:** https://www.tecalis.com/blog/face-recognition **Descripción:** Face recognition techniques and applications for identifying people are a complete revolution in our economies and societies. Find out more here! **Face recognition** techniques and applications are now, more than ever, part of our daily lives. This **method of identifying people** is a complete revolution in our economies and societies. This technology is being used for a **wide variety of use cases**. While we might think that face biometrics is used solely and exclusively to grant access to cell phones and other computing devices, face recognition has a **variety of applications**. Not everyone really knows **what** face recognition **is and how it works**, **how the different systems interact with each other** to compose a complete digitized record of our face and how the **providers of this technology store this sensitive information.** Even if we don't fall for it, face recognition systems are found in more places than we think. ## **Basic definition of face recognition: what it is** Face recognition, by definition, is the ability to **understand and remember a face**, usually human. The technology that makes this possible is face recognition systems, which generally use **tools based on artificial intelligence and machine learning algorithms**. **In recent years,** Face recognition is set as the **fastest growing technology** and the **most widely used to** [**verify the identity of users, customers or employees**](https://www.tecalis.com/products/identity-verification). Through image systems, video and audiovisual elements, a person's face is captured to generate a **unique biometric pattern associated with a person's legal identity**. Face recognition is part of the so-called **biometric techniques for** identity **verification** since they measure a living organism and parameterize it to recognize it when it is present. In many cases, we can find face recognition included in the category of biometric security techniques, emerging as the first of them in order of relevance. ## **Practical applications and use of face recognition** Face recognition is used for a variety of purposes. Increasingly, this form of identity verification is **used by many companies and institutions for traditional processes in a** multitude of use cases.  **This technology is applied to new and emerging areas as well as existing ones that are simplified and streamlined thanks to its integration**. Among all the possible applications for face recognition, we can highlight the following: * Identity verification for **user registration (**[**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees)**) and new customers for products and services that require identity confirmation** (**telephone** operators**, banking, finance, insurance...**). Although it can be **applied to any sector of activity with amazing results**, these areas need it because of the sensitivity of the operations they must perform concerning their users. * Knowing that the person is who they say they are is crucial for remote relationships and the **online environment**. For this reason, face recognition is being used for **internet** access, **login in apps or web platforms**, **database** security, online procedures with public administration, etc. * Keys, pins on physical keyboards and other access systems to facilities, enclosures, vehicles, offices, warehouses, workplaces, etc., are at risk of being lost or stolen. Therefore, facial biometrics is being applied for these cases with the simple **installation of a camera at the entrance to grant access, even with different levels of permission**, to people in the organization or company. * In the **HORECA** and **tourism** sector, we can grant access at **check-in** in hotels, for **airport** security and apply face recognition in dozens of circumstances in the **leisure, restaurant and hotel sectors**. * In **physical stores**, for example, face recognition systems have been implemented to avoid having to go to the cash register. Customers visit the store, put their purchases in their bag and can leave, after which their customer account is debited for the amount purchased. * In the area of **law enforcement and security**, it can be used to search for missing persons, recognize persons committing criminal acts, night surveillance or even forensic analysis. Face recognition stands out for its **unobtrusive nature and the simple and inexpensive way to implement it in any use case**. The possibilities are limitless and any industry can take advantage of this solution to **streamline processes, lower costs and provide a smooth and differentiated experience** to its users. ### **Driving growth and expansion** In the case of banking, financial services, insurance and related industries, there are even **specific legal regulations governing the use of face recognition** to comply with the [**AML policies**](https://www.tecalis.com/blog/aml-anti-money-laundering) to which they are subject because of their activity. Thanks to the current regulatory framework and the correct implementation of these systems, companies in any industry, including those mentioned above, can **perform online face recognition and expand into other markets to operate in them and obtain new customers in** a simple way and **without additional investment**. This technology has made it possible to transform the current economy and **turn sustainable business models into scalable** and highly productive ones with only minor modifications to some processes. ## **How facial recognition works** To understand **how face recognition works** we must know all the **phases** that take place during the recognition process. Although the whole process occurs in milliseconds, 10 procedures are **carried out in record time** thanks to the advancement of technology. Broadly speaking, and in a simplified manner, the phases of the face recognition process generally run as follows: 1. **Unidentified person:** A person not identified by a face recognition system is about to be identified. 2. **Startup of audiovisual capture systems:** The camera, infrared sensors and any hardware devices involved in data extraction is started and prepared to collect and measure information. 3. **Acquisition of images, video, depth data, infrared, other measurements and/or sound:** The software starts receiving information from all available sources. 4. **Face location:** The subject must fit his or her face in the frame visible to the camera.  5. **Face detection:** The software works to detect the face, its depth, and differentiate it from the background and other elements of the scene. 6. **Conditioning and normalization:** The area to be recorded is defined and the facial features that will make up the biometric pattern to be generated are parameterized. 7. **Feature extraction:** Once the geometric transformations have been coupled and the rules have been established, the specific cast of the person being identified is extracted. 8. **DB recognition and comparison algorithm:** The extracted vectors are compared with existing databases. If there is no pattern with a similarity percentage above the reference frame, the person is not previously registered in the system.  9. **Information storage:** The created vector is stored in the database. 10. **Identified Person:** The stored vector is linked to the identity data of a natural person. 11. **Authentication of the identified person:** Here, the face recognition would have been completed. After that, the system can now recognize and authenticate the user in step 8 to grant access to products, services or facilities. The effectiveness of face recognition is, in the most powerful systems, **tested and certified**. Like all advances in science and engineering, it responds to hit and miss rates and, fortunately, there are solid and proven face recognition solutions.  It should be noted that, of **all the biometric identification methods (fingerprint, voice recognition, iris recognition, etc.), face biometrics is emerging as the most robust and, therefore, the most widespread system at present.** ## **The security of facial recognition systems** Today, we can **state without a doubt that face recognition is a mature, advanced and error-proof technology.** As early as 2006, in the Face Recognition Grand Challenge (FRGC), the evaluation of the latest facial recognition algorithms was 10 times more robust and accurate than those used in 2002 and 100 times more accurate than those used in 1995. Recently, there has been talked about the complications that can arise for face recognition systems after the emergence of **deepfakes**. Today, **face recognition based on AI and machine learning is capable of surpassing the ability of humans**, taking into account aspects that go unnoticed by our eyes. ## **Facial biometrics authentication** As we have seen, the main purpose of face recognition is to corroborate the identity of a person who is about to perform an action. First, if the person was not registered in the system, initial face recognition was performed to record and store his facial biometric data. After verification and the creation of an account and credentials, we can ensure that the user who registered as a customer and [**contracted a product or service**](https://www.tecalis.com/products/electronic-signature) is who they claimed to be. This, which is increasingly being implemented **in all industries**, although with special attention to those with a high level of risks such as **banking, insurance, investments** and the like, is necessary to comply with **established technical and regulatory requirements.** According to several studies, already in 2016 and in the United States alone, theft associated with **identity fraud exceeded a value of $16 billion and affected more than 15 million users**. Across the pond, taking the United Kingdom as an example, its fraud prevention organization put the number of phishing **cases at more than 170,00**. ### **Your role in the customer journey**  In this sense, and given the current situation, **identity fraud** represents one of the **most important risks faced by both companies and users**. Not only in [**digital onboarding**](https://www.tecalis.com/es/blog/onboarding-digital-sistemas-funcionamiento), but also in subsequent steps. To give an illustrative example, the **theft of** online banking **passwords** to make online payments, **bank transfers to other accounts** or spy on monetary information is more common than it might seem. All of this is due to the lack of [**secure and robust strong authentication systems**](https://www.tecalis.com/products/authentication). Security in the [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions) must be provided in each and every one of its phases, establishing [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) and incorporating integral systems that form part of a whole and adapt to all the company's channels. Balancing security and experience would mean giving up fundamental parts of both. Therefore, having **holistic and powerful online face recognition software** that integrates across all phases is crucial to ensure a seamless, cohesive and secure experience. **Multi-factor authentication** systems can dispense with passwords, **combining**, for example, **facial biometrics with SMS OTP codes**. --- ## Electronic Know Your Client (eKYC) definition and uses **URL:** https://www.tecalis.com/blog/ekyc-electronic-know-your-customer **Descripción:** eKYC (electronic Know Your Customer) is the electronic and digital implementation of customer and user identity verification processes with AML controls. The birth of the **eKYC (electronic Know Your Customer)** term is due to the transformation of certain key processes in industries that need to **verify the identity of their customers and users with more stringent controls** than usual. Although the word eKYC has been adopted recently and is still spreading, the term used to refer to the well-known **KYC (Know Your Customer) process** has been used for a **longer time by professionals in the concerned areas.** In this article, we unpack the keys to the transformation of Know Your Customer, and how it has evolved into the **current and most recent electronic Know Your Customer**. ## **KYC: Customer identification** As we have been anticipating, the KYC (Know Your Customer) process is the predecessor of the innovative eKYC. This process includes **a series of controls associated with the identification** of new customers and users **during the** [**digital onboarding phase.**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **[Learn in this article all the details of the Know Your Customer (KYC) process in depth](https://www.tecalis.com/blog/kyc-know-your-customer).** The **financial, banking, investment services, insurance** and other related industries were the **first to coin the KYC concept**. Due to the sensitiveness of the operations carried out by them and their clients, and given the nature of these operations, it is not only essential but also a legal requirement to reliably verify the identity of their users. While **identity verification is a practice that applies to each and every company and organization regardless of their area of activity**, performing this task with more exhaustive and very specific controls is something that is regulated and to which companies in the aforementioned industries are legally obliged. ## **Digitalization: What is eKYC (electronic Know Your Customer)?** The **electronic Know Your Customer eKYC is the transposition of the KYC process to the digital and online plane**. The financial sector and its related industries are the digital pioneers. The digital transformation took place much earlier in these sectors of activity than in others that are still anchored in semi-digitalized models. In this way, we can define eKYC as a **set of digitized user and customer identity verification controls.** In contrast to its predecessor, it converts the entire process into **paperless, is capable of making it remoted and automating** with intelligent bots tasks that were previously carried out by human agents. ### **Types of eKYC** We can define three types of eKYC **according to their implementation**: * **Assisted**: Here, an **agent performs the KYC checks himself**, but with the **help of digitized systems** to collect, verify and store the identity document. The verification and cross-checking between the face on the document and that of the physical person are done by the human agent, and he is the one who attests that the customer is who he claims to be. * **Semi-Assisted**: This model is based on the implementation of the eKYC process in physical locations but **autonomously by the customer**. The user performs the entire process in a commercial location where there are **agents who can help him, but it is he who interacts with a digital system on an electronic device**. We can also speak of a semi-assisted eKYC system in relation to videoconferencing models, which now allow the process to be done remotely. * **Unassisted:** This is the method that we closely associate with the term electronic Know Your Customer. We would be talking about an online eKYC system **executable on any electronic device with Internet access** and without the remote or face-to-face intervention of a human agent. The user would do it by himself with the help of on-screen instructions. ## **How does identity verification work in the eKYC process?** The **identity verification** process **in eKYC is** not too different for the user than in conventional KYC processes. Apart from the **time and paperwork benefits**, the process is the same except that **in eKYC these checks are carried out by an automated system rather than by a human agent**. The user can perform an **eKYC online from their own device, guided by a simple and convenient interface** (with voiceovers in certain solutions) that completes the process in **less than 3 minutes**. Digital identity verification can be performed in a number of ways, but **not all of them comply with the most demanding technical and regulatory standards and requirements**. ### **Phases of eKYC** **Biometric video identification** is the **safest and** most **secure** method to verify identity in an eKYC process in any market and industry and works as follows: 1. The user **registers his data** on the platform. 2. You are asked to show your **ID card to the camera** from the front and back. 3. Artificial intelligence **extracts data from the document** and checks its veracity and integrity. 4. The user is asked to **show his or her face** and perform an action as proof of life. 5. The **automated system extracts a biometric facial pattern from** the customer to identify him/her, generate a user in the system and cross-reference the data with those contained in the identity document. 6. The system generates credentials to give the user **access** to the system and to the products and services subsequently contracted through [**facial biometric authentication**](https://www.tecalis.com/products/authentication). For this series of steps in the eKYC process, it is essential to consider the user experience and the interface in which they will take place. Only the most polished identity verification solutions for online eKYC processes are able to **avoid mid-process abandonment and ensure high conversion rates**. ## **eKYC, AML, and the FinTech industry** [**Anti-Money Laundering (AML)**](https://www.tecalis.com/blog/aml-anti-money-laundering) is a major concern for companies in the banking, financial and related sectors. Establishing AML strategies is necessary, as there are many **regulations that oblige companies to** establish these controls. KYC is a crucial process within AML (Anti-Money Laundering) policies and controls and is capable of addressing many of the risks associated with companies in these sectors. **Identity fraud and** identity theft **attacks are** a pressing need for **trading platforms, cryptos, online insurers and any FinTech company**. The eKYC, on the other hand, is making it possible to automate compliance with legislation with digitized [**Anti-Fraud Control and Risk Management Systems**](https://www.tecalis.com/products/anti-fraud-controls) integrated into the onboarding process of new clients. Additionally, not only in the onboarding but also later in the authentication and [**contracting processes**](https://www.tecalis.com/products/electronic-signature), **systems derived from those used in eKYC** can be **established** to mitigate any type of fraud attempt. ## **Why digitize the KYC process** The increase in **demand for digitized products and services** has led companies to focus their efforts on **reaching markets beyond their** natural **borders.** Scalability is one of the key objectives of businesses in the medium term, taking advantage of their value proposition and the possibilities of digital systems to operate easily anywhere in the world. In this sense, eKYC, which responds to standards that have been implemented in most states, **is capable, if done properly and adapted to each market, of allowing companies to incorporate users and customers in any jurisdiction with full** legal **guarantees.** On the other hand, **productivity** and **efficiency** are of the utmost importance for any organization. The eKYC boosts ratios to previously unattainable heights thanks to **error-free systems** that allow employees to focus on more important tasks**, leaving bureaucracy aside**. --- ## Identity Verification: types and how it works **URL:** https://www.tecalis.com/blog/identity-verification-kyc-aml **Descripción:** Identity verification is applied to user registration or bank account opening to avoid impersonation risks and to comply with KYC and AML. **Identity verification** is now often associated with access to mobile devices. While this use case is important and necessary, the identity verification process is crucial when performing **sensitive operations and activities such as user registration or opening a bank account**. This term has become much **more important in the online environment** than in the face-to-face, since - in addition to the fact that **identity fraud rates** are higher in this area - it is more **complex to certify the veracity of the information provided** by a computerized system than by a human in a **remote operation.** However, **thanks to the** [**new and pioneering online identity verification systems**](https://www.tecalis.com/products/identity-verification), this is turned upside down, being able to say without any qualms that, today, a **high-tech digital identity verification system is able to perform an identification process** in **a more reliable way than a human.** ## **What is identity verification?** We can define **identity verification** as the **series of processes and controls carried out to ensure that a subject is who he/she claims to be**. Identity verification is usually performed on **individuals**, but it can also be performed **on legal entities**, in this second case, we would be talking about **KYB (Know Your Business)**. The concept of identity is based on **comparing**, and this term is defined as the quality of being **identical and unique**, **comparable to another, and distinguishable from it**. That is to say, to find an **exact correspondence** between one element and another, having a series of **unique features** that are associated with a subject in a **unique, irreplaceable, and unchangeable** way. Thus, identity verification methods deal with different ways of **ensuring that the person who is performing an action or who wants to be an active subject within a procedure (giving consent, accepting terms, contracting a product or service, registering on a platform...) is who he/she claims to be** and that, on the other hand, in processes performed remotely, he/she is a real person. ## **System types and methods to verify identity** There are many different methods for verifying the identity of a subject. The **choice of** identity verification **method and factors** is crucial to establishing a fraud prevention and risk management strategy **associated with each use case**. In the **face-to-face environment**, the usual method is the verification of the identity document by an agent. Although this method is secure, it is far from **the security provided by digital methods, which carry out much more exhaustive** and error-free **checks.**  Below, we list a number **of the most prominent online identity verification methods**: * **Verification through credentials:** Passwords, pins, or usernames are designed to be generated in such a way that only the user who has chosen them knows what they are. This, however, is flawed if it is not combined with other factors and there is a risk that someone else could steal them or they could be forgotten. * **Knowledge-Based Verification (KBA):** This factor refers to questions asked in such a way that the user to be identified is the only one who could answer them correctly. * **Verification by OTP (One Time Password):** This method transmits a unique code valid only for a few minutes to a device that only the user to be verified can access. This can be done through one or multiple channels (**SMS, email, phone call, letter, push notification...**). * **Biometric verification:** Use of the [**face (unique facial biometric pattern)**](https://www.tecalis.com/blog/face-recognition) and its cross-referencing with the image of the face shown on the ID card or other biometric factors such as voice, iris or fingerprint. * **Life detection verification:** Generally part of biometric verification, it is especially important in online identity verification and involves extensive checks to verify that the biometric factors correspond to a person who is present in real-time in the process. * **Document verification:** Checks the data and integrity of an identity document with advanced controls. ### **Verification of multiple factors:** In online identity verification, security depends on the system used and the factors chosen. It is **best to combine at least two of the** above factors. In this way, any attempt at identity fraud will be avoided and the greatest possible guarantee will be provided for a transaction to be carried out. The combination of several of these factors results in the well-known **KYC (Know Your Customer) process**. This term **is used in all industries**, but especially in the **financial, banking, insurance, investment, and related sectors**. ## **Verifying the identity of users in KYC** Identity verification takes place **in many sectors and areas of activity and is necessary for many use cases**. However, there are certain industries that, **due to sectorial regulations and** both state and international **laws, are obliged to establish identity verification procedures** under a series of **very specific technical standards**. On many occasions, the KYC and identity verification concepts are intermingled, being for many people the same thing. However, this is not the case. While identity verification is the concrete process of verifying and identifying a person, KYC not only includes this verification but also adds other steps to end up incorporating and registering a user within a company or platform, turning him into a customer. [**Read this in-depth article for more details on the Know Your Customer (KYC) process.**](https://www.tecalis.com/blog/kyc-know-your-customer) The KYC process consists of a series of steps whereby a person is certified to be who they say they are and their identity is recorded in a database. **The combination of several factors, namely facial biometric verification and identity document validation, along with data collection** make up the Know Your Customer process, which is part of the broader [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees). ## **Verification of identity documents** Identity document verification is another way to verify a customer's identity and is part of the Know Your Customer process. In our societies, the basic form of identification of persons is based on identity documents issued by official bodies. In this sense, **verification confirms that the person holding an identity document is the legitimate owner of that document**. Regarding face-to-face identification, it is well known that one of the main efforts of those who commit identity fraud is the forgery of documents. And not only the forgery but also the duplication of them illegitimately. This process plays a crucial role in identity verification checks. Certifying the **legitimacy of a driving license, national identification document (ID card), passport or official identification card** is a complex task that must be carried out thoroughly. Among the **checks performed**, we can highlight the **capture, extraction, analysis, and comparison** of both the **document data** and the document itself: hologram, integrity, type of material, watermarks, elements in the right position, fonts, and typographies, spacing, corners... We already advanced at the beginning of this article that digital systems have more resources to perform a correct and error-free identity verification than humans. **The most advanced** and secure **systems**, trained with millions of samples and powered by innovative **artificial intelligence and machine learning** solutions, have **much lower error rates than humans**, detecting minute alterations and performing a **detailed analysis in seconds** to identify a forged document without room for doubt. ## **Phases of the online identity verification process** Although there are different ways to perform an online identity verification process, not all of them meet the highest technical and regulatory standards. We can talk about **selfie verification, video conference verification or streaming video identity verification**. Among these, the **most agile, convenient, secure, adapted and supported by the rules and regulations** to have the **best legal guarantees is the streaming video identification**. This method, which combines several factors, runs, in the best solutions, as follows: 1. The user enters his data and registers and verifies his communication channels. 2. Show an official identity document on both sides. 3. The identity verification system reads, extracts, stores and verifies document data through OCR and performs veracity, integrity, and validity checks. 4. The user shows his face on camera and makes a gesture (specific head movement, smile, talk...). 5. The system verifies the user's identity by extracting and storing a unique biometric facial pattern and cross-referencing it with the content of the ID card. 6. The user is registered in the system and the online identity verification process is resolved. ### **Data in identity verification systems** The management of this data, how it is stored, and how it is subsequently used must be carried out meticulously and according to very specific rules. This is where **cryptography and end-to-end blockchain technologies** come into play to ensure that the data is collected and processed in accordance with the regulations governing identity verification. ## **Regulatory framework for identity verification** Identity verification must be applied **in all industries to provide support and guarantees in any user-company relationship**. However, there are certain rules that regulate their use and oblige certain companies and institutions to implement them in certain ways depending on the level of risk of the different operations and use cases derived from their activity. The most noteworthy rules in relation to identity verification are: * [**AML**](https://www.tecalis.com/blog/aml-anti-money-laundering)**:** Money laundering prevention standards are crucial for certain industries and have specified the methods of identity verification and how they should be carried out in such a way that they are capable of preventing money laundering and terrorist financing. * [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services)**:** This is the basic framework on which European standards are defined, and which is taken as a reference beyond Europe, for digital identity and the use of electronic signatures.  * **Data protection:** Data protection and privacy standards bring together the controls and procedures to be taken into account for processing, managing and storing the personal and private data of both individuals and companies. Here, the European standard RGPD stands out. * **[SCA](https://www.tecalis.com/blog/sca-strong-customer-authentication):** As part of laws such as PSD2, the SCA (Strong Customer Authentication) sets out guidelines for properly authenticating users in a secure manner. This framework outlines 2FA or MFA (multi-factor authentication) strategies and supports their use. To give an example, in the United Kingdom alone, during 2017, the national fraud prevention organization put the number of attempted identity fraud cases at more than 175,000. This is just a small appreciation to understand why identity verification systems are essential for any company to operate with peace of mind and guarantees. --- ## SIM swapping: Secure mirroring and activation tools **URL:** https://www.tecalis.com/blog/sim-swapping **Descripción:** SIM Swapping has proven to be one of the main challenges faced by the telecommunications sector. SIM activation and mirroring are key in the industry. **SIM Swapping** has increasingly proven to be one of the **main challenges** faced by companies in the **telecommunications sector**.  In the **telco industry**, due to the nature of its activity, there are **very delicate cases** that require **specific tools** that can be **agile and comfortable** for both the **user** and the **commercial agents** without sacrificing **security.** After an era of much less stringent controls, the processes for **issuing, duplicating and activating SIM cards** were completely transformed. In many countries, following severe criminal events, the **technical and regulatory standards for** how these processes should be carried out were tightened, but criminals nevertheless found ways to circumvent some systems. With the advent and spread of **digital services and products** and, later, the implementation of **multi-factor authentication** controls, SIM swapping saw the opportunity to take advantage of certain circumstances. ## **SIM Swapping. What does it involve?** **SIM Swapping** is a method of **identity theft** using a **SIM card** that legitimately belongs to someone else and is now in the hands of a criminal. This type of fraud makes sense, especially in an environment where multi-factor authentication is the method of **access to sensitive platforms and where a user can perform** very important **transactions.** Also known as "**SIM spoofing**" or "**SIM duplication/duplication**", SIM swapping is much more widespread than it might seem and, in 2022, **multi-million dollar penalties** have been imposed **on telephone operators** for not having the appropriate tools to **manage their customers' data securely and prevent** this type of criminal threat. In this fraud, the offender makes a duplicate SIM card of a phone pretending to be the legitimate owner of that number. Thus, the first step, and the decisive one for a criminal to carry out this process, is the **impersonation of** a person of whom he already has some information such as his email and name. And it is **much simpler than it might seem,** since, today, these data are public and those that allow us to operate both in the network and at a personal and professional level. The problem arises when telecommunications companies do not use exhaustive methods to identify users who request a duplicate SIM card. Once the criminal has gained access to the phone number, he uses it to obtain the one-time codes that are sent via **SMS** by [**multi-factor authentication systems**](https://www.tecalis.com/products/authentication) with only non-biometric factors to **access**, for example, the **victim's** digital **online banking** tools, impersonating the victim and being able to operate on his behalf. Therefore, and given the **penalties that have occurred in the telecom sector** for not properly addressing this threat, SIM Swapping is currently one of the main issues to be resolved by telcos and sales channels. ## **Mandatory identification requesting a SIM card** In order to issue, duplicate and activate SIM cards, both **prepaid** and when contracting new flat-rate services, it is necessary for the **person to identify himself/herself properly.** The identification process requires simply providing a copy of the ID card, which is stored in the telecommunications company's system.  [Find out in this article all the details about the different identity verification systems and processes](https://www.tecalis.com/blog/identity-verification) ### **The importance of processes at the point of sale** One of the most decisive challenges faced by telephone companies is undoubtedly the management of their **sales channels**. The capillarity of their networks often leads to a lack of attention to detail in certain procedures. Currently, many sales channels simply store the person's identity document, without **carrying out additional checks to verify that the person providing the document is who he or she claims to be and that it is legitimate and not forged**. It is even the case that **a person can authorize** another person through a simple document, signed in any way, to register a SIM card in his name. Thus, in **SIM duplication**, companies in the telecom sector must resolve two major challenges, which are penalized by the casuistry of this procedure: * Compliance with **data protection and privacy** regulations (RGPD and others). * The implementation of [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) when collecting sensitive documents. In most sales channels these anti-fraud controls are carried out by the **employee himself, who, on behalf of the company, is responsible for** both certifying that the process is being carried out in a safe and secure environment and that the data will be processed on the company's systems in accordance with the required data protection laws and security requirements. Telco sales channels are roughly divided into **own stores, call centers, web pages, commercial stands and the alternative channel**. SIM duplication and activation processes can be carried out in all of them, **especially in the face-to-face ones**. To resolve certain aspects, companies usually choose to define certain **guidelines and different ways of proceeding depending on the type of channel**. This might seem to solve some of the problems related to SIM Swapping, but it has the opposite effect. **Commercial agents in the different** channels do not always have the same **information or the** same **tools** to perform certain processes, resulting in **inefficiencies** and, sometimes, **failures in meeting the two major challenges** mentioned above. Therefore, the company is delegating responsibility to these commercials, although, at the end of the day, it is ultimately responsible for what happened in these processes. ## **Digital tools to combat SIM Swapping** The development of innovative software and **digital platforms** has been a game-changer for the **most important use cases in all industries**.  The **telecommunications** sector, a benchmark in terms of innovation in technology, has been able to **take advantage of the solutions offered by expert partners** in these areas to **incorporate tools in their systems** that, on the one hand, **eliminate any type of risk and problems in their daily activity and operations and**, on the other hand, **boost their activity** by being able to expand their product and service offerings by deploying their network with total confidence **without impacting their IT teams.** These **digital platforms are able not only to manage the processes of issuing, duplication and activation of SIM cards** in an agile and automated way **but also to prevent any attempt of SIM Swapping**, among many other crucial and daily use cases of companies in the telecom sector. In either case, and regardless of whether they are performed in any type of proprietary or alternative channel, **the responsibility would then fall on the** [**identity verification system**](https://www.tecalis.com/products/identity-verification) **provided by a third party, and not on the telecommunications company or its commercial agent or alternative channel partner.** These systems make use of tools already used in polished and tested [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) processes with exhaustive controls seen in other sensitive industries such as finance, banking, insurance and related industries.  First, **a series of customer data is collected depending on the sales channel**, but always **with the same platform**, and then the identity is verified with techniques of the already known [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer) that are adjusted to be applied in the telecom sector operations adapted to their specific needs and circumstances. This is done in an agile way and in seconds thanks to its design. In an operating model that relies on such solutions facilitated by a **holistic digital platform and seamlessly integrated into the company's own systems**, a double benefit is obtained: * The **telcos** are confident that they **will not be fined by the institutions** because a third party performs the procedure for them securely and in accordance with the highest technical and regulatory standards, * and **users** can rest assured that they will never fall **victim** to SIM swapping fraud due to the **absolute reliability** of these expert and specialized systems. The **best SIM Swapping tools** are those that are **part of a comprehensive solution for managing processes in the sales channel**, as they ensure that the **supplier is an expert in the telecom sector**. Likewise, the system must have **biometric-based** authentication methods [**such as facial recognition**](https://www.tecalis.com/blog/face-recognition). These types of factors are incapable of being falsified or used by infringers. In addition, their speed, versatility and legal backing make it possible to **close processes that take days to minutes**, **one of the aspects most criticized by clients and users in the telecommunications sector.** ## **Consequences of SIM Swapping for customers** Beyond the obvious consequences of being a victim of fraud, **SIM Swapping has impacted the experience users have when** interacting with their telecommunications company. The response of many operators has been to increasingly **limit** the ways to perform a **duplicate SIM, portability or any related process** in which a customer must be properly identified. This is resulting in the **loss of customers and commercial opportunities for the companies**. Holistic digital platforms with solutions to tackle SIM Swapping are not only able to prevent this fraud but also help companies to design a polished, agile and secure [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions) that is designed **with the user experience in mind so that the user finds what they are looking for when** interacting with a telco: * **Agility** in the processes, **without frictions** that cause abandonment due to idleness. * Sense of **security** and guarantees. * Differential **product and service offers are** available **in any of your** operator's **channels.** * **Positive perception of the brand** in sales and communication channels. ### **The business model of companies in the telecom sector** Investing **time and resources** in **developing advanced technology** can lead companies to inefficient models. Experience has shown that SaaS solutions from **experienced technology providers** have revolutionized the telecommunications industry. Companies operate in **diverse and highly competitive markets** in which the **ability to respond immediately** is a differential point for growth and sustainability. This ability to respond to the needs and demands of customers and the business is no longer an option, it is a necessity. Thus, the way to position itself as a leader in the sector today is to **rely on dedicated, committed but agile teams, without** external supplier **rotation, to** develop **solutions based on proven technologies that** can be **integrated into the structure of the business in a matter of weeks**. This has **reduced the time-to-market in deployments of new offerings in a** way never seen before, in addition to the fact that these solutions **adapt to each phase of the** business **cycle** and ensure their future **scalability** under a pay-per-use model. ### **100% unattended and secure Auto-SIM processes** If we were to highlight an application of the tools for dealing with SIM Swapping that not only have this function as their sole objective, we would highlight the Auto-SIM procedures. This application occurs in use cases of any kind, from a **tourist who wants to activate a SIM** to **portability** processes, and runs as follows: 1. The **customer purchases or receives his SIM card**. 2. Scan a **QR code or access a URL**. 3. **Basic customer data** that the operator deems necessary is requested. 4. It asks for the **number**, the **ICCID** of the old card if it is portability or duplicate, and that of the new one, and may ask for **several** additional **authentication factors** to be entered. In the case of a postpaid card, for example, the last 4 digits of the bank account may be requested. 5. An **automated identity verification process** is carried out by video identification streaming in real-time that **verifies the legitimacy of the identity document** and the data previously provided more efficiently than a human agent and crosses that information with a video where the user performs an action (move the head, smile...) **to verify that he is who he claims to be under the most demanding legal and technical standards.** 6. If point 4 was performed correctly, calls are made to the systems to activate the services. In a **semi-served** process, **the agent would perform the first four steps on their work platform** and assist the customer by helping them perform the fifth step. However, the best solutions are able to guide the user autonomously through a digital platform with **conversion rates above 98%**. Likewise, the platforms **adapt these processes to be perfect for each type of commercial channel (call, store, online...)**. In either case, **the ultimate responsibility for problems related to SIM Swapping would lie with the user identified if he/she is trying to commit an infringement, and the system would detect it instantly,** and with the **application and the application provider**, who are the ones who approve and **certify the process.** --- ## AML6 - Sixth AML Directive: Updates for Compliance **URL:** https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation **Descripción:** The Sixth Anti-Money Laundering Directive, AML6 or 6AMLD amends the technical and legal rules affecting AML regulatory standards companies must follow. **The Sixth Anti-Money Laundering Directive, AML6 or 6AMLD**, raises a number of crucial **changes to the technical and legal standards** that affect all those **companies** that are required to comply with these regulatory standards.  The already well-known **AML5, together with** [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), **brought about a revolution in terms of business-user relations**, allowing companies, especially those in the financial and banking sector, to be able to establish themselves in other markets simply by complying with its requirements. The **new directive, AML6**, which was postulated as an **update of the previous one**, **is already a reality that companies must adapt to and are taking advantage of.** ## **What is AML6?** AML6 is the name by which we refer to the European Union [**Directive 2018/1673**](https://eur-lex.europa.eu/legal-content/ES/TXT/?uri=CELEX:32018L1673). This acronym used indifferently with the less used **6AMLD (Sixth Anti-money Laundering Directive)**, is the most common to refer to this European standard. This directive, despite being a regulation implemented in EU countries, is the international reference for setting regulatory guidelines regarding [**AML (Anti-Money Laundering)**](https://www.tecalis.com/blog/aml-anti-money-laundering) policies worldwide. **AML6 builds on the already consolidated proposal** of its predecessor **by adjusting a number of points** that were somewhat lukewarm, **defining sanctions** to **avoid doubts in the** related **jurisprudence** and adding more exhaustive controls for online [**identity verification processes.**](https://www.tecalis.com/blog/identity-verification) The standard **not only sets out all the practices for the prevention of money laundering and terrorist financing that companies in all sectors, but especially in the financial and related sectors, must apply** but also sets out the penalties imposed if they are not complied with. Now, a specific criminal framework is established that brings together all the guidelines and regulations that punish this absence of practices and controls under a single rule, leaving no room for doubt as to the jurisprudence applicable by the courts. This time, the concept of **corporate responsibility** is included and sanctions are clarified. ## **Industries affected by the 6AMLD regulation** Although the regulation is cross-sectorial, that is, it **applies to any company regardless of the industry and area of activity to which it belongs**, there are a number of sectors that, due to the nature of their activity and the type of operations carried out in them, are more affected and susceptible to being fined by the authorities. The **activities most affected by AML6 are the** following: 1. **Financial sector in general.** 2. [**Banking**](https://www.tecalis.com/industries/banking). Especially digital banking and online banking services. 3. **FinTech**. And new 100% online financial services platforms. Here cryptocurrency exchanges, trading platforms and others stand out, **now obliged to carry out exhaustive** [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **processes and with** [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls)**.** 4. **Investments**. Services related to asset management and brokers. 5. [**Insurance**](https://www.tecalis.com/industries/insurance). The insurance industry must comply with KYC standards in the same way. 6. **Others**. To a lesser extent, **Real Estate** and those companies that provide **auxiliary financial services to companies in the automotive sector** and others. Businesses and institutions belonging to these areas would be disqualified from obtaining financing, subsidies, concessions or public tenders if they fail to carry out the relevant controls required by AML6 for their customers. These controls were sometimes done in an inefficient way that generated friction among users, triggering abandonment rates after several attempts to complete control procedures that were not well designed. **The automation of these controls thanks to solutions developed specifically for these use cases has been the answer for many banks and FinTechs**. ## **Is it all restrictions? No, AML6 is a great opportunity** It might seem that AML6 is an obstacle in the way for companies to operate smoothly in markets as important as the European one. However, AML5 has already put on the table a common European digital framework that is based on just the opposite: **making it easier for companies to operate in the markets with hardly any requirements beyond complying with a series of controls that are very simple to implement**. Given the regulatory framework and technological advances, software companies called **RegTech** have emerged to **offer scalable and affordable Plug&Play solutions to comply with regulations such as AML6** in a simpler way than it might seem. ### **Systems and tools to adapt to 6AMLD** Some of them offer these systems in such a way that they adapt to the needs and growth of the business without conditioning its future, ensuring sustainability and profit. And only the best ones accompany companies, in addition to legal compliance, in offering the best customer experience focused on conversion**, ensuring the** [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions) in a holistic way. Now, **any company, regardless of its country of origin and resources, can sell its products and services throughout Europe without restrictions or the need for equipment or physical presence in its different regions** thanks to what has already been initiated by AML5. The new AML regulation6 simply reinforces this framework to make it more secure and consistent. ## **AML6: Dates and times for application** The Sixth Money Laundering Directive, **AML6 was approved by the European Union on October 23, 2018,** in the European Parliament and the Council. As of that date, states had a **limited margin to introduce their changes in the national laws of each country**. Thus, the **deadline for AML6 to officially come into force in all countries was December 3, 2020**. Thus, from then on, its **application is effective and mandatory for all companies operating in European markets**, facing serious penalties if they fail to do so. However, there is a date that takes on even more relevance: **June 3, 2021, since from then on we have stricter control over private and public organizations,** as well as businesses of any sector that are affected by the casuistry of their activity. As of this latest and most recent date, **companies will be penalized if they have not previously adapted to the AML6 standard**. Contact an expert now and get free advice on how your business can easily comply with the AML6 regulation. ## **Changes in AML6 with respect to AML5** As we have been analyzing, **AML5 was a revolution for the European market**, but it **left some issues undetailed** that sometimes generated conflict in terms of applicable jurisprudence. Now, AML6 delves deeper into the points to be considered an aggression with respect to money laundering:  1. An illegitimate activity previously performed. 2. The attempt to acquire property through the success of such illegitimate activity. 3. The whitening of these. Thus, the new regulation makes a classification and establishes as crimes the methods of acquisition of both goods and money, **expanding the necessary controls to detect these facts from the companies.** One of the most important changes, which we have already mentioned, was the consideration of corporate liability. **Article 7 of AML6 makes legal entities liable when there is a lack of control and supervision** that favors the commission of crimes related to money laundering. This, [**avoidable thanks to the KYC (Know Your Customer) process**](https://www.tecalis.com/blog/kyc-know-your-customer), is one of the main and most important changes introduced in AML6 with respect to its predecessor AML5. Companies are now 100% responsible for what happens when operating in their markets and for what their clients do since they become passive subjects in the face of money laundering and criminal acts. This article is closely related to number 10 of the same regulation, which clearly defines how the application of sanctions should be carried out and how the jurisprudence should proceed. The fifth and eighth articles of the new AML6 clearly state the penalties for both private companies and individuals for inaction and encouragement of criminal behavior. Although AML5 already penalized this, it was **not until AML6 that the sanctions went from paper to reality**. ## **AML6, KYC, KYB and eIDAS: what is the relationship?** On many occasions, it is easy to become bewildered by the various acronyms that exist to denote both the regulations that affect companies and the procedures they have to follow in order to operate safely and securely at a global level. **KYC** is the Know Your Customer process, which defines the point at which **identity data** is **collected and verified with a series of very specific checks** on a customer to officially confirm and stamp that they are who they say they are.  This procedure, in the first phase of onboarding new customers, is often confused with the very similar **KYB (Know Your Business)**. The latter is nothing more than the **transposition of the former to the B2B level**, where one company verifies another in order to establish a relationship of trust as a **partner, supplier or customer**. On the other hand, eIDAS, (electronic IDentification, Authentication and trust Services) and the most current [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2), **define the common standards for the use and exercise of electronic signatures and digital identity verification methods.** Thus, all of them **allow us to successfully and easily comply with AML6 in order to operate** in the market with **security, guarantees and without the need for bureaucratic and costly business infrastructures**. --- ## RegTech: who's leading automated compliance? **URL:** https://www.tecalis.com/blog/regtech-compliance-regulation-technology **Descripción:** RegTech is one of the most important areas currently in demand by every company for its regulatory and compliance challenges ahead. **RegTech** is one of the most important areas currently in demand by leading companies that are committed to **solving their regulatory and compliance challenges** by relying on **innovative technologies**. This concept, recently created but with a **consolidated presence in most sectors of activity**, is currently being the strategic and star bet of those companies that want to boost their **productivity** with **error-less tools** that **autonomously manage the** [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) that must be implemented in most processes. In this article, we will develop an **in-depth analysis of RegTech**, going through the companies that have obtained official seals that certify the quality of their solutions in the sector and breaking down the types of RegTech platforms available and their characteristics. ## **What is RegTech and what is its definition?** The most complete definition of the term expresses that **RegTech is the set of technologies, companies and professionals** dedicated to developing **digital solutions focused on compliance with the technical standards required by the laws** that affect companies in any sector. From **_regulatory technology_** or **_regulation technologies_**, RegTech belongs to the so-called X-Tech, a new way of **understanding business models based on the use of digital platforms developed by specialist providers** in each area and which is strongly supported by large and traditional companies. The term was first coined by the [FCA (Financial Conduct Authority)](https://www.fca.org.uk/) to refer to the automation of [**AML (Anti-Money Laundering)**](https://www.tecalis.com/blog/aml-anti-money-laundering) controls carried out by companies in the financial sector. Subsequently, it was extended to all areas of activity. Technologies such as **machine learning**, **cloud-based** development, big data, **artificial intelligence** and **blockchain** empower RegTech solutions and tools to achieve the highest possible quality and autonomy rates. **Risk management** and **fraud prevention** are two of the aspects on which this area focuses. Companies must be able to operate under an umbrella of **security** and **guarantees**, which is essential to develop their activity without fear of two of their most relevant concerns: possible **sanctions** and **regulatory support**. Every operation carried out in a company, either by the company itself or when users make use of its products or services, is **the company's ultimate responsibility**. Transferring this responsibility to a **trusted third party** who manages the process is the answer to avoid penalties resulting from possible fraud attempts committed by customers, suppliers or other actors. In any case, the **objective of RegTech solutions is to prevent fraud in the first instance**. In other words, they no longer just take responsibility but **make the processes impassable and impractical** for all those who wish to engage in **illegitimate activities**. That's why they take responsibility because they know their tools and they know that the **deterrent** force of these tools combined with their tight controls is **capable of completely subduing fraud**. Efficiency and agility guide RegTech, which is a response to the needs of companies not only in regulatory compliance as such but also in their process transformation in order to reduce costs and increase productivity. ## **Process transformation to become compliant** The best RegTech solutions are agile and easily integrated into companies' processes to transform them completely and seamlessly. RegTech providers must be **experts in three key areas**: **process** operations, **legislation** and regulatory matters in any sector and region, and **digital** transformation. This is the proposal that RegTech companies make to their clients; they advise them both in regulatory matters and in transformation, but with the added benefit of already having previously developed solutions that are easily integrated into their clients. They are specialists and experts. ## **Industries taking advantage of RegTech** Surely on many occasions, you have encountered the term **RegTech together with FinTech**. This is due to two factors: companies in the financial and related sectors were **the first to transform digitally and**, at the same time, this sector is **one of the most regulated**. ### **Banking and finance: the industries of choice for regulatory technology** FinTech groups all companies related to finance and from the following areas that have made use of technology to develop their business: **financial sector in general,** [**banking**](https://www.tecalis.com/industries/banking)**,** [**insurance**](https://www.tecalis.com/industries/insurance)**,** [**investment services**](https://www.tecalis.com/industries/financial-services) and **the like**. All these companies face compliance with very strict laws, and if they fail to do so, severe penalties. That is why RegTech has turned out to be the answer to their biggest and most sensitive challenges. The well known in these industries KYC (Know Your Customer) process was transformed into the current [**eKYC (electronic Know Your Customer)**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer) by RegTech companies, allowing them to develop successful [**customer journeys**](https://www.tecalis.com/blog/customer-journey-360-solutions) **and operate in any market and legislation with total security and guarantees.** Regulatory changes in these sectors require a quick response. RegTechs are designed to **adapt their technologies dynamically to new laws and instantaneously**, so compliance would be assured by a third party that would have already "done its homework", **avoiding the need to impact legal and IT departments** of these providers' clients. ### **Compliant technology to drive any industry** Although these companies are the main sources of revenue for RegTech and their most demanding and relevant clients, **any company in any sector can make use of the technologies and tools developed** by regulatory technology providers to comply, for example, with personal **data protection** regulations or to provide **legal support, agility and** cost **savings** to their [**customer onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) or **product and service contracting** processes. Below, we highlight **some of the many use cases** that RegTech is solving for companies in all industries: * [**Telecommunications**](https://www.tecalis.com/industries/telecommunications): In the telecom sector there are dozens of operations in which identity fraud is a very pressing risk. RegTech provides an answer to this sector with solutions that allow, for example, the **issuance, duplication or activation of SIM cards** in minutes, complying with the most demanding standards. * [**Healthcare**](https://www.tecalis.com/industries/healthcare): The signing of **informed consents** or the management of medical records are use cases in the healthcare sector in which RegTech has had an impact, reducing time and improving the patient experience and freeing healthcare professionals from bureaucratic tasks. * [**Utilities**](https://www.tecalis.com/industries/utilities): The contracting of products and services are processes that require very specific legal procedures and in which very sensitive data is provided. Also, in the private services and utilities sector, it is very common for RegTech partners to support their clients in the **certified communications of registration, cancellation or modifications in the conditions** of the contracted services. * [**Real Estate**](https://www.tecalis.com/industries/real-estate): Have you ever visited a property with a real estate agency or been involved in a sale? **Signing processes** in the Real Estate sector are constant and daily, so having a digital solution that streamlines all this and supports these operations in an officialized way is the answer. * [**Human resources area**](https://www.tecalis.com/areas/human-resources-talent): In any sector, situations arise in the human resources area that requires very specific control over the regulations that affect processes such as **hiring or the signing of work schedules**. * **Tourism**: **Check-in** might seem like a simple operation, but now, for example, it can be done before arrival and with the use of biometrics. Companies in this sector can also make use of regulatory technologies to send guests' **identity documentation to local authorities in** an automated way. * [**Law firms and legal services**](https://www.tecalis.com/areas/legal-compliance): It goes without saying that RegTech and LegalTech are closely related. Digitalization in the legal services sector involves adopting all the solutions that RegTech has been implementing for years in all industries. ## **Advantages of RegTech for companies** RegTech has brought about a series of very significant changes in the business models of companies that have embraced its technologies and implemented them in their processes and operations. Beyond the objective of **complying with the most demanding regulations with total transparency and ease**, this area has come to push companies that are not very digital towards agile models and that now take advantage of the most disruptive technology, giving them the necessary push to be digital. One of the main advantages is based on two fundamental pillars: **effectiveness** and **efficiency**. **Bureaucratic processes and mechanical tasks have disappeared** and are performed virtually instantaneously by automated software that does not fail. **Error is not an option** in modern RegTech solutions, so much so that they have proven to be able to identify a possible fraud attempt more effectively than a human agent due to the series of factors they take into account, most of the time imperceptible to our eyes. Complying with regulations and adapting processes to the results of their standard in the time reduction. Many companies, for fear of suffering criminal attacks, establish controls that we could say reach exaggerated limits. This completely breaks the **customer experience when interacting** with them and increases **abandonment rates** in crucial processes such as **hiring or customer onboarding**. The new regulatory frameworks, aware of the current moment and trends in the economy, have been adapted to establish **100% secure** procedures that, if followed as they propose, **allow companies to close transactions in record time.** Those that **used to take days or weeks due to the required bureaucracy can now be completed in minutes** thanks to the highest level of automated regulatory compliance. Similarly, complying with regulations means **being able to operate in any market**, **even acquiring customers remotely and without a physical presence**. Many companies cite legal reasons and bureaucratic hurdles when asked why they have not been able to enter certain markets. **Expenditures in** material **costs** (paper, storage capacity...) have been a great expense for companies. However, the new RegTech solutions come to convert into paperless processes that took a long time to **employees** and generated friction in customers, being now managed in digital terminals in seconds. This drive for **transparency** and security is also improving the perception that others have of companies. Having a RegTech partner to facilitate and guarantee your activity boosts the **reputation of** the business and its brands in the market and society. ## **How to implement the most outstanding RegTech tools** The best RegTech companies are offering **SaaS** (pay-per-use) and **cloud-based** services (solutions running on the provider's systems). The main thing to keep in mind in this regard is that the technology that will transform your processes to comply with the most demanding regulations is easily integrated into them. The best solutions **require no infrastructure** or investment, run seamlessly throughout the customer journey, do not impact IT departments if any, and are **easy** for both employees and customers to use. Another crucial issue is the **updating** of these solutions. In this case, they must ensure that if there is a **new regulation, the platform will adapt to it** and the process will remain compliant even after regulatory changes, without impacting the business. The most important tools in terms of regulatory compliance are KYC and AML-based **identity verification** properly integrated within digital onboarding processes, eIDAS-backed **e-signatures** for recruitment processes, **certified communication** solutions (electronic bureaufax), **authentication** tools based on multi-factor strategies making use of **biometrics**, anti-fraud controls with verification, storage and processing of **identity documentation** for risk prevention, analysis and management, as well as general **automation** solutions **(RPA)** to digitize any compliance procedure. ## **Regulatory standards compatible with automated compliance** **RegTech responds in different ways to each and every regulation affecting a company**, without exception. Providers are able to adapt their technology to meet the demands of legislation and to update as this framework changes. However, there are certain regulations that are closely related to RegTech activity given their conception by authorities and institutions. These are those related to AML controls such as the European [**AML6 (Sixth Money Laundering Directive)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation). **This regulation allows companies in the financial and related sectors to offer their products and services throughout Europe without the need for commercial offices.**  Similarly, [**eIDAS (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) defines the exercise and use of electronic signatures, which regulates how the **contracting** and acceptance **processes** should take place. RegTech has contributed a great deal in terms of compliance with data protection laws, most notably the **GDPR**. This applies to all areas of the company, including customers, suppliers and employees. The contribution in this regard has been differential and has had a full impact. With regard to payments, **PSD2 and SCA** are the most important regulations to which digitized compliance has responded. ## **RegTech keys for 2022 and 2023** RegTech in **2022** is being marked by the adoption of innovative technologies based, for example, on **biometric facial recognition and NFC**. The sector itself has not much to go through this year as it is already very consolidated but there are certain **companies that have technology with high reliability and success rates compared to other providers that cannot ensure** that the processes are carried out the first time, without generating frustration in the user. This is highly polished by some regulatory technology providers while others still have some way to go this year in that regard. By **2023** we can expect **wider adoption of compliance technologies not only by companies in the financial and related sectors**. In the coming years, we will see how confidence in these technologies by companies in sectors that a priori might not seem to have much place in RegTech increases considerably, since their implementation in them is already a consolidated reality, although it may extend much further. ### **How to choose a RegTech supplier: other considerations** When choosing a RegTech provider for 2023 or the current 2022, it is necessary to take into account all the factors that we have discussed throughout the article. However, taking into consideration **which organizations are supporting the activity of that provider is** crucial to contrast its quality and reliability. The RegTech100 seal, awarded by **FinTech** Global, is one of the few certifications that recognize excellence in the **provision of this type of services at a global level.** Companies that have been awarded this seal are reliable and offer quality solutions. That the company ensures support with **ISO standards** is another aspect to take into account, as this confirms that the company has undergone a series of audits that certify the **reliability of its technology and solutions**. **FIDO Alliance**, on the other hand, is a conglomerate of companies committed to certain standards for products and services offered by RegTech companies. Membership in this alliance is an example of commitment to quality. Confirming whether the company is part of the **professional associations of the sector to** which it belongs is another indicator of confidence. It is therefore the combination of all these factors that will give us a quick and global vision of the support that a reliable partner can offer to digitally transform our business while complying with the most demanding regulations and technical standards. --- ## RPA: Robotic Process Automation Best Practices **URL:** https://www.tecalis.com/blog/rpa-robot-process-automation **Descripción:** RPA (Robotic Process Automation) has revolutionized productivity for all types of businesses and organizations. This AI technology is cutting edge. **RPA (Robotic Process Automation)** has brought about a revolution in **productivity** for all types of companies and organizations. In the **digital economy**, companies have had no choice but to establish **scalable and sustainable business models in** order to compete in a complex, changing and rapidly evolving environment. **Optimization** is one of the keys to designing **functional business structures that respond efficiently and quickly to market needs**, leaving aside bureaucratic and repetitive tasks, so that the most valuable asset of an organization, its human capital, pays attention to qualitative aspects, having already solved the quantitative part, which will help it make better decisions. **Information management, data collection, storage, processing and analysis** are some of the main areas that RPA addresses, among others, being able to provide an answer for **operations related to customers and sales**, **security** or **regulatory compliance.** ## **What is RPA and what is its purpose?** RPA is the term we use to refer to [**Robotic Process Automation**](https://www.tecalis.com/products/rpa-automation), that is, the use of automated bots that manage certain processes in an efficient and agile way. Today, many companies are struggling to **meet objectives due to inefficiencies in certain projects and departments**. Finding **qualified professionals** is becoming more and more of a challenge, so making the most of the capabilities of these skilled professionals is a pressing need. Several studies concluded that **only 43% of the time spent is spent on valuable tasks**. RPA solves this problem **by taking over certain manual, repetitive or mechanical tasks** that, when performed by qualified professionals, often lead to a waste of **resources and time**.  On the other hand, another challenge that companies face is **errors in repetitive tasks**. It is very common and common for human agents to make small errors in certain very mechanical processes, as is normal. In addition to generating **frustration, idleness and demotivation in these employees** who are entrusted with this type of task, these small errors can ultimately be a significant aggravation for the final result.  Robotic Process Automation (RPA) systems are **foolproof and error-free if programmed properly**, as they do not have to "type" and perform calculations instantaneously. Therefore, the main value of Robotic Process Automation (RPA) is to boost **productivity** and **efficiency** in any operational area of a company, **reducing operating costs and speeding up the time** required for **processes and tasks**.  The bots, or **RPA** software bots**, perform the employees' tasks for them** so that they can focus on those tasks that really add value **for the company and its customers**. ## **Difference between API programming and RPA software** As you read this article, many may be wondering what the point of **RPA is versus traditional process automation systems with digitized systems**.  The digitization of processes in companies and the implementation of automated platforms is already a reality; so much so that by 2024 three out of four businesses will be using digital platforms in their day-to-day operations. Online RPA automation systems, however, go **a step further** compared to "traditional" digital and process integration tools: they **replicate human behavior in work environments designed for people**. That is, in the case of an administrative employee, for example, the **RPA** soft-bot or bot **operates in the same user interface (UI) in the same way that employees do**. RPA bots move the keyboard, click, type or search in directories in the same way as people do, but without errors and with amazing speed. They **can be adjusted in such a way that they replicate the actions as they are configured.** ## **Other benefits and advantages of RPA** Unlike platforms that have to be used by human agents, **RPA software is up and running 24 hours a day, 7 days a week**. For example, an employee can leave the RPA system running when he leaves and resume work when he returns the next day. These systems can be **combined with** artificial intelligence, machine learning, **OCR**, [**electronic signature**](https://www.tecalis.com/products/electronic-signature), flow validation, etc. to develop complex tasks and perform, for example, assisted [**customer onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) in an agile and autonomous way.  The integration of RPA solutions along the [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions) is already a reality that **some** RPA **providers** are implementing with their customers. With impressive results, RPA is enabling businesses to expand into **new markets, add new customers, activate services and distribute products** without having a physical presence in the new locations with full legal guarantees. ## **RPA technology applications** The implementation of RPA in companies comes from two perspectives: the **easy integration with systems that do not impact the organization's processes at all**, and the more complex and powerful one that does require adaptation time. The best providers are able to offer both models. In the first model, **anyone can use it and implement it in their daily tasks without the need for installations or modifications to processes and tools** thanks to online RPA. They are **non-intrusive** systems that do not alter the organization's systems; they connect to web applications or apps without the intervention of any other personnel. In the second, the more technical professionals in the [**IT**](https://www.tecalis.com/areas/it-operations-digital-transformation) and related areas are given the freedom to develop powerful models together with the supplier. RPA technology **can be applied to any business sector**. For example, in the [**insurance industry**](https://www.tecalis.com/industries/insurance), **checking claims against policies** or cross-checking the information of the person submitting the claim to see if he/she is in the system are two use cases where RPA is able to take over these tasks. We will detail **some** relevant **examples** of RPA implementation: * [**Marketing and Sales**](https://www.tecalis.com/areas/sales-marketing): Here, for example, procedures such as the creation of sales **statistics**, the loading of **audiences and contacts** into databases, the **activation or cancellation of services or the** sending of **logistical requests for the different sales channels** stand out.  * [**Purchasing and supply chain**](https://www.tecalis.com/areas/supply-chain-purchases-procurement): One of the most time-consuming tasks is managing, **mediating, communicating and dealing with suppliers, as well as** processing orders. * **Information and data**: From analysis and performance reporting in the [**financial**](https://www.tecalis.com/industries/financial-services) industry as well as dozens of other use cases in this industry or in the **accounting** areas to data collection for audit reporting. Any data and information process can be automated with RPA. This is just **a small sample of what RPA software can do for a business**. Any use case with mechanical tasks in **human resources, administration or operations function** can be automated. There are use cases as disruptive as being able to autonomously create a chatbot to assist customers. With the best RPA solutions, companies don't have to spend huge sums of money on chatbot development vendors, as they can create a response and behavioral patterns with RPA bots themselves. ### **RPA and BPM (Business Process Automation)** On many occasions, you may have seen the terms **RPA and BPM (Business Process Management)** related. This second technology, which has changed the way operations are managed in all sectors, is capable of **implementing, relating, modelling and executing sets of activities to improve the way in which employees, suppliers, customers and other agents interact with each other and participate in the company's activity**. BPM is a process management philosophy in which processes are **identified**, **their characteristics** are **qualified and their magnitude and cost are assessed**. Once this analysis is done**, the software is selected to optimize the company's activity in** order to offer **more value to both customers and the organization**. This is where **RPA** comes into play**, automating the tasks of the resulting workflow diagrams and monitoring and measuring the new model after its implementation in order to adjust and make changes that will lead the company to success**. ## **The RPA software providers: Different Perspectives** When choosing an RPA, it is very important to consider the vendor that has developed this Robotic Process Automation solution. Not all Robotic Process Automation systems are **capable of impacting the business in the same way** and may not be **designed for the specific use case our organization needs**. In this regard, the best RPA providers offer solutions based on the **latest technologies such as artificial intelligence, machine learning, and blockchain**. Having **capable and powerful RPA robots** is crucial to make the right choice. For example, the company may specialize in [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology). This will give us confidence that all processes developed by the RPA robots **comply with the technical and regulatory requirements of the** business **sector** in which they are to be deployed. On the other hand, [**identity verification**](https://www.tecalis.com/products/identity-verification) **and** [**face recognition**](https://www.tecalis.com/blog/face-recognition) are technologies that RPA systems can leverage for certain use cases. Developers of RPA robots have different approaches to their design and, as we have seen throughout this article, being able to choose between an **agile and simple automation system for non-technical and advanced people** or **powerful integration systems suitable for squeezing the most out of its features** is a clear example of well-built RPA. Many of the vendors develop one of the two systems, but not both in an all-in-one model. Similarly, RPA bots must be able to be implemented in adaptive, structured, and unstructured business processes, thus ensuring that they will be able to operate in any use case that is put to them. --- ## FinTech: Trends in a key industry **URL:** https://www.tecalis.com/blog/fintech-financial-technology **Descripción:** FinTech is one of the most decisive areas of today's economy. Knowing what FinTech is and how it works is crucial to understanding today's economy. **FinTech** has emerged as one of the **decisive areas today**, not only for companies and specific sectors, but as a fundamental key to the **entire economy**. The **dynamics, models and tools of FinTech** have evolved to become something that has transcended its original conception. Their commitment to **innovation** and not being afraid to establish and execute totally **out-of-the-box** guidelines have made possible the **rise and success of this** currently crucial **industry.**  It would seem that we have already seen everything in this area, however FinTech is constantly conceiving **new types of business, tools that make this possible and ways to impact other sectors beyond** finance or banking. ## **What is FinTech?** **FinTech** is the acronym for the terms "**Finance**" and "**Technology"**, **financial technology**. The concept can be defined as the **set of actors (applications, processes, companies, products, business models, and business structures)** dedicated to implementing **innovations** and the use of **technology** to **offer financial services and their derivatives**. Thus, the meaning of FinTech refers to all activities that, for their development, must integrate technology and the development of innovative models when **conceiving, designing, offering, and providing services and products in the area of finance and banking**.  Although it seems to stay there, this **also extends to insurance, financial investment services, and other related areas**. Although these also have their own specific terminology to segment them (**InsurTech, WealthTech...**). Already in 2020, FinTechs were directly lending around 7% of the entire banking and financial sector. This percentage increased fivefold if we refer to their indirect impact through the integration of their solutions in traditional non-FinTech companies. **The year-on-year growth of venture investment in FinTech currently stands at 177%**, with financial technologies focused on developing innovative solutions taking the lion's share of investment. Trends indicate that during 2022 and by next 2023 growth will be sustained at the same level or reach higher levels. An industry that began developing solutions back in the early 2000s with the first online customer areas in traditional banking, has managed to establish **a roadmap for innovation in which to iterate and create new platforms** that enable new opportunities for both businesses and users. ## **FinTech companies: who is leading this area?** We began this article by delving into the definition and meaning of FinTech as a set of actors. This being the case, it is common to wonder how FinTech works and what kind of **ecosystem** has been created around this important area. While there is no single approach to this area given its **breadth and the way it impacts both directly and indirectly on other related industries and sectors**, a number of general categories with subgroups can be established to bring together most of the stakeholders: #### **1\. Digitized traditional financial companies** Companies in the financial and banking sector that are beginning to digitize their operations and offer services and products through online channels. * **Mobile banking**: Area focused on remote solutions. * **Related areas**: Digitalization of insurance companies, investment services or real estate sectors. * **Trade finance**: Trading of international and domestic commercial transactions. * **Equity Finance**: Corporate financing using digital tools. #### **2\. New financial platforms** Companies and businesses that offer financial services and products that would not be possible without technology. * **Neobanks**: Direct online banking that only offers remote services and whose models attempt to differentiate themselves from traditional digitalized banking. * **Wallet cards**: Agile and secure debit card services. * **Distribution of financial products**: Comparative platforms for mortgages or any type of financial product, with or without advice. * **WealthTech**: Financial and investment services based on digital platforms. Also noteworthy in this category are **trading platforms** or innovative **social-trading** platforms. * **Cryptocurrencies**: Crypto asset management platforms included or not in the previous category of general forex market trading platforms. * **Robo-advisory**: Investment in all types of assets programmatically and automated by bots with AI technology. * **InsurTech**: Digital insurers with a proposition similar to neobanks. * **PropTech**: Real estate companies with similar models. * **Online lending**: Whether or not they are integrated with neobanks, new companies have emerged exclusively in agile lending with an online focus. #### **3\. Alternative financing** Financing companies that make use of financial markets and instruments outside the traditional banking circuit. * **Crowdfunding**: Also known as crowdfunding, this mechanism of collective and participatory financing required technology to connect lenders and borrowers. * **Lending or P2P**: Private-to-private lending platforms without traditional financial intermediaries. * **Factoring**: Short-term financing mechanisms based on the advance of collections. #### **4\. Personal finance and management** Home and personal finance management platforms that, with the help of artificial intelligence and other digital solutions, support users in managing their savings and, in addition, offer other types of additional financial products and services. #### **5\. Payments** New payment services based on NFC, instant transfers such as Bizum or payment with facial biometrics, with **PSD2** compliance. **Escrow** payment methods such as paypal also stand out. The **electronic signature** has also brought about an important change in the sale and purchase between individuals on the Internet, for example. #### **6\. Services and Tools** Technology companies providing the technological solutions that make possible the activity, growth and optimization of resources in the players in the categories listed above. * [**Digital Onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees): **Registration and acquisition of new clients** in any market and under any circumstances and channel, complying with the technical and regulatory standards required of FinTech companies. * [**Electronic Signature**](https://www.tecalis.com/products/electronic-signature): Solutions for managing the **contracting** cycle of financial products and services. Sometimes under the same platform together with onboarding. * [**Certified digital communication**](https://www.tecalis.com/products/certified-communication): **Electronic fax** services for communications of any kind between customers and financial services companies. * [**RPA and Automation**](https://www.tecalis.com/products/rpa-automation): Process optimization and automation of mechanical tasks for the operation of FinTech players and digitalized banking. * [**Secure authentication and biometrics**](https://www.tecalis.com/products/authentication): Establishing access controls to FinTech platforms based on multi-factor strategies, including biometrics as one of them, is causing companies to allow their customers to operate in their enabled zones to perform checks under any level of risk with security. Facial recognition technologies are already playing a decisive role in FinTech and will continue to expand. * **Blockchain**: Traceability of operations and security for any transaction of FinTech companies, * [**AI and Machine Learning**](https://www.tecalis.com/areas/it-operations-digital-transformation): From conversational bots to system integrations * **Financial Sandbox**: Creation of product and service development environments and their regulatory framework to design new FinTech ecosystems. #### **7\. Compliance and regulation** The FinTech sector, like traditional banking and finance, must comply with industry regulation and standards in each market in which it operates. These standards are very concrete and specific and companies in the industry **face two major challenges**: Facing million-dollar and even criminal **penalties** for failing to establish **exhaustive controls** and discouraging potential clients with **tedious and complex** controls. FinTech companies specialized in regulation provide a coordinated **response** to these two problems: * [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology): Companies focused on supporting or outsourcing the **compliance** function in FinTech companies with the use of technology, converting **approval processes that would take days** or weeks under traditional conditions to be closed in minutes with the same or greater security and legal backing. * [**Identity Verification**](https://www.tecalis.com/products/identity-verification): Focuses on the [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer) and **Know Your Business (KYB)** requirements needed in the industry to onboard customers and be able to offer them products and services securely. * [**Anti-Fraud Controls**](https://www.tecalis.com/products/anti-fraud-controls): Fraud prevention and risk management tools to comply with [**AML (Anti Money Laundering)**](https://www.tecalis.com/blog/aml-anti-money-laundering) policies in an automated way and in any region. Currently, **FinTech is tending towards a specialization model**. In this sense, we can say that although large companies continue to innovate in their technology departments, they are increasingly relying **on [specialist partners](https://www.tecalis.com/es/eventos/secure-payments-2021)** who provide them with solutions for their specific use cases with **adapted and scalable technologies based on digital platforms**. ### **What specialized FinTech companies bring to the table** Both large and small companies in the financial, banking or insurance sector do not have to invest in costly and time-consuming technological developments and can turn to **startups or digital platforms** that, as specialized FinTech companies, have already developed these tools and are constantly updating them. These specialist FinTech companies enable agile and rapid deployment thanks to their unique, segmentation-based model: * They develop platforms that, in compliance with the most demanding technical and legal standards, **make it possible to offer new financial services and products** that were previously unimaginable. * They make use of the **latest technology** and apply it to the use cases of the sector, being specialists in technology and software development. * They are able to have a **global vision given the breadth of clients they have**, acquiring multidisciplinary expertise and cross-referencing information to develop better solutions. * **They automate and digitize processes** with the use of tools based on artificial intelligence, machine learning and big data. * **They optimize resources and speed up times**, improving with each new update of their platforms. ## **FinTech trends for 2022 and 2023** The current trends for this year and next year in FinTech are based on the [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions) of the customer and user of these companies. This means that companies are focusing and organizing their operations around the new **demands and needs of the new consumer**. The implementation of strategies based on artificial intelligence and the wide extension of **facial biometrics** are technologies that we will see more of in the coming years, with greater user adoption and privacy-focused solutions. Cloud computing and **the development of products and services for FinTech in the cloud**, instead of heavy and complex structures, will mark the way to face the challenges of the sector. Fintech in 2022 and 2023 **will continue to grow at the same pace as it has in previous years or even more sharply**. The regulatory sandbox and the contribution that RegTech has made to it will allow for the expansion and growth of more FinTechs. ### **Digital Platforms for the financial and related sectors** Although we have been talking throughout the article about software and technology providers for the financial and banking sector, the initial conception that we may have is that of digital transformation companies or large consulting firms.  **However, SaaS** and PaaS digital platforms are taking the lead **with end-to-end products that are constantly being upgraded**. FinTechs can now deploy a new line of business in days with the latest technology without having to resort to costly, time-consuming projects. In today's complex and competitive environment, especially in this area, it is crucial to be updated and accompanied by a specialist who implements changes without affecting the structure of the business, ensuring a **response capacity** never seen before and creating **scalable and sustainable models.** ## **Financial technology in other industries** The dynamics and ways of proceeding endemic to FinTech **have spilled over into other industries that have taken advantage of this business model development philosophy** to digitize their own areas and **innovate for growth**. Similarly, **FinTech technology tools and service providers** have **modified** the developments made for this industry so that they are usable and adaptable **to other areas to make them more competitive and scalable**. This is the example of **PropTech** for the [**real estate sector**](https://www.tecalis.com/industries/real-estate), the **automotive sector** with its ancillary financing solutions, **carsharing,** or the **eCommerce** industry of any kind. The [**telecommunications**](https://www.tecalis.com/industries/telecommunications) sector or [**private services (utilities)**](https://www.tecalis.com/industries/utilities) have also made use of the tools and technologies initially developed for FinTech but have a long way to go in their respective lines of business. ## **The relationship between RegTech and FinTech** RegTech and FinTech have shared many headlines in the economic press in recent years. And the fact is that **both areas share not only the focus of action but also the technologies that make their innovative solutions possible**. Banking and finance are, if not the most, one of the most regulated industries and subject to institutional control due to the sensitivity of their activity and the type of operations they perform. For this reason, along with financial technology providers, regulatory technology providers have begun to emerge. This industry, with its own **ecosystem**, not only serves the financial sector but **develops compliance solutions for each and every area of the economy**.  Many businesses believe that regulations and regulatory changes are frictions and roadblocks. However, the reality is the opposite, as **RegTechs**, like their "sisters" and FinTech counterparts, are able to **generate opportunity and growth thanks to the regulatory framework** where others find problems. --- ## What is an Advanced Digital Signature? How does it work? **URL:** https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature **Descripción:** Advanced electronic signature has positioned itself as the most widespread and versatile digital signature method in terms of electronic signature. Advanced electronic signature has undoubtedly positioned itself as the **most widespread and versatile digital signature method** in terms of electronic signature. Small businesses, large companies, professionals and institutions have adopted the use of electronic signatures as an **essential tool to carry out their activities**. The new dynamics and ways of being in the **different markets and sectors** have caused businesses to adapt to be accessible and agile while complying with the **norms that set the standards required in any contracting process**. **From human resources departments to the most recurrent commercial operations,** both in **B2C** and **B2B** environments**,** make use of electronic signatures to **manage their product and service contracting cycles**, the **closing of agreements, certified communications** or the **acceptance of conditions**. However, there are still many businesses and institutions that manage these types of activities without using electronic signatures. This entails a number of significant **legal compliance risks as well as** high **costs in terms of time and resources**. ## **Electronic signature: definition and approach to the concept** Although **the** [**digital signature**](https://www.tecalis.com/products/electronic-signature) **is already a widespread reality and embraced by all types of businesses and institutions**, many professionals are still wondering what the electronic signature is for and how to use it. There are dozens of cases of the use of electronic signatures, being one of the most demanded technologies nowadays. The concept of electronic signature is used to refer to a legal concept. Like the handwritten signature, the purpose of this is the **acceptance and legitimization of the content of a document, in this case, digitized**. It can be done both **in-person and remotely** and provides electronic evidence of the signatory's identity and contractual relations. Therefore, we can state that **the electronic signature is a digital method in which a subject accepts and agrees to comply with the content of a document stored in an electronic medium.** A signatory performs a series of operations in which **is stamped not only a trace that identifies him, but also other factors** that can identify him beyond an easily forgeable graphic. In this sense, the **electronic signature is able to provide more evidence** and security to any contracting or acceptance process.  In the same way, the digitalization of the signature process brings with it a series of notable benefits such as **savings in materials** (paper, ink, printers and **storage** space). This **avoids the loss of documents and their illegitimate modification** and speeds up the work of the employees in charge of **document management, completely automating the process.** ## **What is an advanced electronic signature?** The **advanced electronic signature is one of the methods for the exercise of digital signatures**, together with the simple and qualified electronic signature. Both three electronic signature standards are included in [**eIDAS, the European electronic identity recognition system**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) that is a reference worldwide. For an electronic signature to be considered advanced, it **must meet at least a series of** very specific **requirements:** * The **linking of the identity of the signatory and the** electronic **document** must be **uniquely and untransferable** sealed. * This identity data must enable the **signatory** to be **unequivocally identified**. * The signature must be **created with data that only the signatory can use** and that are under his/her exclusive control. * The **modification** of both the identification data and the contents of the document and its possible annexes must be **prevented** by the sealing method. * In the case of a modification, it must be recorded with full electronic evidence. As can be seen, the characteristics for a digital signature to be considered as an advanced electronic signature give it a **very high level of security and legitimacy**. That is why the advanced electronic signature has become **the most widely used and recognized standard** for, for example, **contracting processes** of all kinds. Its verification capacity is such that the advanced electronic signature is admissible as evidence in any trial, without any doubt. Unlike the traditional handwritten signature, for which detrimental motives could be argued, the electronic signature has **absolute backing and absolute validity**. ## **Simple, advanced and qualified electronic signature: differences and similarities** As we have been analyzing, the advanced electronic signature is one of the three main digital signature standards defined in the eIDAS regulations. Although this is the most widespread, as it provides agility and high-level technical and regulatory support, there are two other types that are useful in certain cases of use: * **Simple Electronic Signature**: The main difference with respect to the advanced standard is focused on the way of identifying the signer. In the simple signature, there is no need to create an advanced user identification pattern. Simply linking the signature graphic to the document in a simple way is enough. These are data in an electronic format that are logically associated for signing. * **Qualified Electronic Signature**: This signature standard must comply with all the requirements that are demanded the advanced one. The only difference lies in the method of creation of the signed document, which must be a qualified device based on qualified certificates. The **simple electronic signature is still secure and valid, but it is more suitable for low-risk processes that do not involve sensitive operations**. It is quick and simple and consists of checking a checkbox or entering a pin code. Use cases such as the **acceptance of terms and conditions of a website or the use of a platform as well as the signing of employees at the end of the month** stand out. **Qualified electronic signatures are usually limited to procedures related to public administrations**, such as the tax agency or other transactions with social security. Its complexity does not make it viable in B2B and B2C environments, relegating it to public use. ## **Biometrics and KYC in e-Signatures** After this analysis, we have been able to verify that there is **an electronic signature solution designed for different needs and use cases**. It might seem that advanced e-signatures are a step below qualified e-signatures, but this has changed dramatically with digital signature solutions that include identity verification with **[biometrics](https://www.tecalis.com/blog/face-recognition)** and KYC processes. The advanced electronic signature requires the creation of signatory identification data that can be more or less exhaustive in terms of reliability. Therefore, **for more demanding use cases the combination of the well-known** [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer) **process together with the advanced electronic signature is the solution**. Thus, there are three types of advanced electronic signature in order of level of completeness: **advanced electronic signature, advanced biometric signature and advanced signature with KYC**. In the first, the identification data is obtained by means of traditional non-biometric controls, such as the DNI, data known only to the individual or telephone verification. In **advanced biometric signature, identity data is obtained from sources inherent to the signing subject**. Facial biometrics is undoubtedly the most reliable and secure method of doing this. The best solutions perform a live check so that the process is foolproof and completely removed from fraud attempts. The **advanced electronic signature with KYC goes one step further** by adjusting to the strictest regulations to close processes of any level of risk that would take days or weeks in minutes thanks to its great support. **All under one and the same procedure**, with no additional complexity. ### **The role of the digital signature in the customer journey** It is worth noting that despite the apparent complexity of all these methods, **the best-advanced e-signature solutions are able to create a simple platform that guides the user through the steps of the frictionless signature process that only requires less than 3 minutes from the user.** Successfully integrating the signature process into a company's customer journey means not losing a single customer because they abandon the process because it is tedious. **It is possible to create a robust and supported advanced electronic signature process while reducing time and bureaucracy**. ## **Applications and use of advanced electronic signatures** Advanced electronic signatures are enabling companies to **close crucial transactions such as** the examples below **in minutes:** * **Opening** [**bank**](https://www.tecalis.com/industries/banking) **accounts or contracting** [**financial**](https://www.tecalis.com/industries/financial-services) **or** [**insurance**](https://www.tecalis.com/industries/insurance) **products and services in any market, remotely and with agility** (mortgages, direct debits, pension plans, wallet cards, investment portfolios...). * **Contracting of services** such as [**electricity, water, gas**](https://www.tecalis.com/industries/utilities) or all types of [**telecommunications**](https://www.tecalis.com/industries/telecommunications) **products**. * Mortgage approvals and pre-approvals, [**real estate purchase and sale agreements**](https://www.tecalis.com/industries/real-estate) for the real estate sector or acceptance of conditions in the **health and pharmaceutical area**. * [**Employee onboarding**](https://www.tecalis.com/areas/human-resources-talent), agreements with **suppliers and partners**, **acquisition** of companies or partnership agreements between them. Thanks to the implementation of digital signatures in decisive operations for companies in all sectors, **both for sales and commercial purposes and in internal processes**, companies can **reduce costs, shorten times and generate trust**. Similarly, **regulatory compliance and support against fraud and risk management** is no longer a problem. **Automating and digitizing** an already obsolete process so that **users can decide to hire both remotely and in an agile way and without risk of loss in physical locations** is the key for today's **businesses to** be **sustainable and scalable**. ## **Managing the complete contracting cycle with Tecalis e-Signatures** The best e-signature solutions should not only provide an agile and simple method of closing deals and transactions. If companies require it, they should be a **comprehensive platform for managing the negotiation and contracting cycle**.  Like collaborative work services similar to what document creation and editing tools offer, electronic signature platforms should be able to be a **space where signatories can edit, comment and work on the signing of the agreement, adding attachments, asking questions** or **making** any conceivable change. All this **activity must be duly recorded and sealed** after the signature in an audit report that provides superior validity to the entire signing and negotiation or contracting process. These platforms must be easily integrated and allow companies to choose whether they want to **use it through APIs by** integrating it into their systems **or opt for a powerful proprietary tool with an interface designed** so that any employee and user can use it with ease. ## **Advanced Electronic Signature and eIDAS (Regulation 910/2014).** **eIDAS (electronic IDentification, Authentication and trust Services)** is the European directive that is responsible for **collecting and recognizing all the uses and requirements for the use of electronic signatures**. The concepts of simple, advanced and qualified electronic signature that we have seen above are defined by this standard. eIDAS is not just another regional standard, as **this international regulation is the basis for many other electronic signature regulations beyond Europe.** Its pioneering spirit and the depth of its development have made it the **standard of reference for the practice of electronic signatures**. [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2) is the second update proposed by the European Commission to deepen digital identity and will continue to give even greater support to digital signature solutions that comply with its standards. ## **Electronic Signature Regulations around the world** While **complying with eIDAS means complying with the most stringent electronic signature regulations not only in all European countries but also worldwide**, regional rules governing the exercise of digital signatures must always be considered. In most countries there are no signature regulations, so **complying with the standards proposed by eIDAS is an insurance against possible incidents that could take a contract to court**. In the absence of such regulations, judges tend to give greater validity to an electronic signature with complete and demonstrable electronic evidence in court than to a simple handwritten signature on a physical document. Outside Europe, the use of common law by **American countries stands out**, including the **United States and Canada as well as the Latin American region (specifically Argentina, Brazil, Chile, Colombia, Mexico and Peru**). They have regulations that recognize the legal value of both electronic signatures in their territory and foreign electronic signatures, so the use of these solutions throughout the world is guaranteed. In the United States, we must turn to the **ESIGN** regulation of the year 2000, since it admits electronic signatures as legally binding, and in **Canada,** the **Personal Information Protection and Electronic Documents Act** does so. To operate in **Mexico**, for example, we must consult Article 1803 of its **Federal Civil Code**, while in **Spain**, a European Union country, it is the **LSSI** with its Article 23 that ratifies everything contained in eIDAS with additional considerations in Article 299.2 of the Civil Procedure Act. **Australia** has had rules on electronic signatures since 1999 with its **Electronic Transactions Act** and in **New Zealand**, with a law of the same name, it was recognized just one year later. **China** has a **specific law on electronic signatures**, and as for the rest of **Asia**, electronic signatures are fully legal in countries such as **Japan and South Korea**, to name but a few. --- ## SCA: Strong Customer Authentication explained **URL:** https://www.tecalis.com/blog/sca-strong-customer-authentication **Descripción:** The SCA (Strong Customer Authentication) standard is a PSD2 system for reinforced user authentication with multifactor MFA or 2FA, even KBA. **SCA (Strong Customer Authentication)** standard is being implemented in businesses in all sectors to boost the **customer journey of leading companies**. Although, as we will see in depth later, we tend to link this term only to **payments**, **Strong Customer Authentication (SCA) is being applied and has a full impact on all types of operations**. SCA has become an authentication procedure that provides **security and trust in the relationship between customers, companies and intermediaries**, if any. In certain use cases, implementing SCA standards **is not only beneficial, but mandatory, as** there are a multitude of **standards** in practically all markets that regulate certain operations and that use Strong Customer Authentication procedures to make them possible. ## **Onboarding or authentication: differences and commonalities** While most experts are able to distinguish between what we know as **registration or identity verification and authentication or, also, authentication,** it is normal for many to wonder what the difference between these two terms really is. **Authentication** is generally referred to as a process that is performed after a customer **is added.** That is when a customer is already registered in the company's database as already, he must **authenticate to access his account** and his data is displayed.  Whereas in [**identity verification**](https://www.tecalis.com/blog/identity-verification) **or** [**digital customer onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees)**, a first step** is taken in the relationship between the organization and the not-yet-customer to perform a series of **checks to verify and confirm their identity in order to create a profile for the first time**. Once the client has been associated with a profile with a confirmed digital identity, he/she can access to **rectify, modify, extend or cancel** his/her contracted products and services. They can also **perform various operations using their products and services, and contract or acquire new ones**. ## **What is SCA Strong Authentication?** The term SCA, Strong Customer Authentication, is used to refer to the **secure authentication controls and protocols** used by companies to **verify the identity of their customers**, especially in **online and remote environments.** While strong customer authentication is used in **physical locations such as commercial offices or stores**, its meaning and birth is preceded by the increase in online transactions. It is here, in these types of channels, where it is more complex, both technically and legally, to certify that a person is who they say they are. As we have already mentioned, authentication is based on prior registration of the customer. In the first registration, known as the [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer) process, the controls are very exhaustive and require a series of specific steps. Once this is done, having registered the customer, the customer's access to the contracted product is **more agile than the initial registration**. In future interactions between the company and the customer, the customer already has a set of **credentials** to access his **management area**, or, for example, **to be legitimately identified through a telephone support call**. Although these should be known only to the customer in question, it is now believed that they can be stolen or falsified. There are authentication methods, such as [**face recognition**](https://www.tecalis.com/blog/face-recognition), that are impassable. However, most companies currently use as user the person's ID number or e-mail address and a numeric or alphanumeric password with symbols that can sometimes be used for illicit purposes. The SCA comes to solve this problem with **strong authentication procedures that use more identification factors beyond the username and password**. ## **PSD2 and SCA: More secure payment services** **PSD2, or DSP2, is the Second Payment Services Directive**. Its predecessor, approved in 2007, already introduced a series of rules to establish the dynamics of online transactions. Now, the new standard advances in the scope of use cases and regulatory loopholes to finally become mandatory. PSD2 not only advances in its **toughness and enforceability**, but also modifies the criteria and requirements for online transactions, **modernizing its proposal so as to dispense with intermediaries.** The new payment services directive includes for the first time the **SCA criteria**, previously only applied by those leading companies that wanted to **offer their users the best experience without sacrificing security**.  These models, which were already being applied, now become mandatory for all **those companies that wish to allow their users to perform sensitive processes remotely, such as the contracting of new services or transactions for large amounts.**  The PSD2 SCA rules directly affect **all financial institutions and related companies (FinTechs, trading, insurance companies...)**. In addition, companies in other sectors where customers perform similar transactions through their online management portals are also obliged to comply with the regulations. In other words, any company that performs electronic payments, remote activities that may entail fraud risks and those that offer digital payment account services (payment fund portfolios) are required to establish SCA processes. ## **The role of facial recognition in authentication** An **authentication factor** is an element in different formats that can only be used, known or possessed by a specific person, and is associated with his or her legal identity. Among the different types of authentication factors, facial biometrics is one of the **most outstanding for** its **uniqueness** and absolute originality. Each person has a different face, with a particular facial biometric pattern with unique mathematical measurements **found only in one subject**. Even in twins, there are major differences, though perhaps sometimes imperceptible to human eyes, that facial recognition software is able to report. This method of identification has played a fundamental role in recent years, being not only a way to unlock cell phones, but also part of the well-known KYC processes and supported by the most demanding regulations in all markets. **The cross-referencing between a person's face and the image on ID documents is the best guarantee in any customer onboarding and authentication process**. ## **Multi-factor strategy MFA** As we have been advancing, access to a system in which products and services are used or in which particularly sensitive information is contained must now, by legal imperative, take place under SCA standards.  They consider a single user credential and password to be frank and forgeable, so they propose the combination of several types of authentication factors. These **can be of:** * **Base information**: Data of any type that only the customer knows, such as an alphanumeric password or pin. * **Possession**: An object or characteristic that the customer possesses. For example, a phone number only accessible by the user to whom to send an SMS or an identity document. * **Inherence**: Something that the user per se is. For example, the face or the iris. Although we could consider coordinate cards as a factor of reinforced authentication of possession, it can be lost, misplaced or stolen. Thanks to the implementation of factors such as biometrics or the implementation of security processes to [**prevent SIM Swapping**](https://www.tecalis.com/blog/sim-swapping), coordinate cards are a thing of the past. --- ## Customer Onboarding: a successful journey for acquisition **URL:** https://www.tecalis.com/blog/customer-onboarding-what-is **Descripción:** Customer or digital onboarding is the critical phase in acquiring new customers and retaining existing ones. New customer acquisition is critical. **Customer onboarding** is the **critical phase** for any business in terms of both **acquisition** and future **retention**. A customer's **first** real **contact** with a brand or business is the **foundation** on which the rest of the relationship between the two will be built. In general, the incorporation of a user as a customer of a company is always based on the use of a **product or service that is acquired in the same process**. Ensuring a smooth, comfortable experience that conveys security and trust is necessary to **avoid abandonment rates and maximize conversion**. Designing an **acquisition-focused** and customer-centric [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions) is the best way to ensure that the customer onboarding process ends as expected. In this article, we will discuss in-depth what customer onboarding is, how to do it properly and why it is undoubtedly one of the most important processes, if not the most important, for any business or organization. ## **What is customer onboarding?** Customer onboarding is a **procedure by which a user goes from being a potential customer to being registered as one in the customer base of a business**. The term customer onboarding is also generally used to refer to it. It is the first step taken for a client to be **verified and registered** on a platform, organization or company and involves **a series of controls,** [**data collection and documentation**](https://www.tecalis.com/products/anti-fraud-controls) **as well as verification that these are true.** The term onboarding was initially used by the talent attraction and human resources areas of companies to refer to the time in which new employees join and adapt to the company. However, it was adopted by sales, IT and legal departments to refer to the acquisition of new customers and users. While this is nothing new, as it has been done for decades since companies established standardized processes in their operations, the digitization of customer onboarding is more recent. ## **Digital onboarding: more autonomous and satisfied customers** The digitization of processes came to organizations decades ago with two clear objectives: **optimization and growth**. Now, users demand **digital and remote access to their brands, products and services**, whether to **make use of them, manage them or acquire new ones**. [**Digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees), or digital onboarding, is nothing more than the technological transposition of traditional customer onboarding. Previously, onboarding processes had to be carried out in person and required tasks such as photocopying, processing printed documentation or mechanical work by agents in sales offices and stores on their computers. Now, digital customer onboarding platforms are able to offer **agile processes, more secure than ever and automated compliance with the most demanding regulations without generating frustration and friction for customers**. The benefits of digitizing this process with a cloud platform capable of integrating across all channels that a customer can access, while creating new ones, respond to the demands and needs of existing customers. ## **Key considerations for a successful customer onboarding** How to do successful customer onboarding is the question many businesses ask themselves when establishing their **marketing, sales or compliance** strategies. There are a number of key aspects to consider when creating customer onboarding that not everyone spends as much time on as they should. Only a **professional and specialized approach to customer onboarding** will be able to optimize processes to avoid abandonment in the middle of the process and increase acquisition thanks to a flow that guides the user towards conversion. On the other hand, there are a number of **technical and regulatory aspects that cannot be ignored** at all, as many companies have had to face significant penalties or major risks because their **customer onboarding processes were not adapted to the requirements demanded** by the authorities from companies in their industry. Here are the 5 key aspects to understanding how customer onboarding should be approached: ## **1\. Attraction strategy design** First of all, a **study of the current state of the processes related to the onboarding of new customers** must be carried out. Prior work must be done to analyze and understand both the business and the sector to which it belongs as well as the different customer profiles that will be users of the digital and onsite onboarding processes. Having experts in the industry, as well as customer onboarding specialists is a guarantee of previous quality research that allows us to create **a process adapted and adjusted to the needs of the business and the customers**. ## **2\. Evaluation of sectoral regulations** As part of the first phase, but with sufficient relevance to give it detailed attention, knowledge of the **norms, laws and regulatory standards** that affect both the onboarding of the client itself and the industry to which the business belongs. While it is true that establishing demanding processes with maximum security is the best decision regardless of the type of business, there are certain areas such as [**finance**](https://www.tecalis.com/industries/financial-services)**,** [**banking**](https://www.tecalis.com/industries/banking)**,** [**insurance**](https://www.tecalis.com/industries/insurance)**, trading or** [**telecommunications**](https://www.tecalis.com/industries/telecommunications) that are subject to **specific regulations that indicate how customer onboarding should take place in that industry.** Know them and consult [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) experts on how to comply with them before, during and after customer onboarding processes Many digital solutions help to comply in an automated way (and that **is updated without impacting the business in case of regulatory changes**) with the most demanding standards in an incredibly simple way for both users and the company's operations. ## **3\. Choice of channels** Customer onboarding can occur on very different channels. Designing a **cross-channel** experience is critical, as many customers may start the process on one **device** and want to jump to another because they experience some kind of difficulty with the first one. Differentiating between **online and offline should not imply a change** in onboarding. In other words, the **solution implemented should be the same and digitized**. This will not only offer a **consistent and global experience** to customers, receiving the **same quality** regardless of where they have chosen to interact with the business, but it will also **save the company resources and costs as** well as boost **productivity** among its employees. The answer here, then, is simple: everyone. Having a global customer onboarding system that can be implemented in any channel is possible thanks to **holistic digital platforms that are offering innovative software adapted to any channel**. ## **4\. Onboarding integration into the customer journey** Companies have their own dynamics and work with established systems that they may have been using for years. Reinventing the way in which customer onboarding occurs in the customer journey must take into account **the systems and processes involved, on** the one hand, and the **user experience and interactions that arise**, on the other. Making changes is necessary in order to **grow and be productive**, however, it must be done carefully and with the right choices. **The best customer onboarding partners are able to minimize the impact of integrating a new onboarding solution**. ## **5\. Post-onboarding operations** After digital or face-to-face onboarding, the customer journey does not end. There are dozens of possible interactions with the new customer and the same platform that managed the onboarding is capable of **handling new product and service contracts,** [**certified communication**](https://www.tecalis.com/products/certified-communication) **with the customer, and the** [**automation**](https://www.tecalis.com/products/rpa-automation) **of tasks associated with after-sales or any back-office operation**. Building a **productive and efficient organization** by establishing agile and automated processes throughout the customer journey is a reality that holistic solutions have made possible. After the renewal of the process, it is crucial to **evaluate the success rates** of the integrated digital onboarding solutions so that they **never fall below 95%**. Not all systems are capable of delivering a smooth and frictionless experience, something that will keep these indicators in check. ## **Know Your Customer and eSignature: driving customer onboarding** Both [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer) and [**eSignature**](https://www.tecalis.com/products/electronic-signature) solutions are decisive in any customer onboarding strategy. So much so that this phase of the customer journey would not be possible without integrating these two procedures.  A user becomes a customer when deciding to make a purchase or contract, moments in which KYC and contracting are not only an option but mandatory by law. ### **Identity verification** Identity verification and strong authentication are mandatory requirements and take place at customer onboarding. In digital onboarding, **streaming video** [**identity verification solutions**](https://www.tecalis.com/products/identity-verification) **can onboard customers in less than three minutes** thanks to their AI-based digital proposition and polished interfaces. Implementing a digitized identity verification process in onboarding not only demonstrates that the company is committed to security and transparency in its customer-related processes, but is **now, especially in certain business sectors, a legal requirement.** ### **Contracting** Recruitment is one of the most delicate parts of the onboarding process. This is where users sometimes decide not to proceed. Conveying **transparency and reducing friction to zero by guiding the user through the flow of the onboarding process** will determine the success of the operation. A customer who does not sign up can join, yes; but the initial objective of onboarding is to register the user with a customer account so that he can **enjoy and use the products and services offered by the business**. **If we do not have a proper onboarding solution, customer onboarding will not be successful**. Having a powerful digital signature tool will ensure contracts. Additionally, in **B2B** environments it is essential that the solution is not only based on the signature itself or on the acceptance of conditions but that it is capable of being a **collaborative space for negotiation and interaction between both parties**. The best practices in electronic signatures are those that allow the system to be molded to **offer an agile and fast signature in B2C environments**, focused on conversion and another detailed and detailed one in B2B businesses. ## **Steps in digital customer onboarding** As we have already mentioned, the KYC process is responsible for verifying the customer's identity during the onboarding process. In the case of digital onboarding, the **eKYC is responsible for ensuring an automated and compliant procedure**. The basic phases in customer onboarding are: 1. The new customer accesses **the onboarding platform**, registers his **basic data and chooses the products** to be contracted. 2. **Know Your Customer** takes place, where the customer's identity is verified by validating and registering their **identity documents on both sides and cross-checking this information with** [**face recognition.**](https://www.tecalis.com/blog/face-recognition) 3. Checks are made to verify the **originality and veracity of the data and documentation provided** by the customer before giving access to the products and services of the brand, platform or business. 4. In case of requiring the sectorial regulation depending on the operations to be performed and the type of product to be contracted, **a human agent can corroborate what happened in the previous steps**, in a simple and uncomplicated interface. 5. The process is completed and the customer obtains **credentials to make use of your products and services or to contract new ones in your management area**. The **benefits** of digital onboarding are numerous and have enabled companies in all industries and sectors to **expand into new markets without the need to invest large sums of money or have a physical presence**.  Standards associated with digital onboarding such as [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) **or the** [**AML**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) **and** [**SCA (Strong Customer Authentication)**](https://www.tecalis.com/blog/sca-strong-customer-authentication) [**standards**](https://www.tecalis.com/es/blog/aml-anti-money-laundering) have changed the rules of the game, allowing businesses in sensitive sectors to **operate in weeks in a market of more than 500 million users and even worldwide**, since complying with such comprehensive standards is a sure way to implement their activity in any country or region. --- ## Know Your Business (KYB): Qué es y cómo funciona **URL:** https://www.tecalis.com/blog/kyb-know-your-business **Descripción:** The Know Your Business (KYB) process is related to the more widespread Due Diligence. Essential in B2B, it has been implemented in lots of businesses. **Know Your Business (KYB)** process has taken a place of relevance next to the better known and more widespread **Due Diligence.** What was once a voluntary security measure has now become **mandatory by law** for most **businesses and institutions**. Now, in addition to verifying the **identity** of individuals, they must also **verify the identity of legal entities and their members**. Performing a Know Your Business process is essential to get to know the company you are working with and **establish a B2B framework of mutual trust and guarantees**, but above all to **avoid any type of illicit and fraudulent practices.** ## **Suppliers, partners, associates and other companies: establishing a secure framework** In **business**, before **forging an alliance or signing an agreement** with another party, a bond of trust is needed to arrive at that common benefit for the parties involved.  There is no better way than starting a business relationship knowing that our **supplier, partner or associate** is trustworthy and has lawful intentions. **Transparency** is key in these processes and by establishing Know Your Business controls, we ensure that everything is as told and expected, avoiding fraud attempts and bad experiences.  Companies have been pushed to deal with suppliers through non-face-to-face means and, if this was already a reality years ago with digitization, the turn of events has boosted it even more. No longer only for supplier relationships but also in SME environments where both must collaborate on joint projects. Given the current state of the economy and society resulting from the healthcare situation, there has been a **boom in the hiring of freelancers and freelancers to** work with as suppliers. Establishing a reliable relationship with them from the outset is imperative to avoid unpleasant surprises and ensure a smooth start to business relations between the two parties. Similarly, **remote work** and remote relationships in **Business-to-Business** environments have necessitated Know Your Business tools to make these remote interactions secure and reliable.  On the other hand, KYB has been the answer to many of the challenges faced in the early stages of **Due Diligence** processes, for example in mergers or **partnership agreements to expand into other markets**. The Know Your Business process makes it possible to **acquire, merge, buy or agree within a framework of security like never before**. Operating with peace of mind and knowing that we are establishing a relationship with a reliable partner adds productivity to all operations and ensures their success. ## **What is Know Your Business - KYB** Know Your Business (KYB) can be defined as the **process of verifying the identification information provided by a business**. When we talk about conducting an investigation to verify the identity of a legal third party, we are talking about performing a KYB.  This process is located **within the phases of Due Diligence operations** and is a streamlining tool for processes that previously required a lot of time-consuming research and administrative tasks, yet with less reliable results. Thus, KYB (Know Your Business) is the insurance to establish B2B relationships with confidence before making any important business decision. The Know Your Business process includes many of the characteristics of the most well-known and widespread [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer). As with [**eKYC**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer), the digitalization of KYB has brought about a great change, helping to speed up times, close deals in minutes instead of days and reduce the costs of this type of control. ## **Know Your Business (KYB), Know Your Customer (KYC) and Due Diligence: How do they relate?** Know Your Customer, also known as **CDD (Customer Due Diligence),** has a close and peculiar relationship with Know Your Business. These two security and verification tools share their main objective: to create a guaranteeing framework prior to any business relationship between a company and another subject. KYB Know Your Business and Know Your Customer **share technology and procedures**. KYC is used by all industries, but especially those related to **banking, finance, insurance and related industries** to combat money laundering and identity theft, with the associated risks that this may entail. In addition, performing both KYC and KYB checks is no longer an option, it is **mandatory by law**. [**AML rules**](https://www.tecalis.com/blog/aml-anti-money-laundering) **or regulations such as** [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) set the technical and regulatory standards that must be followed before transacting with customers or businesses. All financial institutions and companies that carry out payment transactions in any sector are required by law to implement KYB processes for the verification of the companies with which they work or if there is any flow of money between them. ### **UBO: Ultimate Beneficial Owners** This concept refers to persons with **both indirect and direct control over a company or organization as well as the owners** of the company or organization. Know Your Business and due diligence processes seek to identify them and ensure that the information provided by the company wishing to work with us is truthful. Beneficial owners are sometimes difficult to identify, especially when working in international environments. **Complying with UBO guidelines is mandatory** prior to conducting operations and KYB is able to ensure who they are so as not to incur risk. Establishing agile and secure [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) is easier than it might seem. Now, scalable digital platforms in pay-per-use format allow companies to develop Due Diligence procedures and UBO records with guarantees and the backing of a trusted third party expert in the field. ## **Know Your Business in B2B** B2B has its specific rules and regulations. We have two B2B perspectives where KYB helps in somewhat different ways: * **Companies with B2C activity**: Here, as we have developed previously in the article, companies have relationships with others as suppliers, partners, associates or potential investors.  * **Businesses with a B2B model**: The company's main customer is another business and not a private individual. In this model, KYB is even more necessary, as it is the key point for a company to operate or not. The opportunities for B2B companies in digital commerce have increased over the years. With this increase, B2B customers have also been evolving along with the reality in B2C companies.  Increasingly, decision-makers in organizations have a profile closer to the millennial. This has meant a complete transformation of the way of doing business and has brought the demands and needs of the usual consumer in the Business-to-Consumer to the Business-to-Business. ### **Electronic signature and KYB** These two tools**,** [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **and Know Your Business**, are intertwined and complementary in B2B business models. Thanks to the combination of these tools under a single process, companies of this type have managed to boost the closing of opportunities in a previously unthinkable way. **Contracts and agreements are** now **closed in less time than ever before thanks to the implementation of holistic platforms** that include identity verification and electronic signatures in conjunction. At any time and place, decision-makers can sign contracts or delegate the signature to others with full legal backing given the reliability and security of these solutions. ## **How to choose the right KYB partner** There are several key aspects when choosing a Know Your Business solution for our business. One of the main ones is that the partner is a proven [**RegTech expert**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology), with extensive knowledge of regulation and that adapts its products every time there is a slightest regulatory change. On the other hand, it is crucial to take into account the **interface** aspect **and the experience of the subject performing the electronic signature or Know Your Business process**. On many occasions, bad practice in this sense and a rupturist integration can increase the abandonment rates and the loss of commercial opportunities. Finally, the KYB system provider must be a **specialist and know the industry to which you belong** so that the Know Your Business tools are adapted to the specific use cases of the business model. The best companies tend to be those that know and have worked on use cases from all business sectors and operational areas of the company. ### **Who is affected by Know Your Business (KYB)?** The process affects any and all **companies in any sector that have relationships with other companies**. However, **the law binds all those in the financial and related sectors**, as well as payment companies or merchant acquirers that engage in intercompany transactions and transfers. Automating the business verification and auditing process has been successful in **driving acquisition, deal closure and cost and time savings** for companies of all types, but especially those most strapped by regulation. These companies, at times, **establish exaggerated and tedious security procedures because they do not have an agile technology** that, with the same legal backing and security, is capable of complying with the most demanding regulatory requirements while being developed simply and quickly. --- ## InsurTech: What is it and what will it look like in 2025? **URL:** https://www.tecalis.com/blog/insurtech-insuretech-what-is-ecosystem **Descripción:** InsurTech is the future and present of the insurance industry. Understanding how this area is impacting insurers' products and services is key. **InsurTech** has emerged as not just the future but **the present of the insurance industry**. Understanding the extent to which this area is impacting **the insurance industry's products and services** is complicated and easy at the same time. While we might consider this term to be recent, the digital insurance offering has already been established for a few years now. Due to its youth, it may still be difficult to speak of a consolidated **InsurTech ecosystem**, unlike what is already happening with its sibling, FinTech, but we can safely say that it is already a reality that not only other businesses have taken advantage of. There is a group of native InsurTech business models and service propositions that are reinventing the insurance offering as we know it to create a new way of understanding this mature and storied industry. ## **What is InsurTech and what does it mean?** Also known as InsureTech, InsurTech is the industry dedicated to **offering digital solutions related to the insurance sector, its products and services**. The words "Insurance" and "Technology" make up a term that has been gaining more and more followers in recent years. We can safely say that the vast majority of professionals are familiar with the term [**FinTech**](https://www.tecalis.com/blog/fintech-financial-technology), but, on the contrary, there are many who are still wondering what InsurTech is. As with the former, its focus is on the use of technology and digital solutions for the development of a new proposition. This new InsurTech proposal can be carried out **by both traditional insurance companies and new startups in the sector** that base their strategy on the use and application of technology to make their business model possible. The **development of** [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **solutions,** **online product and service contracting****, as well as** remote **trust services,** have laid the groundwork for making InsurTech possible. The insurance industry has seen a **significant reduction in the number of customers under the age of 35 over the last decade**. The so-called millennials show half the interest of their predecessor generation in taking out products and services, while the next segment of users (Generation Z) shows a quarter of the interest of their predecessors. Aware of the **demands, needs and expectations of the new consumer profile**, the insurance sector has found in **InsurTech the answer to them**. The proposal of this way of understanding insurance fits in with the new generations and thanks to its agile component is capable of transforming itself and offering a **broader and more segmented proposal**. The conglomerate of InsurTech-related businesses was already worth an aggregate value of more than 23 billion in Europe alone in 2021 according to a study by Mundi Ventures. This, accounted for about 25% of the value of FinTech. ## **InsurTech ecosystem: how does it work?** The functioning of InsurTech is only possible thanks to a large **network of different companies**, each one focused on certain aspects that make it possible to offer its solutions. While many of the components that serve the financial sector to power FinTech are the same as those that serve InsurTech, there has been a proliferation of **specialist businesses that focus on the specific use cases of the insurance sector** and have repurposed them for digitized transposition. In this way, and broadly speaking, we can say that the following sub-areas are part of what we understand today about how the **InsurTech ecosystem** works: ### **Traditional insurers digitized** These InsureTech players are emerging as those with the **largest shares of investment in technology**, relying on innovative startups to transform their usual systems and adapt them to the dynamics of native InsurTech. ### **Digital native insurers** These types of businesses are born out of a digital approach to the insurance industry. Without the technology that makes it possible for insurers to operate online and new tools to establish [**digital customer journeys**](https://www.tecalis.com/blog/customer-journey-360-solutions), these companies would not exist. These InsurTechs bring a new, **more versatile and flexible** approach to **life, home, vehicle or home** insurance. Among others, those dedicated to the following sub-areas stand out: * **eHealth**. * **Flexible life** * **Usage-based car and motorcycle** * **Commercial and business** insurance **with participative financing** * Smart **home** ### **Additional insurance on FinTech products** Just as the traditional banking and financial sector offers insurance products and services, FinTech takes the opportunity to offer a wide range associated with its own services. **Wallet cards, trading platforms or even e-commerce**, when selling technology products, offer insurance with InsurTech models within the core of their business. In many cases, they also act as **partners of native InsurTechs**. ### **Distributors and comparators** Perhaps this is one of the most representative categories of InsurTech and FinTech, as certain players gained great visibility a few years ago, even in television media, achieving **significant notoriety and unifying under the same digital platform all the insurance offerings, both traditional and digital-native in comparators and distributors.** ### **InsurTech providers and technology for the area** These companies do not usually provide insurance services and products per se, but they **enable the operation of those that do thanks to their digital developments**. InsurTech providers of the following technologies stand out: * [**User registration**](https://www.tecalis.com/products/identity-verification)**,** [**contracting and signing**](https://www.tecalis.com/products/electronic-signature) **processes, and** [**customer onboarding**](https://www.tecalis.com/blog/customer-onboarding-what-is). * **Automated** [**AML**](https://www.tecalis.com/blog/aml-anti-money-laundering)**,** [**KYC**](https://www.tecalis.com/blog/kyc-know-your-customer) **and related** **controls** **and regulatory security**. * [**Certified communications**](https://www.tecalis.com/products/certified-communication) for policy expirations, rate changes, renewals... * **System automation and platform operation.** * [**Facial recognition**](https://www.tecalis.com/blog/face-recognition) **for authentication.** * **Traceability and security based on blockchain technologies.** **Customer service platforms, service buyers or insurance marketplaces need the solutions of RegTech providers in order to operate**. All these players framed within the value chain and offering tools for the customer experience as technology providers are not the visible face of the sector, but they are responsible for driving the "manufacturers" so that they can **increase their growth, expand and operate with guarantees and security**. ## **Plug and Play solutions for the InsureTech area** One of the challenges for companies in the InsureTech sector is to ensure smooth and agile market deployments in crucial processes such as **customer onboarding, document and data management or fraud prevention.** The best technology providers are those that integrate their solutions into insurance companies **within days and without impacting the business**. Ensure **scalability** and the fact that the platform is not forced to commit to costly developments by being able to integrate agile and versatile solutions adapted to insurance use cases. In recent years some of these InsurTech providers have created plug and play digital platforms that are ready to deploy. ### **InsurTech trends for 2024 and innovative companies** As we have been anticipating, one of the key points to keep in mind is the **cross-supply of products between FinTech and InsurTech**. Firms and companies in the industry are either integrating new products and services or forging alliances with similar companies to create a broader distribution network. The trends that InsurTech companies will show will come from the hand of **flexibility**. To adapt to new consumer demands, we will see a great deal of product innovation focused on flexible insurance that can be modified at any time. **Changing these rates dynamically or, for example, innovative insurance policies such as those in which you pay only for the days you use a vehicle or second home** **will require agile** **and powerful** [**e-signature solutions**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) **capable of creating a seamless and personalized user experience.** --- ## What is Proctoring? Making online testing more secure **URL:** https://www.tecalis.com/blog/proctoring-online-exams-tests-evaluations-supervision **Descripción:** Proctoring is the online evaluation method that supports and assures e-learning, putting it on par with classroom-based training. Proctoring has changed **e-learning** forever. Online learning has gone from being an alternative to becoming the **most demanded educational method today** at certain levels of **education** and for certain **training models** and other certification and competency assessment companies. Teaching has undergone a **great change in the last decade**, especially in the last few years due to the healthcare situation. **Online education and training** have been the only viable way to deliver content safely over the last two years. Beyond exceptional situations, online training has been with us for a long time. The challenge now lies in **designing agile and guaranteed teaching platforms** to, once and for all, put online education and training on the same level as face-to-face. This is already possible and [**EdTech digital tools designed for the education**](https://www.tecalis.com/industries/education-training-elearning) and training [**sector**](https://www.tecalis.com/es/industrias/educacion-formacion-elearning) are making **companies and institutions of all kinds grow and be recognized at the level of traditional ones and even higher**. From online virtual training strategies to disruptive educational solutions to exams for public administration competitions or human resources consultancies, online **training, education and training** are a guaranteed reality. Much of this recognition lies in the ability of their platforms to **create a safe and reliable environment in which to learn and test**. This is where **proctoring comes in as a response to the challenges that previously kept e-learning from the expected confidence**. ## **What does proctoring mean?** Proctoring is the term used to refer to the **supervision controls performed during an online examination**. Although its use is generally directed at proctoring itself, the term proctoring is also used to refer to **comprehensive online examination platforms**, and not only to the action of proctoring. Thus, we can say that **proctoring is a set of tools focused on the proper development of a** remote **evaluation** or examination **process.** Among these tools are those dedicated to avoiding, for example, identity theft, students copying or being distracted. **Proctoring tools**, as we have already mentioned, can range from a simple camera control in which a teacher checks that the student is taking the exam online without distractions or copying, to comprehensive platforms where the exam can be taken and which include artificial intelligence to follow the examinee's view. For example, in many universities or for competitive examinations, students are required to have their ID on the table at all times and sign the exam on the last page. **This ensures that the person taking the exam is who they say they are**, with the teacher checking that the face, name and signature correspond. **Proctoring is a digital solution to this problem in online exam environments**. Under these conditions, remotely and using a device that does not usually belong to the organization, controlling identity fraud or preventing students from copying or performing any fraudulent activity during the exam is much more complicated. ## **Training companies or educational institutions** It might seem that proctoring tools are only available to large companies or, on the other hand, that they only make sense in universities and educational institutions supported by the public administration. However, **the best solutions are capable of adapting to each use case and type of organization**. Here, two key concepts to take into account when choosing which proctoring service to hire arise: * **Scalability**: Scalable proctoring solutions adapt to the online testing needs of companies and educational institutions. They are a model that works on the basis of **the number of students taking assessment tests**. They are best suited for e.g. **in-company training courses**. * **Holism**: Solutions with a holistic perspective **cover the student's entire examination cycle**, from before, to during and after. These holistic solutions often include tools not only for proctoring, but also for taking the exam. Having a digitizing partner capable of offering both solutions and creating a customized offer is the insurance to take advantage of proctoring without neglecting any aspect relevant to the needs of the organization and the learners. ### **Proctoring applications** Many ask what the key uses of proctoring are and, as we have seen, proctoring can be adapted to any type of teaching: * **Certification agencies**: In this way, they can expand their business by allowing remote evaluations and being more competitive by lowering costs by not needing testing centers. In the same way, they can expand to any market and issue certifications without any problem in the face of audits. * **Employee training companies**: Proctoring is necessary both for [**talent and human resources departments**](https://www.tecalis.com/areas/human-resources-talent) of companies and for those specialized in corporate training, given the dynamics of today's organizations. * **Occupational Risk Prevention**: The training and certifications required for employees and mandatory in terms of ORP must be obtained under a guarantee system for possible audits. * **Assessment providers**: These specialized companies will only be competitive today if they have a proctoring technology partner that integrates their controls into their assessment systems. * **eLearning**: Paid or free online learning platforms such as course schools, masters, MicroDegrees or MOOCs. Proctoring will provide crucial support to the recognition of their private certifications, as well as if they have certified partners such as universities. * **Public and private universities**: Whether for face-to-face, online or blended learning, proctoring applications in these educational institutions save time, resources and ensure that they remain reputable institutions. * **Institutes**: Especially in high school and for language tests that will issue certificates. ## **Types of proctoring** Not all solutions are at all the same. There are many ways to approach online testing and understand what complete testing software should be. Depending **on its scope, the additional tools included or the type of technology it relies on**, we can talk about different types of systems. In any case, in general terms, **the most common categorization of proctoring is based mainly on the type of supervision** provided to the student who is taking an online test or exam: 1. **Continuous human supervision**: In this type of proctoring a human supervisor supervises through a camera in a way that would be similar to the supervision done by a teacher in a classroom. Typically, a single supervisor could supervise between 16 and 32 students at the same time. 2. **Deferred supervision under-recording**: Here, an audio and video system will record the examination, which will be sealed at the end of the test together with the recording. This model is essentially based on its deterrent capacity since, although the recording can be consulted at any time after the examination, these are usually only checked in the case of very obvious suspicions. 3. **Fully automated monitoring**: These systems use all available technological capabilities to perform real-time monitoring with superior and more comprehensive controls than continuous human monitoring without the need for constant supervision by a person. A mixed system capable of adapting to teachers and students as well as to the test or exam in progress depending on the subject or the evaluation to be carried out will be the most versatile proctoring software and, therefore, the most complete and guaranteed. Some will opt for a more human and closer model with continuous human supervision and others for the efficiency and cost optimization and agility that full automation provides. **The best EdTech partners are able to tailor their platforms to suit each use case** and allow the educational organization to choose the model they need at any given moment. **Contracting an online exam proctoring system** can be complex, but will be accepted if the vendor offers easy integration without complex installations and extensions that create friction and complications for both the student and the organization's IT teams.  Regarding the contracting model, there are **licenses per exam to apply in standardized tests and specific certifications, licenses per user to evaluate the same student for prolonged periods or pay-per-use integrations providing a system that the teams integrate into the virtual campuses through APIs.** ## **Cutting-edge technologies that make online exams possible** **Fully automated monitoring systems** are those that are able to squeeze **all the advantages and benefits of proctoring**. In particular, they have proven to increase the productivity of companies and educational institutions and human resources departments and reduce their operating costs. The most advanced technologies are adapted to the best proctoring solutions to make it more capable, secure, efficient and autonomous. They are usually differentiated by the type of filter chosen by the evaluation platform: image, audio, actions, objects, location, combined... * **Documentary evidence of the evaluation**: Generating audit reports is crucial for official certifications and training tests for public administration and license recognition. A complete document is generated with the test, your answers, the student's identity and the events that occurred during the test. The test is signed and the evidence remains to be used in case it is needed. * Strong [**authentication**](https://www.tecalis.com/products/authentication) to platforms and registration: Prior access to the platforms where online exams take place must be done securely and with a multi-factor strategy to avoid any risk. * [**Face recognition and biometrics**](https://www.tecalis.com/blog/face-recognition): Thanks to the cameras on the laptops or installed on the computers where the test is going to be taken, artificial intelligence checks the student and what he/she is doing, alerting a teacher or person in charge in case he/she is distracted or an attempt to copy is detected. If the computer does not have a camera, the platform can be linked to a second device such as a cell phone so that its camera is the one that performs the monitoring. These systems analyze both the student and his or her environment, **detecting any type of fraud in the exams with total accuracies**, such as earpieces, background voices, third parties or other devices that may be watching. Even if they do not appear in the recording, their reflected screen brightness or other aspects will be taken into account to accurately detect cheating attempts in online exams**.** * **Registration of on-screen actions**: With screen sharing, the student will not be allowed to switch browser windows or tabs to view other content, ensuring that what he/she responds to is acquired knowledge. The best solutions not only allow test-type exams but also the resolution of mathematical problems on digital whiteboards or the writing of texts, detecting copies and plagiarism. * **Alerts to a human proctor**: You can configure the types of alerts to be given and when they will be considered serious enough to stop an exam. Systems can alert a qualified teacher or proctor to your device and automatically connect them via video conference with the examinee. * [**Electronic signature**](https://www.tecalis.com/products/electronic-signature) **of** the exam: After the exam, the student will sign it and validate the authorization to review what happened during the whole test, giving faith. * [**Identity document verification**](https://www.tecalis.com/products/identity-verification): In a face-to-face exam, it is easy for a forged document to go unnoticed by a teacher. The best proctoring tools are capable of detecting forged documentation with superior accuracy. * **Videoconferencing**: For continuous human proctoring systems, having a video call system easily integrated within the assessment platform is the difference between a streamlined exam with a 10 student experience versus models with friction and complications. The use and application of these technologies for anti-fraud controls in online exams **provide superior validity to the evaluation and training tests**. This, in turn, supports the awarding of certificates and enhances the reputation of educational and training centers not only for their **commitment to guaranteed and secure online training**, but also for their innovative technological model. The supplier of these technologies will have to advise and carry out a detailed analysis together with the contracting company to indicate which combination of them is the most appropriate for the organization or educational institution. **Everything will depend on the risks of fraud, the type of evaluations, tests or exams and even the predisposition of the public to the existence of certain controls.** ### **Other technologies for the education and training sector** [**Digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) has shown how education institutions and companies have been able to see **increased growth and reduced costs**. Online education companies see their ability to acquire new students reduced by complex onboarding and registration processes on their platforms. The process known as [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer) is transformed into the one called **Know Your Student (KYS)**, which verifies the student's identity before the incorporation to the educational platform to avoid any type of risk and fraud at the same time that it will validate with more support all the student's actions in the platform, giving greater capacity and guarantees to its results and the verifications obtained, avoiding further verification processes, since in this first one all the necessary data for the subsequent sensitive operations were registered. **[Certified communication](https://www.tecalis.com/products/certified-communication)** has proved to be the answer to changes in examination dates and schedules, but also to sensitive situations such as changes in enrollment or school fees, as well as other types of communications with students and suppliers. [**Automation and RPA software**](https://www.tecalis.com/products/rpa-automation) have succeeded in reducing costs, optimizing processes and minimizing time in all types of companies and organizations in the education and training sector with a focus on students and teachers as well as on the rest of the staff and operations of companies and institutions. ## **How to avoid fraud in online exams** **Malpractices** likely to occur during online exams and assessments undermine the credibility and endorsement of distance learning. **Lack of oversight** leads to the proliferation of cheating and deception during remote education, something that, as we have seen, is being prevented thanks to technology. There are certain considerations to take into account when establishing guidelines for the development of online exams that will help prevent any type of fraud. These include the **use of certain operating systems, browsers and devices**. However, giving learners access to open e-learning is based on being able to do so from any type of device, so we should not condition in this sense, but rather **make the platforms and proctoring controls suitable to work in cross-channel environments**. Designing a **secure flow throughout the entire student cycle** will ensure that no fraud is committed. Thus, starting with **proper digital onboarding**, continuing with **strong authentication (SCA)** and **sealing data with blockchain in an end-to-end system** during student interactions on the platform will deter and provide security in equal parts. **Adding timers to each question will allow students to focus and discourage them from cheating**. While it is beneficial to allow them to jump from one question to another, the timer will be running as long as they are answering a particular question, stopping when they jump to another. ## **Safety and legality of proctoring** Given the exhaustive controls that are carried out during an online examination by proctoring tools, many have wondered about **the legality and compliance of this methodology with privacy and data protection regulations.** [**RegTech**](https://www.tecalis.com/products/rpa-automation) **expert** technology partners take **into account the regulatory framework** when developing their solutions. Likewise, they must analyze how it affects and how the integration of proctoring systems in the specific educational or training framework should take place. ### **Is proctoring legal?** **The answer is a resounding yes.** Proctoring is legal as long as the rules set by data protection regulations and user privacy laws are respected.  The **collection of personal data of candidates, employees or students for** an online assessment test and all data generated during the test must be handled in accordance with the law, the user must be informed of how it will be handled and the possibility of withdrawal must be provided. When the first relationship with the student is established, the student **will give consent** and will always be informed of the testing methodology and how the proctoring software collects and treats both video and usage data from the evaluation system and other elements. Provided that the user is offered the possibility of accessing at any time to all stored personal data, to demand deletion, rectification and cancellation of consents, **proctoring is completely legal and safe for both parties. In the** same way, **establishing digitalized processes to prevent the collected information or recordings from being used for other non-academic purposes** is the solution to possible doubts about the legality of proctoring. EdTech technology providers with a focus on regulation are able to offer solutions that manage this for the educational institution or company, relieving them of responsibility and taking care of data storage and management. --- ## GovTech: How does it affect governments and citizens? **URL:** https://www.tecalis.com/blog/govtech-governments-public-administration-technology-startups **Descripción:** GovTech is an ecosystem of governments, institutions, agencies, public companies, and startups that use technology to optimize citizen resources. **GovTech responds** to the need for **digital transformation** by **public administrations** in a globalized world, where **digital natives** are on the rise and most private companies have opted to partially or totally **digitize a large part of their processes,** especially after the healthcare situation. The interest in **facilitating communication** between the **public sector and citizens** has been the main driver to be taken into account, generating **synergies between technology companies and governments**, giving rise to a **GovTech ecosystem** determined in terms of the creation and implementation of new processes with the aim of transforming entire societies and adapting them to the present time and its challenges. On the other hand, the **internal operations of ministries, municipalities, regional governments or public companies** demand technological solutions that **respond to their internal and external challenges, not only to offer public services but also to fulfil their mission and achieve the objectives of these institutions.** ## **What does GovTech mean today?** The term **GovTech**, also known as electronic government, digital government or e-government, comes from the combination of the words **"Government"** and **"Technology"**.  The concept refers to the [**design, creation, implementation and management of new technologies specially designed for the public sector**](https://www.tecalis.com/industries/governments-institutions-public-administration-organizations) in order to **optimize processes and facilitate bureaucratic actions** both for citizens, who are obliged to carry out procedures on a recurring basis and for public workers within **local, regional, national or international corporations, as well as public companies of all kinds.**  Thus, in the era of digitalization, **public administrations**, whether at a local or national level, have the opportunity to take advantage of technological solutions generated by highly specialized **SMEs and startups.**  Thus, we can say that GovTech is the use of digital tools and their correct implementation to **boost the economy, improve public services, increase efficiency, effectiveness and reduce costs**, ultimately being able to transform entire societies and generate public value by fulfilling its mission. ## **GovTech startups: key drivers of digital transformation** In recent years, a **GovTech ecosystem** has originated from the synergies generated between **technology startups or SMEs and public administrations** around the world, which has allowed governments to move forward with respect to traditional procedures that were already obsolete.  There are a number of key technologies that are driving the work of these agencies, among them, we can see how in recent years the following have emerged as the most decisive when it comes to providing a **quick, simple and capable response to the challenges of all types of public agencies, from law enforcement agencies, ministries or municipalities to tax agencies and health:** * [**Facial recognition**](https://www.tecalis.com/blog/face-recognition) **and identity verification**. * [**Automation**](https://www.tecalis.com/blog/rpa-robot-process-automation)**, system interconnection and digitized process management**. * **Artificial intelligence and machine learning.** * **Big Data and blockchain.** * [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology)**.** * **Authentication and citizen access,** [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **and** [**certified communication**](https://www.tecalis.com/products/certified-communication)**.** * **OCR and validation of identity documentation.** * **Fraud prevention and** [**anti-money laundering tools**](https://www.tecalis.com/blog/aml-anti-money-laundering)**.** While **many of these technologies have been used by private companies for their customers, their integration and adaptation to work for the public sector have been a success that governments and citizens are applauding.** ### **A paradigm shift in understanding digital management** Generating **technological solutions** for public services has become a challenge for many **SMEs and startups** in recent years as they have detected the lack of technological resources in the sector and seen how **the relationship between governments and their inhabitants is increasingly** affected, creating friction and inefficiencies for both parties. The large-scale emergence of new, highly specialized companies, which have been able to detect the imminent need to bring citizens closer to a government that is increasingly disconnected from them, has been the trigger that has given rise to this phenomenon.  Both **Startups** and **GovTech SMEs** have strived to **think and develop innovative and efficient solutions to revolutionize the public sector**, promoting strategic use of technology in this area and optimizing its services and resources to the maximum. **Govtech consulting firms**, which are also part of this ecosystem, participate in helping governments in the implementation and management of these new digital tools. ## **Digital public administration and its imminent transformation** Digital transformation in public administration has been a slow process, but one that has been driven in recent years by innovation from companies within a GovTech ecosystem and an increased need on the part of governments. While this requires an initial investment by public administrations, public services are increasingly aware of the long-term benefits. In any case, **GovTech companies and startups offer scalable and easily integrated pay-per-use solutions that governments can use at a truly optimized cost**. Thus, in an increasingly digitalized context, governments are trying to respond efficiently to social and citizen problems by taking advantage of all the opportunities and benefits offered by new technologies for different purposes. ### **Objectives and advantages of GovTech** The design and implementation of GovTech solutions in companies, organizations, institutions and public administrations have brought a series of clear and concrete benefits to citizens and their internal dynamics. * **Acquire new talents,** empowering employees with tools that boost their productivity, unleash their creativity and make it easier to achieve the objectives of their tasks. * **Reinvent information systems**, speeding up connection times between public administrations or between these and private companies. * **Streamline and facilitate bureaucratic processes**, allowing public services to invest less money and save time. * **To increase citizen participation**, strengthening ties between the people of a country, region or locality and their governments. * **Boost economic growth**, contributing to an increase in GDP within a given territory. * **To provide greater transparency and traceability**, recording the operations occurring in a specific process or workflow. ## **GovTech in today's landscape and what to expect in the near future** Today, many companies are investing in the development of GovTech solutions aimed at improving public administration. **R&D in this field has developed in parallel with the generation of new products, sectors and services and has led to an increase in the GDP of the various countries where the economy has made a leap forward**. In 2019, the **Declaration on Innovation in the Public Sector of the Organisation for Economic Co-operation and Development (OECD) was approved in a total of 40 countries**. This draft specifies measures and principles with the aim of legitimizing innovation as a central and strategic objective of public sector organizations, as well as its use in the daily work of its operators.  In 2020, as a result of the situation generated by the health alert, there is an increased interest on the part of governments in the implementation of new digital tools in the administrative sector. Internet use increased by 40% in households around the world. This factor, coupled with the economic and social crisis generated, led to the **need for governments to acquire measures adapted to the new context and its constraints, with a solution in innovation and technology implementation in their procedures**. This context has provided an opportunity to create a more solid Govtech ecosystem, driving digitalization within the sector in the face of the urgency of carrying out all kinds of procedures telematically or rethinking and streamlining certain processes in the most affected areas. ### **GovTech Index 2020** The creation in 2018 of a new practice on Digital Innovation in Government by the Development Bank of Latin America (CAF) to promote the use of data and digital technologies led to the creation of the current **GovTech Index**, published in **2020** and which constitutes an integral part within that project. The **GovTech 2020 Index** is the first quantitative work created worldwide that measures GovTech ecosystems in Ibero-America (Spain, Portugal and Latin America). This document has 19 specific action paths to develop partnerships between private **GovTech startups** and the public sector. It analyzes **28 indicators and primary sources** to understand countries' performance potential in **7 policy dimensions**: **innovation environment, digital environment, industry environment, policy environment, digital governance, procurement frameworks and procurement culture**.  Although the project initially focuses on the aforementioned territories, **in the future it is intended to carry out a global GovTech Index in order** to foster the development of the **GovTech ecosystem with a greater supply and demand for innovation** around the world. ## **Tecalis, a reliable provider of GovTech solutions**  Tecalis is part of the GovTech ecosystem providing agile and innovative digital solutions that **optimize the work of agencies that provide public services and improve their performance as well as being able to provide technological tools of the highest level to institutions, teams and strategic divisions of different governments**. **In the New Society Talk ["The future of e-voting](https://www.youtube.com/watch?v=cyDaH03AP7I) (Spanish with English subtitles available)" Tecalis takes a closer look at the future direction of government digitalization and the possibilities that new technologies and their different applications can offer.** --- ## Know Your Client (KYC) processes to grow and be compliant **URL:** https://www.tecalis.com/blog/know-your-client-kyc **Descripción:** Know Your Client, Know Your Customer, KYC, eKYC... What is the most appropriate term to refer to the identity verification method? **Know Your Client, Know Your Customer, KYC...** What is the most appropriate term to refer to the most complete **identity verification method**? All. The incorporation and registration of new customers to become part of the databases of companies and platforms has received many names, all **synonymous with** each other. Whether **it is required by industry regulations or to prevent fraud**, Know Your Client has spread to companies of all sizes and areas, becoming part of the onboarding process in a standardized and even everyday way. As this is **the first decisive contact** that users have when interacting with a business or platform, it is very important to take care of the experience they are going to receive, since, in some cases, it may **mean that they do not end up becoming customers** if it is not properly planned. If they do decide to complete the process and become part of the customer database, the Know Your Client will be the starting point for any subsequent relationship and the initial image they form of the brand. ## **What does Know Your Client (KYC) really mean?** Know Your Client is a **standard originating in the financial and related industries** for companies to obtain a **risk profile of their potential customers**. This procedure is **useful and beneficial** for both the companies in the industry and the customers, as it **protects both from identity fraud**. The process is primarily about **certifying that a person is who they say they are before registering them** with a company and being able to start offering them products and services. Why is Know Your Client (KYC) so important? Initially, to [**prevent money laundering practices**](https://www.tecalis.com/blog/aml-anti-money-laundering), but later, with the **rise of online services**, to be able to **identify people remotely** with guarantees and without risk. Initially, this was achieved at the face-to-face locations by handing the ID card to the customer service agent. The agent had to inspect it to check that it was not a forgery and to verify that the person's face and the photograph on the document matched.  Later on, a photocopy of the document would be required to be made, stored and associated with the customer file. This brought with it two problems: a slow process that required time and resources to complete, and forged identity documentation so accurate that it went unnoticed by the human eye. **Technology came to solve this problem with digital tools to perform a Know Your Client process in seconds, without paperwork or bureaucracy and with advanced anti-fraud controls**. This is where **eKYC** (electronic Know Your Client or Know Your Digital Client) is born. ## **Which industries are applying Know Your Client** Although Know Your Client is an **identity verification policy** mainly carried out in the financial sector, it has taken on great relevance in recent years and has **expanded to different industries**. When we talk about the financial industry we refer to a set of businesses where monetary operations and transactions are the basis of the core business. We find then: * [**Banking**](https://www.tecalis.com/es/industrias/banca) * [**Insurance sector**](https://www.tecalis.com/es/industrias/seguros) * **Financial services (and all FinTech)** * [**Trading and cryptocurrencies**](https://www.tecalis.com/es/industrias/criptomonedas-trading-inversiones-cripto-exchanges) * **Real estate sector** * [**Online gaming and betting**](https://www.tecalis.com/industries/gambling-online-gaming-esports-videogames) * **Audits** KYC is equally relevant in the [**telecommunications sector**](https://www.tecalis.com/es/industrias/telecomunicaciones), which is closely related to the financial industry when it comes to user identification.  **SIM Swapping**, for example, has put many companies in the financial sector in check, being a problem that originated in telcos. However, thanks to technology, this type of fraud is history for companies in the sector that decide to implement KYC, shielding one of the authentication factors used by banks to authenticate their customers. ## **Know Your Client is mandatory** In all the areas of finance and related industries detailed above, **KYC is not an option, it is a legal requirement** in the vast majority of markets and regions. Companies that do not adapt their processes to comply with the Know Your Client policies outlined in the regulatory frameworks of the locations in which they operate face not only business shutdowns but also severe penalties if they fail to properly establish the relevant controls. In the European Union, the [**AML6 (Sixth Directive on the Prevention of Money Laundering)**](https://www.tecalis.com/es/blog/aml6-sexta-directiva-blanqueo-capitales-regulacion) **and eIDAS** stand out as regulatory frameworks, although, in turn, each state has transposed these international directives into its national legal frameworks. On the other hand, although it is not mandatory for them, sectors such as [**mobility and transportation**](https://www.tecalis.com/es/industrias/movilidad-transporte-viajes-carsharing) or the [**tourism**](https://www.tecalis.com/industries/tourism-leisure-hospitality-hotels-activity-horeca) **industry** have decided to integrate this standard at certain points of their customer journey and take advantage of the benefits of Know Your Client to optimize their processes and establish a risk management strategy at the highest level.  In any case, KYC is applicable to all types of businesses, having proven to be a tool that generates growth, opportunities and **cost savings, both direct and, especially, indirect.** ## **Get to know your customer in the onboarding process** Not before, not after. Know Your Client must be integrated during the [**onboarding process**](https://www.tecalis.com/es/blog/onboarding-digital-sistemas-funcionamiento) without the user perceiving friction. One of the biggest mistakes made when implementing **KYC and AML** controls is to do it in a separate process, differentiated from the rest of the phases that make up customer onboarding. When and how to integrate KYC at a time when **the user is still deciding whether or not to become a customer** can tip the balance decisively one way or the other. **Conversion rates** at this time are high if the process is simple and smooth and low if the user experience does not match what is expected. This is even more crucial in the case of digital onboarding where the customer is operating autonomously without the intervention of a human agent. **It is very common to see users abandon the website or close the app after giving up because their identity document was not being well captured by the Know Your Client tool.** ## **The technology that makes KYC processes possible** Before going into detail about which technologies are enabling Know Your Client processes with good success rates, we need to understand what happens during them. ### **Phases and steps in Know Your Client** The Know Your Client procedure is generally and in most cases composed of the following steps: 1. The **client accesses the onboarding platform and enters the required data**. 2. You are requested to **show the camera your identification documents** on both sides. 3. The system, in a process that does not affect the customer and is imperceptible to him, performs a series of [**automated anti-fraud checks**](https://www.tecalis.com/es/productos/controles-anti-fraude) thanks to AI and exhaustive ML on the document. 4. You are asked to **look at the camera** and make a gesture such as a movement or a smile. 5. The system collects your facial biometric pattern, **cross-checks the information with that obtained in the identity documentation** and validates the generated proofs of life. 6. The information is sealed with blockchain, **everything that happened in the process is traced and a report is generated and linked to the customer's profile**. This biometric information can be used to **subsequently authenticate** the user with facial recognition to access, for example, their **personal area**. 7. Optionally, if the use case requires it**, products and services can be contracted with an electronic** [**signature**](https://www.tecalis.com/es/productos/firma-electronica) **digital solution.** It is important that the **RegTech provider of identity and KYC tools** is able to integrate both identity verification and e-signature with a seamless experience**.** ### **Innovative technology to avoid friction** So which **Know Your Client provider** should I choose? There are dozens of options on the market to choose from and sometimes there seems to be no clear difference between one or the other, with very similar value propositions and regulatory support as per the norm We have seen how the **user experience**, the complete **integration** in the **onboarding flow** and with the brand or the fact of having extensive **functionalities** not only to apply in the use case but also possibilities in the **management platform** to be used by our employees or collaborators are essential aspects to take into account for a KYC solution. However, despite all this, the **technological power** of the automated Know Your Client system will be the **key to conversion**.  The process is already widespread and standardized but, nevertheless, showing our face and identity documentation to a camera can still generate some reluctance in certain types of users. This being the case, ensuring a smooth process that works in less than 3 attempts is **decisive to avoid the abandonment of** the user who wants to become a customer in the middle of the process. Not all solutions are capable of OCRing identity documents, performing the relevant checks instantly or recognizing the biometric facial pattern on the first attempt. **Only the best ones can ensure a success rate of more than 98%.** We encourage you to continue discovering what a Know Your Client solution should be like by visiting our more detailed article where you will find all the types and models for this procedure on the [**Tecalis blog**](https://www.tecalis.com/es/blog/experiencia-usuario): **KYC: What is Know Your Customer. In-depth analysis.** --- ## Due Diligence: KYB and KYC for safer clients and companies **URL:** https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced **Descripción:** Due Diligence is a process of investigation prior to any contractual agreement between two entities or parties in certain transactions. **Due Diligence** refers to an investigation process prior to and necessary to any contractual agreement between two entities and is usually carried out on a regular basis in certain areas such as financial, commercial, for compliance needs, the operations function or even environmental impact. The **nature and application of the process vary depending** on the sector, area or operation. However, **getting to know the identity** of the individuals and legal entities involved in a deal is critical and is critical in any case and wherever a due diligence process takes place.  In the following, we will discuss the concept of Due Diligence and its meaning. In addition, we will go into detail about how it is performed, why it is necessary, and how it is linked to the **Know Your Customer (KYC) and Know Your Business (KYB)** processes. ## **What is Due Diligence?** **Due Diligence** is a process where an individual person or a legal entity, company or organization is **investigated prior to establishing any type of contractual relationship or agreement with it**, whether it is to make any type of investment, merger or acquisition with the company in question or to start a business relationship with a potential partner or client.  The task of Due Diligence, also known as "**legal audit**" or "**purchase audit**" in very specific cases, lies above all in **understanding the current situation of the subject and making inquiries in relation to security, possible fraud arising from an agreement with it, legal terms or anomalous financial situations**. Although we find that this term is **more commonly used in B2B environments** and between companies where large investments of money are usually made or risky decisions are taken, it is also applied in B2C environments when incorporating new clients. Sometimes, due diligence occurs as a **legal obligation**, since certain regional, national and international rules, regulations, directives and laws require controls on certain companies in a sector or on certain types of transactions between parties. However, the exercise of due diligence generally takes place on a voluntary basis, being a **common practice of most businesses to avoid risk**. **The benefits of developing these procedures far exceed the investment in resources and time required, which is becoming less and fewer thanks to better platforms with innovative technology**. We do not always have complete information about the company or subject that will be involved in the transaction or agreement. The fact that the latter has **previously carried out some activity that may have reputational, economic and legal repercussions** on our own after the start of the contractual relationship is a risk that businesses and organizations cannot assume. That is why due diligence processes are performed to ensure **that the relationship between two parties starts under a framework of trust, security and guarantees**. With this in mind, we can also define Due Diligence as the gathering of information, its verification and ratification to build a risk assessment for a relationship between two or more parties. ## **Customer Due Diligence and KYC Processes** **Customer Due Diligence (CDD)** is the term used to refer to the controls that companies put in place when [**onboarding their customers**](https://www.tecalis.com/blog/digital-onboarding-customers-employees), especially in those where the risk of money laundering when contracting their products or services is higher. This process - also known as **Client Due Diligence (CDD)** - consists of **several types of controls**. The first one is **the** [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer), which is often confused with Client Due Diligence, which encompasses all of them. Subsequently, the performance of certain [**AML (Anti-Money Laundering) controls**](https://www.tecalis.com/blog/aml-anti-money-laundering) will ensure that the potential customer is not trying to launder money by contracting our products. **KYC focuses on determining that the customer is who they say they are**, eliminating identity fraud and helping the business comply with the most stringent regulations in their industry in order to onboard new users. On the other hand, the AML tries to generate a **risk score** to decide whether the client is suitable to use the company's services. **This is usually more common in companies in the** [**financial**](https://www.tecalis.com/industries/financial-services)**,** [**banking**](https://www.tecalis.com/es/industrias/banca)**,** [**insurance**](https://www.tecalis.com/industries/banking) **or** [**real estate**](https://www.tecalis.com/industries/real-estate) **industries**[**.**](https://www.tecalis.com/industries/real-estate) ## **Due Diligence and KYB processes** [**KYB (Know Your Business)**](https://www.tecalis.com/blog/kyb-know-your-business) and due diligence are often confused with each other. While the former tries to establish a guarantor relationship and promises instantaneousness to establish any kind of initial relationship, the latter includes the former and goes on to obtain detailed information on certain aspects of the subject to be investigated. In either case, the technologies used for the different objectives are the same, based on [**certified communications**](https://www.tecalis.com/products/certified-communication)**, electronic signatures or anti-fraud controls**. **Performing a due diligence process under blockchain standards and with full traceability ensures that it is valid and is not being tampered with.** A representative example of confluence between KYB and all appropriate due diligence controls is that of an acquisition, where a potential buyer performs an evaluation of the company being offered. With the rise of hiring **freelancers, freelancers and companies as suppliers**, especially remotely regardless of distance, KYB is playing a very important role in allowing companies that need reliable and quality suppliers to be able to find them and work with them **without fear of any complications or non-compliance**. In many markets, there has been a **great evolution of alliances and partnerships** to create synergies that result in the growth not only of the two allied companies but also of the entire industry. This boom has led Due Diligence and KYB to work together to make them solid, stable and secure from minute one. ## **Types of Due Diligence: Expanded or reinforced measures** KYC and KYB processes and their consequent application are essential measures to perform due diligence in a compliant manner, guaranteeing the minimum security levels required.  The **levels vary according to the degree of security required for each operation, or even sector, and according to the risks assessed**. The higher the risk, the more intensified the measures to be adopted. Thus, we can speak of **3 different levels for Due Diligence processes**: ### **Simplified Due Diligence** **Simplified due diligence** is, among the three possible levels, **the most basic**. This is usually performed when, after a very brief and simple prior investigation, the **risk of concealed activities related to money laundering or other criminal activities** is considered to be **particularly low**. These processes are usually related to Customer Due Diligence (CDD), **customer due diligence, in which no transactions involving large amounts** or other types of insurance services, for example, are to be **carried out.** Also, in **B2B** environments, when the subject to be investigated, for example, **is a public company, an institutional body or a listed company**. Sufficient credentials to consider that the risk is low and, therefore, to investigate in a more superficial way. ### **_Enhanced Due Diligence (EDD)_** In the Enhanced Due Diligence (EDD) or enhanced customer due diligence process, **data will not only be acquired in case any kind of inconvenience arises** after the signing of an agreement or the start of a contractual or commercial relationship, but it will also be **retained and verified with public and private listings.** This is where all the **exhaustive AML controls** and even investigations related to possible financing of terrorism (**CFT**) come into play. This procedure delves into the **financial capacity of the organization, whether it is on the PEP or related sanctions lists, its indebtedness to third parties or even factors in the personal life of the company's directors (appearances in the digital press)**. This is usually **the most common of the three types to be applied due to its versatility, great response capacity and compliance with the regulations that require it**. It is the control to be applied when, for example, more than €15,000 in deposits are to be deposited. ### **Intensified Due Diligence** Intensified Due Diligence is usually performed in **high-risk** transactions. It is performed on a voluntary basis, especially in **acquisitions or large deals that are of vital importance to the survival of the organization in the event of a mishap arising from anomalous activities**. Intensified due diligence investigations **are conducted, in particular, in the following cases**: * Transactions **exceeding $100,000** in cash and $200,000 in financial transactions of any kind. * Multiple transactions that exceed the above amounts in their entirety in a period of less than one year. * When the investigated party is foreign and comes from **regions that do not apply or require compliance with FATF-FATF recommendations**. * Politically Exposed Persons (**PEP**). * **Companies with bearer** or limited **shares** with little information available about them. Intensified due diligence is also known as enhanced due diligence (EDD) processes that extend over time even after signing. This is known as **continuous monitoring** and is a periodic development of the EDD investigations, as opposed to the EDD where they are generally performed only once. ## **Legal Due Diligence** Legal Due Diligence is the same process with a focus on regulatory compliance of the investigated. **We have seen that investigations focus on all areas: identity, finance, behavior, press...** but certain operations demand tailored due diligence to see if the agency in question is complying with the rules of, for example, a particular market or if it will be able to do so. Let's take an illustrative example: One company wants to acquire another. The acquirer wants to close the deal primarily **to expand into the second company's market** and, additionally, to distribute the second company's products and services in its home market. Here, legal due diligence will delve into how the company is performing its processes in order to comply with the regulations that would allow it to do this in both markets. If not, the **ability to quickly and inexpensively transform its processes so that they comply with the regulations of the market in question**, and thus be able to operate in that market, would also be analyzed. Due diligence focused on compliance or legal due diligence delves into this aspect. That is why having a [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) **consultant for due diligence processes is crucial**. ## **How to perform due diligence and the role of SMEs in it** Due diligence should ultimately be done by **external consulting firms or auditors**. This will ensure **impartiality, independence and professionalism in a bilateral process**. Relying on a **trusted third party or trust services provider** to examine in depth the aspects that we have developed throughout this article and that is part of the due diligence is fundamental to creating **trust and guarantees**. In the case of **SMEs**, which do not usually have large compliance, financial or operations departments with time to devote to these tasks, it is even more noticeable. The procedure, for a specialist partner, **can take as long as two to three weeks (although this time can be greatly shortened if current digital platforms compatible with due diligence are used)**.  These companies will create a **due diligence checklist that will include the steps to be followed to carry out the necessary investigations, the technologies or platforms to be used to achieve the objectives of these investigations and the means to store, process and verify the information obtained.** ### **Due Diligence Checklist**  When performing Due Diligence, companies can apply the security measures that are most appropriate for each project based on the assessment of the perceived risk. However, such self-regulation carried out by companies independently is framed within a common regulation to which all processes must be adapted. The most common sources of information from which data will be obtained in due diligence processes may be the following: * Public census of public administrations. * Open data from non-governmental organizations or independent reporting institutions. * PEP lists and sanctioned lists issued by ministries or public agencies. * Available digital press and public information on the web. * Open court rulings. --- ## Meeting FATF Recommendations by 2025 in any business **URL:** https://www.tecalis.com/blog/fatf-recommendations-gafi-2023-compliant **Descripción:** The FATF recommendations, or GAFI, are required in many markets and countries to act against money laundering (AML) and illegal practices. The **FATF recommendations**, or **GAFI**, are **required in much of the world to act against money laundering and illegal practices** in the context of financial transactions and movements. It is very important to understand the role that these 40 recommendations play **in the economy and in all companies in the financial sector and its related areas**. This intergovernmental body, which has been in operation since 1989, has created and established a series of **compliance standards and laws that actively act to** [**combat money laundering**](https://www.tecalis.com/blog/aml-anti-money-laundering), terrorist financing and other **major risks that can threaten the international financial system.** Although it may seem that only **large companies, corporations and institutions** are subject to the international standards defined by the FATF recommendations, **every business and organization, no matter how small, must take into account these 40 key points**. ## **What is FATF - GAFI?** **FATF** is the acronym used to refer to the **Financial Action Task Force**. Similarly, **FATF** is the acronym for the **Financial Action Task Force**. We can consider it the most authoritative international organization in the prevention and fight against money laundering. The FATF was created and promoted by the Ministries and jurisdictional bodies of the member states, which were initially those of the G8 but which currently extend to **39 jurisdictions and two international member organizations** (European Commission and the Cooperation Council for the Arab States). Both the World Bank and the International Monetary Fund are participating members of the institution. It is important to note that the FATF acts **as an ally of other international organizations** that have the same purpose such as the Latin American Financial Action Task Force (**GAFILAT**), the Committee of Experts on Evaluation of Anti-Money Laundering Measures (**MONEYVAL**) or the **APG** (Asia/Pacific Group on Money Laundering). The FATF's objectives are not only focused on **policy formulation** but also on **active operations to prevent illegal activities**, organized crime, corruption and **the damage they cause to society.** The body **monitors states for real and effective implementation of the** current **40 recommendations** and makes constant **demands to those** that are not complying with them, either by passive action of their governments by not transposing the FATF recommendations into their local regulations in an effective manner or **to companies that are not complying with the standards** of countries that have done their job well. ## **What are the FATF recommendations for 2023?** The **FATF recommendations are 40 points that establish compliance measures for the public and private sector**, as well as for users and citizens, to combat money laundering and the illegal and harmful activities that originate from it. The risks associated with fraud and illegal activities are a crucial detriment to both companies and customers, preventing economic growth and causing economic losses on both sides and penalties for companies. These 40 FATF recommendations can [**be consulted in full on the official FATF website**](https://www.fatf-gafi.org/publications/fatfrecommendations/documents/fatf-recommendations.html). The current version, with its 40 basic recommendations, was approved in 2012. However, **in 2023, the FATF recommendations were modified during the month of March to adapt them to the** needs of today's economy and organizations. Among these recent modifications, those **aimed at remote and online (virtual) operations** of companies obliged to establish **exhaustive anti-fraud controls** in their **processes of** [**new clients onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **or opening of new accounts and transactions stand out**. While all 40 recommendations should be carefully considered and procedures established to comply with all of them, in this article we want to highlight three in particular that we believe are more relevant today than ever and, if properly understood, can help to comply with the rest by transforming the operations of the affected companies in a more agile way: * The records to comply with AML standards are found in **recommendation 11. It** makes a proposal on how to keep them, store them securely and carry out operations related to customers under minimum standards. * In the previous recommendation, recommendation **10**, we find ways to establish frameworks of trust to operate with customers and the prior controls to be carried out before giving them access to the company's products and services. Here, [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer) stands out as one of the most agile and effective procedures for complying with this recommendation. * One recommendation is particularly cross-cutting. **Number 15 deals with how technology, digital platforms and IT tools integrated into** companies' **systems and operations** can combat money laundering with absolute effectiveness. This recommendation indicates what digital processes should look like and **how to offer products and services remotely in an appropriate manner**. In addition, it defines exactly the **technical and regulatory standards that must be followed by the technological solutions that make this possible** for companies. ## **Are the FATF recommendations mandatory?** **Yes, they are. Compliance with the FATF Recommendations is a legal imperative.** If your business operates in any of the [**39 markets that adhered to the FATF standards**](https://www.fatf-gafi.org/countries/), it is obliged to comply with its 40 points since the national legislations of these states have already included them and are ensuring their compliance. However, it is not only these 39 countries that sanction companies that have not adapted their processes to these international standards. As we have seen, there are 9 other international organizations attached to FATF/GAFI that ensure compliance with AML (Anti-Money Laundering) regulations. In total, **more than 200 jurisdictions around the world apply measures against companies that do not carry out this type of control**. This is the case, for example, in Mexico, Andorra, Monaco or the Czech Republic. For this reason, we must carefully monitor the AML regulations of the markets in which we operate. In any case, complying with the FATF recommendations is synonymous with a quality **risk management and fraud prevention** strategy, helping the growth and smooth running of any business. We should not consider not complying with them in any case. ## **Companies and sectors affected by FATF Standards** The FATF recommendations **affect any natural or legal person in all the territories and jurisdictions detailed above**. However, there are a number of areas and types of activity that, due to their dynamics and operations, are fully affected and are exposed to a more exhaustive control by the body in question and by the authorities of the member states. The **industries most impacted** by the FATF are: * [**Investment, financial management and related services**](https://www.tecalis.com/industries/financial-services) * [**Banking Institutions and FinTechs**](https://www.tecalis.com/industries/banking) * [**Insurance and savings**](https://www.tecalis.com/industries/insurance) * [**Crypto and trading platforms**](https://www.tecalis.com/es/industrias/criptomonedas-trading-inversiones-cripto-exchanges) * [**Real estate**](https://www.tecalis.com/industries/real-estate) * **Audits and consulting firms** * [**Gambling and online gambling**](https://www.tecalis.com/es/industrias/juego-online-apuestas-videojuegos-esports) Some of the recommendations even **specifically address companies, indicating good practices to be followed when operating**. ## **How to easily comply with FATF recommendations** The FATF has launched a [**complete methodology**](https://www.fatf-gafi.org/media/fatf/documents/methodology/FATF%20Methodology%2022%20Feb%202013.pdf) for the analysis and evaluation of companies' compliance with its standards. This methodology establishes an **evaluation process** carried out by the organization itself on companies and states, although **companies can voluntarily carry it out on their own initiative to identify weak points and adapt their processes to comply**. **Financial and compliance departments** are using the tools created and implemented by [**RegTech partners**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) to comply with FATF standards and recommendations by 2023. In this year and next 2023, we will see how not only leaders will make use of technology and **digital platforms in SaaS format to comply not only with FATF standards** but also with any regulation in all sectors. From micro-enterprises to SMEs are already integrating money-laundering prevention systems in days and under a pay-per-use model without having to resort to costly and time-consuming processes of process adaptation. --- ## Cryptoexchanges and KYC on leading platforms **URL:** https://www.tecalis.com/blog/cryptocurrencies-kyc-crypto-exchanges-cryptos-aml **Descripción:** Cryptocurrencies are a reality that we cannot ignore, as well as the KYC processes integrated in many of the platforms where we can operate with them. Cryptocurrencies are a reality that we cannot ignore, as well as the **KYC processes integrated with many of the platforms where we can operate with them**. Before delving into the relationship between KYC and cryptocurrencies, we must have a good understanding of the current state of these digital assets and how they are already being addressed. Not all cryptocurrency exchanges offer the same guarantees and support their users in the same way. The advantages and disadvantages of each are aspects to be assessed when deciding on which platform to buy and sell crypto assets. However, it has been found that **the leading cryptocurrency trading platforms and exchanges with the most users are those that are integrating** [**customer onboarding processes**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **based on KYC and AML standards**. ## **What are cryptocurrencies** Cryptocurrencies are not particularly different from the "official" money issued by states and central banks. They are still an **exchange asset**, the main difference being that they are not physical, but digital. Even so, **the information that makes them exist can be stored in a physical device, which, in a way, brings them even closer to the concept of currency**. They can be transferred without intermediaries and are decentralized. Thus, we define cryptocurrencies as a **medium of exchange that uses cryptography** (**data encryption and encoding** techniques to alter information so that it can only be read by certain recipients) for its transactions. Crypto transfers are public to secure their system with a "white book" that can be consulted by anyone and that records all transactions. ### **Different types of crypto** When we talk about types we can refer especially to **digital purses or wallets**. Here you **can store, send and receive cryptocurrencies thanks to the keys that give their ownership to operate with them**. These **keys allow us to pay with them or transfer them**. There are hot and cold wallets, the former being fully online and the latter stored in a hardware device. As for the number of cryptocurrencies that exist, they already number in the thousands. In order to create one, you must have advanced knowledge in cryptography and know how to program to clone the code of another existing one. ## **The most popular cryptos** **Bitcoin** was born in 2009 with the objective of being a means of payment not supervised by any government. It was the **first and remains one of the most important**. As it is intended to be an alternative to the traditional system, it is known as "**flat currency**". Its companion in terms of the high listing is **Eher**, which also gives its name to its own platform for making smart contracts (**Ethereum**). Its main purpose is to be a payment method for using this same platform (with uses such as app creation, decentralized finance, NFTs or Decentralized Autonomous Organizations), and not so much an investment method.  **Binance, Stellar XML, Dodge Coin, Litecoin and Cardano ADA** are very relevant cryptocurrencies today and **both share their goal and philosophy with Bitcoin** despite minor differences. ## **Where to buy and store cryptocurrencies** Cryptocurrencies can generally be **purchased through exchanges**, which are **financial brokers, or intermediaries**, that connect with your trusted bank to carry out the exchange. As detailed above, **many cryptocurrency exchanges and trading platforms** (companies that offer **services for buying and selling financial assets digitally**) **offer the possibility of storing them.** Crypto exchanges or cryptocurrency exchanges function as virtual tools and spaces for this purpose. The operations of buying and selling different cryptocurrencies are carried out thanks to other crucial operations that surround this process: **the onboarding of the user, the deposit, the withdrawal or the purchase of cryptos with origin in FIAT (fiat) currencies**. Keeping in mind how these process works is crucial to see how **these platforms can grow and be secure**. ### **Crypto exchanges and trading platforms: different ways of being** Not all platforms for buying, selling and storing crypto assets are the same. Broadly speaking, their differences lie, after all, in the concept of user verification: * **Exchanges and generalist trading platforms**: In them, the value of crypto and its operation works according to the price and value in the market. They **are generally regulated and must have** [**identity verification processes**](https://www.tecalis.com/products/identity-verification)**, anti-fraud and AML controls, as well as electronic signatures for certain matters**. * **Brokers**: Focused on trading at market prices, they identify customers in accordance with regulations to be more secure and legitimate. * **Over The Counter**: We could call it the "Wallapop" of cryptocurrencies. Here, identity verification plays a crucial role in building trust between buyers and sellers. * **Funds**: As a financial service, cryptocurrency investment funds are based on the management of investment portfolios managed by professionals. * **Decentralized cryptoexchanges (DEX)**: They generally do not comply with KYC and AML standards and are therefore perceived as insecure by most users. They rely on their own programming and anonymity creates certain problems in certain circumstances. ## **KYC, AML and cryptocurrencies** The cryptocurrency market is advancing, consolidating and evolving steadily and continuously. With this evolution, we have been able to see how [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer) **is being integrated into the platforms** that allow their purchase, sale and use. Moreover, the trend is so clear that already 90% of the leading players in the cryptocurrency and trading sector have implemented advanced KYC tools in their customer onboarding processes. Moreover, these are accompanied by [**AML (Anti-Money Laundering) controls**](https://www.tecalis.com/blog/aml-anti-money-laundering) **that make these platforms comply with the most demanding regulations in all markets**. Any platform that wishes to grow and become a leader in the crypto sector must integrate these processes to legitimize and support its operations, gaining the trust of users and obtaining great benefits by being compatible with official systems and the most powerful markets. On the other hand, the **integration of MFA [authentication systems](https://www.tecalis.com/blog/sca-strong-customer-authentication)** based on [**SCA (Strong Customer Authentication)**](https://www.tecalis.com/es/blog/sca-strong-customer-authentication-autenticacion-reforzada-cliente) is increasing the customer experience of crypto exchanges and making them grow. These platforms are also making use of [**electronic signatures**](https://www.tecalis.com/products/electronic-signature) to not only communicate with their customers with **certified transaction submissions and generate a proof**, but also to **offer additional financial products and services, diversifying their proposition.** ## **Buying with cryptos: establishments and stores** The anonymity offered by certain cryptocurrencies and their extension through the dark web has given rise to the bad reputation that has been perceived on certain occasions, being able to buy literally anything, including illegal products and services. Buying with them everything that we usually buy in our daily lives can be somewhat uncomfortable, but **more and more stores are allowing us to use cryptocurrencies as a payment method with great ease**. Destinia already allows you to pay with bitcoin. Travel, flights, video games, furniture, clothing. Anything. There are already specialized portals with lists of stores that accept cryptocurrencies as a means of payment, including local physical stores. It is those **platforms based on identity verification and the control of transactions associated with individuals and legal entities that are allowing** this area **to evolve in** a more formalized way. ## **Who oversees its value?** Nobody and everybody. This is the idiosyncrasy of cryptocurrencies. Their public listings mean that anyone can see crypto transaction records and, on the other hand, there is no government agency to monitor them. The Bank of Spain and the CNMV launched a joint statement on cryptocurrency investments in February last year. However, **there are already government initiatives to control their use**. Its value is a product of supply and demand as in any other financial asset on the stock market and there is nobody that can regulate it. However, the platforms that create these cryptocurrencies limit their production and set standards, also making launches and allowing or not their creation. It all depends on each cryptocurrency and its creator platform. ### **Why cryptocurrencies are going up and why they are going down** The value of cryptocurrencies is not determined by companies, banks or governments like fiat currency. This is due to the decentralized nature of most cryptocurrencies.  Its price depends on a number of factors in different situations. For example, if we contact an individual to sell for 50,000 euros a cryptocurrency and that person accepts, its value will be 50,000 euros. In this case, there are no other factors involved. **However, if we sell a coin on a stock exchange, the price of our crypto will be regulated by the stock market.** Transaction prices change based on a variety of activities performed by buyers and sellers. Under the influence of these actions, the law of supply and demand arises, which causes prices to rise and fall. **When the price of cryptocurrencies fluctuates significantly, many users have the opportunity to participate in crypto arbitrage. These actions balance prices in different markets.** Arbitrage is buying cryptocurrencies where the price is lower and selling them where the price is higher. **Another concept that affects price movements is the market value (OMV)**. This is a more volatile stock and the culprit in most bull runs. Unlike intrinsic value, it is not fixed or insured. OMV depends on how much users are willing to pay for cryptocurrencies at any given time. The common currency we use every day also has these two values, but its price does not change much. Thus, **the price of crypto varies significantly depending on buying and selling**. ## **Miners: what they are and how they work** One of the most prominent questions within this area is about **cryptocurrency miners or cryptominers**.  Miners are all those **individuals or organizations that work on validating cryptocurrency transactions**. They use the computing power and the ability to perform mathematical operations of the systems to **process transactions by adding new records as blocks to the total blockchain chain**. In exchange for this work done for the systems we have discussed above that run the various cryptosystems, they are rewarded in cryptocurrencies for their help. --- ## Wealthtech and the future of investment management **URL:** https://www.tecalis.com/blog/wealthtech-what-is-company-investment-management-wealth-technology-companies **Descripción:** The WealthTech revolution began just over half a decade ago with a new understanding of wealth management and equity investment financial services. The **WealthTech revolution** began just over half a decade ago with a new understanding of **wealth management and equity investment financial services**. This concept, originally considered part of its big brother, **FinTech**, brings together a series of **players that converge around the same type of financial product and service**. The management of assets and savings, as well as the diversification of investment methods for the wealth generated, has been transformed by the implementation of technologies that **streamline their use and allow them to create new ways of operating**. There is a term that comes to mind when we talk about any of the X-Tech: **democratization**. Technology has made it possible for **individuals and less qualified professionals to self-manage certain areas previously reserved exclusively for the largest and wealthiest companies**. ## **What is WealthTech** **WealthTech** is the confluence of **technology (Tech)** with the **area of finance that deals with wealth management and investment**. This concept is used to refer to the **businesses, users, initiatives and platforms of this sector** and the **methods, applications and tools that make their activity possible**. Thus, we obtain a web of interrelationships between crucial players that make up the so-called **WealthTech ecosystem**. The digitization of businesses dedicated to investment services took place almost two decades ago, however, it was not until about 5 years ago that the term WealthTech started to be used. Technology in the service of finance and banks arrived a long time ago, but the **philosophy of autonomous online management by users and professionals without technical expertise** is much more recent. A clear distinction must be made between **traditional financial companies that digitized certain procedures** and those **innovative and disruptive businesses that could not even have come into being had it not been for the ad-hoc creation of digital platforms and technological tools specially designed for their activity.** In this way, it was possible to create new product and service categories in the sector that were previously unimaginable.  WealthTech stands out for its **management without intermediaries and for users' online and remote access to its financial investment platforms**. Likewise, businesses in this area make use of big data, their own methodologies and dynamics of social networks (Social Trading), [**robotic process automation**](https://www.tecalis.com/blog/rpa-robot-process-automation) **(**[**RPA and softbots**](https://www.tecalis.com/products/rpa-automation)**), artificial intelligence, facial recognition** and machine learning.  These platforms and their technological power are used by investment and wealth management professionals as well as the average user. ## **Types of WealthTech companies** The **WealhTech ecosystem** is the set of players in the sector that **with interrelationships of many types work as a coordinated mechanism** to shape a thriving industry and from which we already obtain overwhelming figures compared to what could be thought only a few years ago. Already in the far back **2018 investments in WealthTech companies exceeded the figure of 3.5K million dollars**. That said, how has this been achieved? With a complex but complete landscape that is constantly evolving and **improving every year, improving its proposal and leading innovation**. The following is a rough breakdown of the **different types of WealthTech that exist**: * **Digitized finance companies with WealthTech products:** These could well be at the bottom of the list or at the top. Last because it was only 12 months ago that traditional banks and other FinTechs began to offer WealthTech-native autonomous investment services; and first because they were the first in the sector to take the step towards the digitization of their activity and the precursors of the financial services we all know. * **Technology providers**: Something similar happens with them as with the previous ones. Two situations have occurred: **entrepreneurial businesses have knocked on their door to request the development of technology that could implement the model** they had in mind, or **technology startups developing products, on their own initiative, have created WealthTech solutions** that **the financial sector has** then **used to create businesses or product ranges**. Of these providers, those that offer key technologies to make it possible for these businesses to operate and grow stand out, such as: [**digital onboarding**](https://www.tecalis.com/products/identity-verification) solutions **(KYC - Know Your Customer)**, [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) **and identity verification**, [**electronic signature for contracting**](https://www.tecalis.com/products/electronic-signature) **or** [**certified communication**](https://www.tecalis.com/products/certified-communication) **for secure and supported customer relations**. * **Trading:** Well known by all for the amount of advertising they are doing lately. And if they can make such an advertising investment it is because they are growing at a dizzying pace. Trading platforms are revolutionizing personal finance and wealth management **thanks to the best digital solutions that are allowing them to increase their conversion rate in their onboarding processes, gaining more and more users without any risk in all markets**. * **Social trading and digital brokers:** Now, anyone can copy the investment methods and portfolios of the most experienced brokers, as well as those of their friends. Forums, opinions and community, these platforms bring social networking and telegram group dynamics to investing. * **Cryptocurrency Exchanges:** These platforms work in a very similar way to typical trading platforms, however, they base their focus on crypto assets. Although many trading platforms already allow trading cryptocurrencies, it is these specialists that make them their core. * **Marketplaces:** The investment services tracker. Comparative platforms and other similar options help make decisions based on data and the use of automation and information extraction to facilitate investment activity. * **Investment tools:** More used by professionals than by the average user, these application kits track portfolios, alert users to fluctuations or when expected returns are being achieved, and plan calendars to automate purchases and sales. * **Compliance and** [**RegTech**](https://www.tecalis.com/es/blog/que-es-regtech-compliance-2022)**:** WealthTech, like the rest of the financial sector, must comply **with the technical and legal norms and standards set by the regulators of each market and industry**. To this end, RegTech has [**created digital business solutions**](https://www.tecalis.com/es/blog/customer-journey-360-soluciones) **that automate compliance with the most demanding standards that are integrated in an agile way in all operations and processes of the sector's businesses**. * **Financial Advisors:** These can be considered as one of the most traditional models within what we understand by WealthTech. They bring to the digital and online plane, completely remote, the financial advice to the use that was previously done in traditional onsite banking. There are those that carry out operations and those that simply advise their clients to do so on other platforms such as those mentioned above. * **Robo Advisors:** Passive management can be configured to be automated and act as the client would according to the parameters set by the client. * **Robo-Retirement:** These are robo-advisors' platforms with a somewhat different proposal but with the same basis. This proposal is that of retirement plans; however, they are based on a format suitable for the baby-boom generation and with simple interfaces, although it is suitable for any user. * **Quant-Advisors:** Technology taken to the extreme and at the service of trading and brokers. Artificial Intelligence, Big Data and Machine Learning work together to predict changes, modify the settings that the user gives to the robo advisors autonomously to improve their performance and thus make successful operations. Alongside them, **algorithmic trading** makes them work in real time. * **Lending and crowdfunding:** These participative financing systems are not new, but they have been introduced into the WealthTech ecosystem to complete its offer and reach more users.  * **Microinvestments:** Born from the previous type but with a broader focus. Platforms have been created that bring together all kinds of initiatives, from the granting of microcredits to P2P (Peer to Peer) models. We have seen how, just when we thought WealthTech had nothing left to innovate, it has been able to reinvent itself to either **use technology to diversify its offering** or **reinvent its business model with disruptive proposals based on a new way of understanding personal finance.** ## **FinTech and the rest of the X-Techs: similarities and differences** Both WealthTech and [**FinTech**](https://www.tecalis.com/blog/fintech-financial-technology) **share the same regulatory framework and objectives.** Many have denied considering the former as a distinct entity from the latter, and time has shown that they were wrong. The differences between the two are clear: WealthTech is clearly different from its big brother, although it works alongside it, especially in its **commercial and advertising proposal, as well as in its business model.** Convergence has arrived, but with clear differentiation. The fact that a wallet card additionally offers investment services does not mean that it is the same company. We see how many FinTech companies have WealthTech partners to jointly offer this type of investment services, for which they earn a commission by acting as a business partner. This is similar for PropTechs, which use third-party WealthTechs to offer their clients alternative financing for their mortgage loans or [**home insurance (InsurTech).**](https://www.tecalis.com/blog/insurtech-insuretech-what-is-ecosystem) Companies belonging to **both areas must comply with KYC (Know Your Client) requirements and conform to AML (Anti-Money Laundering) regulations such as** [**AML6 (Sixth European Money Laundering Directive)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation)**.** The regulatory framework affecting them is basically the same. Even the cryptocurrency exchangers furthest from the norm (DeX and others) are already being taken into account by regulators in many markets. As for the [**onboarding of their clients**](https://www.tecalis.com/blog/customer-onboarding-what-is), the opening of a bank account, which has its own processes, follows the same rules as the sign up on any trading platform. Identifying clients under [**eIDAS (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) standards and performing the **electronic signature** and contracting processes under common standards has helped WealthTech companies that provide technological solutions such as Tecalis to standardize methods to optimize this type of process. ## **How WealthTech is evolving in 2022 and what to expect in 2023** As we have been advancing, **technological and business convergence** is marking the current situation of WealthTech. **Partnerships** between companies such as wallet cards or neobanks with companies in the sector are driving the latter towards growth and greater recognition among users who are more unaware of its advantages. Advertising is beginning to find a niche among large advertisers. In 2022 we have been able to see for the first time on television advertisements for trading platforms and even crowdfunding, something absolutely inconceivable just a few years ago. In terms of technology, we can see how **holistic digital platforms** are bringing together in a single product all the tools and systems needed for different industry use cases. Likewise, easy integration into companies has stood out this year, as opposed to the old-fashioned, time-consuming developments needed to get a WealthTech up and running. ### **Crypto, broad take-off** Cryptocurrencies have landed squarely on trading platforms, and by 2023 WealthTech is expected to embrace these assets for good, forming part of portfolios alongside traditional forex. --- ## What is the Metaverse? How does identity fit in? **URL:** https://www.tecalis.com/blog/metaverse-what-is-identity-risks-possibilities-who-access-opportunities-how-to-enter **Descripción:** Identity in the metaverse, KYC, and security are key in defining what it is, how users join, and who will lead it. Let's be Meta. **How do I enter the metaverse?** This is the question that most people have asked themselves when they have seen the **headlines in both the** written and audiovisual **press** about the current affairs of the metaverse. Well, before answering this question we must take into account the following statement that, although the most knowledgeable will find it banal, it is crucial to begin to understand everything: **there is no single metaverse**. The proposals for **alternative digital worlds** are varied and different in their approach to what we mean by metaverse. In this article, we will try to explain briefly and concisely what the metaverse is, how it works, when you will be able to access it and the requirements to register. Are you ready? Let's get started. ## **What is the metaverse?** The metaverse is a **virtual space** where users represented as **avatars** perform activities of all kinds, and sometimes without limitations beyond the possibilities of interaction and operation of the controlled character, in generally three-dimensional environments. It should be noted that **metaverses are not necessarily video games**, as there has been a tendency to confuse these two audiovisual and digital formats. While the **video game is a digital product intended for entertainment and storytelling** (as an artistic work in many cases, with gameplay associated with the narrative component of the game's plot...) that generally has a purpose, the metaverse is a space that attempts, with tools sometimes shared with video games in terms of the representation of three-dimensional worlds, to emulate a space for users to interact with each other and with the environments created. The virtual environments of the metaverse are persistent and linked to a statically perceived world, i.e., as a rule, they are not restarted when the user leaves the world and subsequently returns to it. While this is the basic and general concept of metaverse, **there are different approaches and approaches to these virtual worlds**. In these alternate realities, for example, if there is a room set aside for an activity such as **a business meeting**, it can be rented for use. Once it is finished and other users access it, the room is restarted, or a new one is loaded, without that permanent component we were talking about previously.  Some metaverses can range from spaces that portray real cities on earth in which to do all kinds of activities to invented places that have been designed by creatives. We recommend watching the film Ready Player One by filmmaker Steven Spielberg, based on Cline's novel of the same name, which shows what a hypothetical world would be like in which a metaverse has become the central axis of society and the economy.  In the same way that the different metaverse proposals achieve different approaches, the way to access them also varies, especially in terms of the **immersive experience.** Because of the way they are, these worlds invite to be experienced through augmented reality devices or the so-called virtual reality (VR) glasses, which ensure that we feel inside it as if we were really visiting it physically. However, practically all of them allow access and representation through the usual monitors, TVs or screens of all kinds. ## **What we can do and applications.** There is a very clear and concise answer to the question of what we can do in the metaverse: **everything**. Although, as we have already mentioned, **each platform focuses on a specific aspect or activity**, the distinguishing feature of a metaverse compared to video games, for example, is the possibility of interacting as if it were the real world. Your avatar would have freedom of movement and would not be conditioned by the story of narrative work. * **Work:** [**Telecommuting**](https://www.tecalis.com/areas/human-resources-talent) is here to stay and many companies already have dozens of employees in full-remote format. Working in a virtual environment is closer than boring video calls, being able to gesture freely and use digital whiteboards and interactive graphics in real-time with other co-workers. * **Learning:** Like teleworking, [**distance learning**](https://www.tecalis.com/industries/education-training-elearning) has become a safe and reliable standard thanks to assessment tools such as the most advanced [**proctoring**](https://www.tecalis.com/blog/proctoring-online-exams-tests-evaluations-supervision) tools. The metaverse is capable of creating virtual classrooms in which to interact in a more enjoyable way and in which teachers can design gamified and more motivating learning experiences. For example, **medical students can be in a virtual operating room operating on an avatar** with the teacher's instructions and learning in the first years of their career. * **Buying:** The [**e-commerce**](https://www.tecalis.com/areas/sales-marketing) of the future involves immersive experiences where the user can virtually try a product before buying it. Accessing, for example, a 3D model of a car, getting in and driving it is one of the applications already in production. Similarly, instead of spending hours searching through boring supermarket shopping portals, you can take a shopping cart and access a virtual hypermarket and go through each aisle adding a can of crushed tomato or a bottle of shampoo to the shopping cart, with localized indications of their technical and nutritional specifications. Subsequently, the order would arrive at your home through, for example, Amazon. * **Observing:** From art galleries to museums to corporate exhibitions to [**medical congresses**](https://www.tecalis.com/industries/healthcare). Any social event or scientific exhibition can be transferred to the metaverse. * **Socializing:** Many people use the Internet to make new friends, find a partner or spend time connecting with new friends on the other side of the globe. This experience can be transformed to be closer and more human thanks to virtual reality. * **Enjoyment:** From concerts and talks to plays or escape rooms, immersive experiences can be created for those who can't travel hundreds of miles to see their favorite band and share it with those who live far away. * **Playing:** This will be the first part we will see in the metaverse. The [**video game industry**](https://www.tecalis.com/industries/gambling-online-gaming-esports-videogames) has experienced exponential growth and will continue to do so for decades to come. The metaverse will be embraced by millions of gamers and will be the meeting place to initiate new and more immersive shared audiovisual experiences. **Leading companies from all sectors** have already set their sights on the metaverse and are developing **solutions tailored to their industry** to drive growth in certain areas thanks to the possibilities offered by this **new way of interacting with their users, customers and employees**. ## **Identity verification in the metaverse: what are the options?** Identity in the metaverse, KYC and security play a key role in defining what it is, how users join and who will lead it. The new space that will be created around the **various metaverses and the currencies** we use to operate in them requires a **strong verification solution that links all these digital profiles and properties to a user's real identity**. The problems that can arise from the anonymity produced in a world where we can do literally anything as if it were the real world are **already being monitored by regulators**. Although no concrete steps have yet been taken specifically about the metaverse, **there are already rules that apply to it about the illicit and fraudulent practices that can be committed in it**. Consultancies such as PwC have predicted a **market size of more than $1,500 trillion** by 2030. This refers to the **digital assets** of the new **economy created in virtual worlds**. Therefore, the **identification of users for their link to their property** is crucial, associating a real identity to an avatar and its possessions in this digital environment. In many of these metaverses this would not be disclosed in the first instance to other users with whom it interacts unless malpractice occurs. Also, in educational environments where there are, for example, minors present it may be made mandatory. **The anonymity or not when entering the metaverse will depend on the activity we are doing** and, in any case, although other users cannot see it in, for example, socializing areas, **there will be a way to identify the user if misconduct occurs**. **Correct identification in the metaverse will lead to the creation of safe and reliable environments in which to operate and perform all those activities** we have seen in the previous point. Taking into account the **large number of actors, players and platforms that will take part in the creation and maintenance of the metaverse**, it is necessary to carefully consider **how this association of profiles, credentials and avatars with a physical person will take place in a global**, secure, reliable and officialized **way.** ### **Sovereign Self-Identity** As we have been explaining, the metaverse will be developed by different actors in a generally open and free framework. So how can **individuals create and control their credentials with security, reliability and regulatory support**? The answer to this lies in the term **SSI (Self-Sovereign Identity)**. Tecalis, as a leading company in identification and trust services and [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) partner, has designed the first [**Know Your Customer**](https://www.tecalis.com/blog/kyc-know-your-customer) technology for the metaverse. With it, users will have a means to generate and manage their identities and store their personal data. ## **Avatar Identity Technology: The first KYC technology for the metaverse** Identity technology is applied to the metaverse for the same purpose as in any other type of use case: **identity verification of users by confirming that they are who they say they are in the distance with state-of-the-art anti-fraud controls**. It is important to understand that these checks must be performed on a device with a camera and microphone. Absolutely **any device with a camera and microphone** will be able to run the identity verification solution for the metaverse either from an **internal native application or in webservice format**. **Tecalis Avatar Identity Technology** is intended **for all metaverses**, where it will be applied in one way or another depending on the characteristics of the metaverse. There is a very important concept on which Tecalis Identity Verification will work: **avatars**. Starting from the problem that the avatars do not represent the physical aspect that composes the identity of the subject that is handling it, we come to solve this problem by establishing different methods to solve several problems: * **Users do not represent their visual identity information in their avatars**. * There is the possibility of **identity fraud by** impersonating other users. * In the event of **crimes or illegal actions of any kind being committed within the metaverse**, there must be a way to easily identify the user who has carried out such actions. The first part of the solution is born in the **process of** [**digital onboarding and registration of the user**](https://www.tecalis.com/blog/customer-onboarding-what-is) **on the platform**. The **KYC (Know Your Customer)** process, in this case Know Your User, performs a series of checks **creating a licit and officialized digital profile under a trust framework where there is truthful and infallible evidence that the person creating an account is who they say they are and will act solely and exclusively on their own behalf**. This is sealed under an evidentiary audit document with the most demanding standards and containing all the evidence that has been developed in other parts of this same document.  After this, **an identity certificate will be generated and linked to the user profiles of the different metaverses.** This linkage can be done through the **API integration** of the Tecalis solution in the internal systems of the metaverse platform. In this case, it would be fully integrated into the user journey during the entire onboarding process and with the metaverse branding according to its standards and styles of communication, user experience and interface. The process is practically the same as the online registration of a bank account with the current standards of the European Union, being compatible with the standards of the rest of the world and being recognized and officialized. Similarly, platforms that do not wish to integrate the solution via API into their systems can make use of Tecalis identity verification so that their users can prove their identity and **confirm proof of trustworthiness in the activities they perform within their metaverses with an externally obtained web certificate.**  Tecalis will create a **separate web platform** for identity verification in metaverso. In it, users will be able to follow the same procedure outside the metaverse user onboarding, creating an equivalent link that will serve as an identity certificate. This link can be associated to the user's profile in metaverse and would be as follows: www.nombremetaverso.tecalis.com/nombredeusuario. This unique link, linked to the metaverse profile in question, would certify at all times that the person using that profile is real, has verified his identity and is acting on his own behalf.  In the same way, Tecalis **Authentication** systems **will establish SCA (Strong Customer Authentication) processes with a MFA (Multi-Factor Authentication) login strategy** to confirm every time the user is working with that profile on the platform, in a simpler way and based on the best facial technology combined with other authentication methods in use (OTP, SMS, email token, PIN, KBA...), who he/she claims to be in order to **avoid any kind of identity fraud after** the first identity verification registration with official documentation (IDs, DNIs, Passports, permits...). This technology per se is not novel, as Tecalis has been implementing it in leaders in many industries and continuously improving it for them for over a decade, but below is **a system that has been developed to enable double verification and the creation of avatars based on the identity of the subjects**. This **innovative and disruptive technology** will work in the following ways: * The creation of **avatars** in the various metaverses could be **automated by creating 3D models of the face that simulate the original person**. While many metaverses use cartoon and 3D animation styles, the technology would make it possible to link your identity certificate after the KYC process by extracting the facial biometric pattern and using it to create a unique avatar, sealed to the identity certificate and not modifiable. * **In case of creating avatars that do not base their modeling and appearance on the physical characteristics of the user**: Tecalis is able to perform **AI and ML recognition of avatars** within the metaverse itself and then **link them to the real identity and** official **certificate of the** physical persons. That is, even if the user in the metaverse chooses to be a bear or, being an adult man with a beard, is really a young blonde woman, **it is possible to verify that there is no identity fraud without having to share your real physical appearance and keeping anonymity**. This technology could be usable by agencies, metaverse platforms or other users to confirm that the avatar they are interacting with in the metaverse is a person with a verified identity and not a bot or someone impersonating or with criminal intent operating under anonymity. This anonymity would still be possible as **no identity information or personal data would be shared with the other users or with the platforms but it will be possible to perform this verification that the avatar in question is being handled by a person who has undergone a KYC** identity verification **process.** The data stored will be treated in accordance with the **RGPD** and will only be used to display the profile "check" verified by the Tecalis Identity platform and consultable in the links www.nombremetaverso.tecalis.com/nombredeusuario. For metaverses that do not force users to customize their avatars in a unique and different way from the rest (although there are many online worlds such as video games that always generate a different random facial appearance for each user even if it can be customized with beads, clothes or other aspects...), solutions based on the interaction or the type of user, with the nickname or other non-graphical elements, will be proposed to the metaverse. While these technologies would make sense in each and every metaverse, the reality is that their early adoption will occur especially in those for minors, education, virtual coworking spaces, meetings, medical, shopping, video calls between people, competitions, virtual asset exchange, etc. ## **Regulatory and legal framework** The European Union has proven to be an up-to-date body in terms of the regulation of digital environments. Thus, there is an initiative to create the European **Self-Sovereign Identity Framework (ESSIF)** that would be compatible with the [**eIDAS (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) framework and standard. **Tecalis Avatar Identity Technology** is compatible with this regulatory framework and bases its core on its most demanding norms and standards. Using decentralized identifiers (**DIDs**) and based on the European Blockchain Services Infrastructure (**EBSI**), the creation of identities in a fully official and supported framework is ensured. ## **Who's who in the metaverse?** As we stated at the beginning of this article, the metaverse is a set of initiatives promoted by generally private companies to develop and create virtual worlds where users can interact either for entertainment, educational or work purposes. Different **platforms and private companies are investing heavily** in what is set to be **the future of digital entertainment and remote communications**. Facebook acquired the **Oculus Rift** eyewear business in 2014. This was Zuckerberg's first step to focus the company he owns on investments and developments that culminated in the restructuring of his company to be renamed **Meta**. Currently, his Horizon initiative is his initial bet, although there is still a long way to go. **Epic Games** has stood out as one of the digital entertainment companies that has grown the most in recent years, overshadowing its former competitor Steam. In some of its video games such as **Fortnite**, multiple areas have been integrated with mechanics associated with a future metaverse in which it is working. **Microsoft** began by betting on augmented reality with its HoloLens glasses. Subsequently, **Mesh**, along with the additions following the purchase of AlspaceVR, has become the Gates' brand's bet on the future to explore the possibilities of the metaverse. While there are other noteworthy initiatives such as virtual land purchases in Decentraland, the proposals of Sansar, Rival Peak or Sensorium Galaxy in terms of shared leisure in digital spaces, we cannot say goodbye without mentioning the **only metaverse proposal made by a government with public funds**: **South Korea's** virtual reality. **This national alliance aims to create a unified platform for the development of connectivities with metaverse-based functionalities for its citizens**. On the other hand, digital identity and trust services companies such as Tecalis are supporting the metaverse with solutions to make it secure, reliable and compatible with any framework in which it is developed. ### **History of veteran metaverses** Although this concept **jumped into the public and mass conversation a few years ago with Mark Zuckerberg's announcement of the Facebook (now Meta) proposal**, the term was created by Neal Stephenson in **1992**. Eleven years later, the software development company Linden Lab officially launched the first digital alternative environment proposal to the market. **Second Life**, which is still perfectly operational, was the starting signal for what we know today as metaverse. However, its lack of investment in polishing the 3D environment and scenarios meant that other new, more visually attractive proposals won the battle, although it continues to be a benchmark for education. The following is a list of the best known and most popular metaverses today: * **Decentraland** * **Sandbox** * Axie Infinity * Star Atlas * Bloktopia * **Somnium Space** * Metahero * Ertha * Ultra Many of them with integrated video game proposals, are increasingly turning towards the world of **business, remote work, education or marketing and shopping**. Meta's proposal, which seems to be more focused on the latter, is a medium-term investment that expects to be fully operational and functional by **2030 in a world that will bring about a revolution in the way we communicate online**. --- ## What is voice biometrics? Types and Commercial Uses **URL:** https://www.tecalis.com/blog/voice-biometrics-verification-digital-what-is-active-passive-types **Descripción:** Voice biometrics, verification and recognition technologies can reliably identify users and transform processes. **Voice biometrics** hit the headlines last year to the **surprise of many and the fascination of others**. While the terms **voice and speech recognition** were already widely known thanks to virtual assistants and other applications derived from the use of smartphones, **biometrics presented a new way of using voice for different purposes**. **Identity fraud and impersonation** have shared space in the same conversations and forums as voice biometrics, as well as in those dedicated to **customer experience** and **sales** team **productivity**. Companies in sectors such as **banking, financial services,** [**telecommunications,**](https://www.tecalis.com/industries/telecommunications) **and** [**utilities**](https://www.tecalis.com/industries/utilities) are already making use of this technology, which has proven to be **reliable, secure, and opportunity-generating**. ## **What is voice biometrics?** **Voice biometrics is** a technology capable of recognizing and identifying users through the **collection of sound data obtained from a** person's **voice.** As a biometric identification factor, voice represents a **physical trait that is just as differentiating as fingerprints, iris, or face**. This technology is capable of creating a **biometric sound pattern** derived from a user's speech. The comparison of two sound samples and their differentiation is the basis of identification through this method. The voice is an irreplaceable, personal, and non-transferable authentication factor. Also known as **vocal biometry**, voice biometry works on the **vibrations and waves** generated by a person when speaking and which are the product of a set of organs (mouth, teeth, tongue, throat, vocal cords, pharynx, oral-nasal cavity...) unique and specific to the individual. The result of the joint work of each gear of the organism is the unique vocal tone of each person. ## **Voice biometrics technology and operation** It is common to wonder about the **accuracy and reliability** of this technique since we have all gone through stages where our voice has been **modified** either by a simple illness such as a cold or simply by the fact that we woke up a few minutes ago. Similarly, the passage of time and ageing modify our **vocal tone**. The know-how of the most expert engineers and the use of the most avant-garde and powerful technology in the areas of artificial intelligence and machine learning provide a clear and reliable response to the challenges posed by **identifying the voice of a user at very different times and under very different circumstances**. Proper **training** of the platform with sufficient **voice samples** in the **recording phase** is crucial to obtaining a quality **voiceprint.** Thus, **the best voice biometrics technologies analyze at least 100** different **parameters** associated with our voice resulting in an **absolute success rate**. The methods and technology are composed in a very similar way to the standardized and widespread [**facial recognition**](https://www.tecalis.com/blog/face-recognition), which does the same by generating a mathematical pattern of the face. For the training of voice biometrics systems, **there are usually three voice samples requested from the user for the first time**. In parallel, they are analyzed during the test phase and compared for verification with each other as well as with other samples to generate the differentiated identification pattern. ## **Types and models** There are **two types of voice biometrics for** authentication. Closely related to the time at which the system is run, the type chosen will depend on the use case and the application in which the authentication is to take place: ### **Active voice biometrics** This type of voice authentication prompts users to **say a phrase or words aloud a certain number of times** so that the system can create the voiceprint and associate it with their identity. Then, when the user wants to authenticate, they must recite a phone number, their account number or another specific phrase to match the **voiceprint**. That is, the user must perform an action by actively participating by specifying a phrase that serves as a password. This type of biometric identification by voice has **double security: recognising the vocal pattern and knowing a password or data.** ### **Passive voice biometrics** The difference between active voice biometrics and passive voice biometrics lies in the user's participation as his or her voice is recognized. Here, **it is not necessary for the user to say specific words or phrases, but just to speak** and say anything for a few seconds. The content of what is said is not relevant to consider authenticating you. In this method, the vectors and factors that interpret the sound information are maximized, making it a **secure and infallible** method of identification, as well as **simple for the user**. It does not matter the text or **even the language in which you speak, with security controls that detect prerecorded voices**. ## **Use cases and practical applications of voice biometrics** Beyond unlocking a device, voice biometrics has found its place among the biometric identification techniques used to **enroll, authenticate and verify customers and users in multiple use cases**. Companies and businesses across all sectors and industries are integrating this technology, although the following areas of activity stand out: * **Banking**. * **FinTech** and financial services. * **Insurance,** [**eHealth**](https://www.tecalis.com/industries/healthcare) and insurtech platforms. * **Utilities** and services: gas, electricity, water... * **Telco** sector. * **Online education** and training. Voice biometrics systems are integrated into the processes and operations of these areas through **all kinds of channels**. Like facial recognition, this technology is taking place in customer onboarding processes either through an **app or a website**. On the other hand, newer applications of it are integrating it into **chats and virtual assistants** available to customers on different platforms. However, although they take place in all these channels, the use in **videoconferences and call centers (VRI and sales agents or telemarketers)** stands out. In this implementation, voice collection can take place **before or during** the contact with the commercial agent, depending on the use case. ### **Identity Verification** As we have been discussing, identity verification is the backbone of the [**KYC (Know Your Customer) processes**](https://www.tecalis.com/blog/aml-anti-money-laundering) that occur during the digital onboarding of users. While the already standardized facial recognition is the norm and has an absolute success rate, voice biometrics is emerging to be part of KYC processes, either as a complement or as a unique identification factor. ### **User authentication** After registration during onboarding, the voice pattern storage is used to authenticate the user when they **log-in to customer platforms to access manage their products and services** or manage their preferences. This is where voice biometrics is strong, as **many users** still **make their queries over the phone**. Commercial agents can have prior information before attending to the user because the user interacted with his voice in the assistant prior to the referral to personalized attention. On the other hand, another form of implementation consists of recognizing the user in the first few seconds when he is asked what he wants to consult about, which is enough time to identify him by voice and display his file. The creation of the biometric voice pattern can be created not only in the first registration and onboarding but can also be proposed to the user in any contact with him and inform him that it will be used to authenticate him in future contacts with more agility and ease for him and for the agents that will attend him. On the other hand, like face, voice can act **as a second authentication factor in** [**Strong Customer Authentication (SCA)**](https://www.tecalis.com/blog/sca-strong-customer-authentication) **MFA strategies** on any platform. The combination of face and voice would prevent **SMSs that may incur** [**SIM Swapping**](https://www.tecalis.com/blog/sim-swapping) or forgotten credentials. Both telephone and online **transactions and payments** are already implementing voice biometrics, for example, to authorize bank transfers. More disruptive applications are also proposed in the [**tourism and hotel area, such as online check-in**](https://www.tecalis.com/use-cases/check-in-online-hotels-hospitality) with voice and even opening doors in hotel rooms, similar to what is already done with the face. ### **Signature and Acceptance** The [**advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) is the most agile and versatile method of [**contracting and acceptance of conditions**](https://www.tecalis.com/electronic-signature-esignature-contract-negotiation-cycle-infographic). The implementation of this tool in businesses in all industries and areas has brought huge benefits and triggered both growth and resource optimization. Voice biometrics can be used in digital signatures to identify your users by voiceprint. **Supported by the eIDAS (electronic IDentification, Authentication, and trust Services) common framework**, and endorsed by the most demanding auditors, it has full legal validity and is perfect for telco or energy sector contracting through call centers. ## **Advantages: User experience** Voice biometrics is a new **approach to improving the user experience when interacting** with brands, platforms and businesses. The obligation to identify users in order to comply with KYC, AML or other regulatory requirements associated with industry standards has prompted technology companies to develop different authentication methods that have the least possible impact and avoid any type of friction. It has proven to be as accurate as other biometric identification techniques and equally scalable and affordable. Its ease of integration and the availability of microphones in most devices have made it a very viable option today. Voice biometrics has been the answer to agility in telephone contact. The **TMO (Mean Time To Operate)** has improved considerably thanks to the implementation of voice biometrics. It has also been a relief for low light conditions where facial recognition forced users to turn on the light, although this is still the preferred option in circumstances where there is a lot of noise. Complementing the two depending on the environment is the most effective solution. ## **Speech recognition: differences and joint use** Many have wondered about the difference between two a priori very similar concepts, voice recognition and voice biometrics. Although they share certain technologies, their purpose is very different. While **voice biometrics tries to identify one user** to distinguish him from another, **voice recognition is a tool for communication between people and digital devices**. Also known as **automatic speech recognition (ASR)**, it performs operations related to phonetics, syntax and semantics to understand what, through his voice, a human wants to express with an acoustic and sonorous message. This computational tool is used to transcribe and recognize a message, as opposed to a tone. As we have seen, **active voice biometrics makes use of voice recognition to understand credentials (passwords, phrases, numbers...) issued by an acoustic medium**. The two technologies can work together and function for both or different purposes by adding certain additional functionalities. The uses and applications of speech recognition per se range from automatic dictation to message interpretation. --- ## Risk management: Approaches and applications in 2025 **URL:** https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects **Descripción:** Risk management and prevention is one of the main challenges companies and regulatory compliance/operations officers are currently facing. **Risk** **_management_** is one of the main challenges facing companies today. In any business, planning is the key not only to **grow**, but also to **sustainability** and, in many cases, to survival. Understanding risks as a measure of the magnitude of damage in any specific circumstance will help us to **prevent mishaps** or, if they are unavoidable, to be able to **react to them in order to mitigate their effects**. Approaching risk management from a professionalized perspective will provide both our organization and our clients with security and guarantees. Establishing **structured business processes** based on **professional and tested standards is the** only way to **ensure** the achievement of the proposed **objectives. In** this way, thanks to appropriate risk management, we will be able to **guarantee the operation of the business**, its **operations** and, therefore, its sustainability. ## **What is risk management?** Risk management is a set of **procedures**, **standards** and **methodologies** implemented in the operations of an organization or business to **deal with possible threats and eventualities** arising from the **development of its activities**. Regardless of the activity in which a business is engaged, as well as regardless of its size or industry, any company is exposed to risks in carrying out the operations that allow it to be active. Risk management is about identifying risks in order to monitor and evaluate them.  Also known as **Enterprise Risk Management (ERM),** this area is already in many companies an individual department or a sub-department integrated within the compliance/legal or operations departments. ### **Objectives and steps** Approaching this task from a professionalized perspective requires the establishment of **specific and defined** risk **guidelines.** In risk management systems, as a general rule, there are the following **basic phases**: 1. **Context definition:** Risk management strategies should be **developed** according to the type of context and **operation**. The best way to approach risk management is from a first phase that **fully analyzes the organization and its processes**, without forgetting crucial aspects such as **external sources of risk**. 2. **Policies and objectives:** When creating a risk management system, we should not embark on **designing models** that we will not be able to manage later due to lack of time, resources or capacity. Establishing clear objectives and setting general lines of action for risk policies will guarantee an **effective, sustainable system that really does what it sets out to do**. At this stage, it is crucial to **analyze the technology and digital tools available for the** creation of risk prevention and management systems. Currently, the situation we have just described does not occur in those companies that decide to use digital tools designed and adapted to risk management, being able to establish more ambitious policies and strategies and thanks to the best technology without the need to invest large sums of resources or allocate large amounts of equipment. In this way, if it is decided to have innovative and updated tools, there are no limitations in terms of the objectives set, for example, fraud prevention capacity and complete mitigation of certain types of risks. 3. **Definition and Detection:** One of the main parts, if not the most important of these phases, is the **identification of the risks likely to occur**. Knowing and categorizing the different potential risks that the company will face is the basis for working on risk management. 4. **Analysis and classification:** Once the risks have been detected, they must be analyzed and classified. This classification can be done from various points of view or perspectives, although the most common is usually by operational area of the business. However, the most recommended at present is the one that categorizes risks according to the **phase of the customer journey in which the company's activity flow is**. Similarly, other moments must be taken into account, such as all corporate and after-sales operations, as well as all previous work, such as relations with suppliers. 5. **Assessment and evaluation:** Once defined, analyzed and classified, it is time to assess the scale that will determine the achievement of the objectives and compliance with the policies designed in phase 2. Here, a risk map must be created**, assessing importance and impact** (low, high, medium) and the **probability** of the risk occurring (possible, occasional, constant). After this, a **prioritization** guide can be drawn up to mark the policies. 6. **Establishment of prevention systems:** The best risk management strategy is one that mitigates risks before they happen. Although there are certain types of risks that cannot be avoided (although they can be foreseen), the vast majority of risks in almost all sectors can be mitigated without having consequences. In this sense, as we have already mentioned, **having the best technology and the most modern risk prevention systems** will ensure a better defense against potential undesired events. 7. **Monitoring:** Ongoing monitoring of the risk management process involves reviewing all previous phases again periodically to identify new potential events, reassess probabilities and scope, learn about new tools to help prevent existing or new ones, as well as the **readjustment of policies and objectives based on regulatory and normative changes**. Those businesses that count on a [**RegTech partner**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) to provide them with risk management and prevention tools are usually relieved of this last task in monitoring as they update their solutions according to the evolution of legislation or market dynamics. 8. **Treatment**: Providing a solution to the risks that have become a reality with **speed and responsiveness** is crucial to **mitigate the** damaging **consequences** at many levels: legal, operational, security or even continuity. At this stage, it is crucial to have established **specific action guidelines** to be carried out in each case and according to the nature of the offense committed, and to **have the relevant tools to implement them**. Although in each company, and according to the different professionals who develop risk management, a different number of phases are established or some are eliminated, we consider that these eight are those that result in a **complete system with an integral perspective.**  Using the **right tools and agile** optimization **methodologies** will make a more comprehensive and all-encompassing risk management strategy even simpler than a more traditional one with fewer phases. The fact that this management model includes a larger number of steps is not indicative of a more complex and burdensome outcome for the organization - on the contrary. Establishing these eight steps in the right way will help to achieve more agile and concrete management on a day-to-day basis thanks to the detailing of the processes. ## **Risk management in the financial, banking and insurance sector** Enterprise risk management in the **BFSI (**[**Banking**](https://www.tecalis.com/industries/banking)**,** [**Financial Services**](https://www.tecalis.com/industries/financial-services) **and** [**Insurance**](https://www.tecalis.com/industries/insurance)**) industry** must be even more comprehensive than in other sectors. While all areas of activity must establish controls and decisive risk policies, this industry is more sensitive given the amount of fraud and attempted wrongdoing by users. If we talk about financial risk, many will associate this term with fluctuating economic value due to uncertainties in investment performance or asset and savings management. The most prominent in this regard are **credit risk and market risk**. The former, as mentioned above, is due to fluctuations in the markets in relation to exchange rates or interest rates, while the latter is due to the non-assumption of liabilities and obligations with regard to, for example, the payment of a mortgage. ## **Types of risk in the financial sector** However, in risk management, what we are really talking about is **operational risk**. This refers to losses or damages caused by inaction, failure to adapt or errors in processes, safety tasks performed by employees or internal systems and the way they are used in the face of external events. In other words, risks caused by non-compliance with the required safety standards and arising from the nature of the sector's operations and its way of being (dynamics of interaction with customers or relations with suppliers, for example). The following are some of the risks that are most prevalent in the financial industry and banking today due to poor overall operational risk management of the various financial companies and institutions: * **Identity fraud**: Verifying that the customer is who they say they are at the time of **onboarding or opening a new account** is not only a method to prevent fraud and mitigate risk but a legal obligation in virtually all markets and countries. The risk occurs when the identification of these customers is not done properly and when **powerful technology** is not used to **prevent potential fraudsters from becoming customers**. * **SIM Swapping and account theft**: While [**SIM Swapping**](https://www.tecalis.com/blog/sim-swapping) is not really a risk in the financial sector, this fraud committed through tele-operator process failures puts the BFSI industry at risk due to **2FA** strategies to comply with **PSD2** and **SCA** standards when transacting from customer portals. The use of OTPs to **authenticate users and sign online transactions** is a meaningful security addition, but it is no longer useful when fraudsters can access these codes having performed this type of fraud. Authenticating with facial biometrics and creating more comprehensive MFA strategies with inherent factors solves this problem. * **Money laundering**: Money laundering is one of the biggest challenges facing the industry. Thus, regulations in this area and the financing of terrorism are forcing companies in the financial sector to establish [**exhaustive anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) to avoid this type of practice. Thus, this type of financial risk is becoming a major part of companies' prevention strategies. The area of banking, finance and insurance is exposed to fraud attempts by those who use their products and services, something that has increased exponentially as these companies have moved into the digital environment. In any case, [**FinTech, WealthTech and InsurTech**](https://www.tecalis.com/blog/x-tech) leaders are taking advantage of technology to mitigate them without complications and in an agile and simpler way than it might seem. ## **Risk-related regulations** Regulations such as [**AML6**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) are responding to the risks of money laundering in the financial sector. In this sense, anti-money laundering directives are implemented in most states and oblige companies in the financial sector to establish risk management systems that mitigate or completely eliminate the possibility of committing this type of crime. On the other hand, in relation to identity fraud, the **eIDAS framework** is protecting both users and companies from risks such as account theft and identity theft. **ISO 31000/2018 standards** are standards intended to teach companies what general principles should be established to perform minimum risk management. This standard, together with the **ERM Framework** issued by the Committee of Sponsoring Organizations of the Treadway Commission (**COSO**) has brought standardization to risk management successfully. The latter proposes integrated control frameworks and corporate responsibility in relation to risk management. ## **Projects** Risk management associated with projects is a recurring theme in any master's degree or specialized training in **project management**. Project risk management is not very different from the traditional conception we have defined of how companies approach it globally in terms of their activity and operations. While it is true that **in project management the objective is to prevent, mitigate and avoid events that may affect the company's activity**, **in project management risk is associated with everything that may affect the success and completion of the project.**  The eight proposed phases can be perfectly applied and a risk management strategy for projects can be developed based on these steps, although **adapting the analysis and context to the nature and characteristics of a project**. Some **examples** of issues to be taken into account in projects and in which certain risks are involved may be: * Identity issues when dealing with suppliers (can be mitigated with [**Know Your Business controls**](https://www.tecalis.com/blog/kyb-know-your-business)) or data management in connection with * Problems of non-compliance (can be prevented with the use of [**electronic signatures**](https://www.tecalis.com/products/electronic-signature)) of conditions or agreements between parties. * Communication problems with suppliers, project teams or the customer (can be solved by using [**certified communication**](https://www.tecalis.com/products/certified-communication)). * Financial risks in projects where funding is conditional on progress or results. * IT security threats that jeopardize the project. * Risk of delays due to bottlenecks in certain processes. In this sense, the use of [**RPA (Robot Process Automation)**](https://www.tecalis.com/products/rpa-automation) is proving to drive rapid project delivery by relieving teams of mechanical and repetitive tasks to focus on higher-value tasks. * Risk that another company will launch, for example, a similar product earlier. ## **Fraud Prevention** As we have seen, fraud prevention is one of the main issues facing risk managers today. In the United States alone, between 2008 and 2020, **eleven billion data thefts** occurred**, a figure that continues to rise**. **Identity fraud nearly doubled from 2019 to 2020** with losses approaching seventeen billion dollars that year alone according to a study by Javelin Strategy. On the other hand, we can see how to **account thefts increased by more than 72% in 2019 compared to 2018**. With this data, we can dare to say without a doubt that **identity fraud is the most pressing risk that companies must respond to through updated and powerful risk management systems**. In this sense, we can see how some companies are implementing **fraud detection systems instead of those aimed at** prevention. Thus, fraud prevention must be addressed before the illicit act is committed, not before or during, since the risk of the attempt becoming a reality is, in many cases, high. ## **Technology for risk management** Thanks to **machine learning** tools **and best practices** in their application, certain technology providers are offering companies solvent and scalable [**anti-fraud control systems**](https://www.tecalis.com/products/anti-fraud-controls) that place the number of frauds and penalties derived from their commission at zero without the need for investment in large projects and with **agile integration into business processes and operations**. Now, thanks to the best technology and **innovation**, the management of certain types of fraud, as we have seen, can be done with digital tools that take **mitigation** to the extreme**, achieving the goal of zero risk, zero fraud**. The important thing when choosing an application is to ensure that it is scalable and that it adapts to the use case of our business that presents an associated risk. Similarly, confirming that the supplier of this technology is specialized in our industry is crucial for this adaptation to happen without having to involve other teams or incur costly and time-consuming process transformations that slow down the pace of our business. ## **Occupational risk prevention (ORP)** Occupational risk prevention (ORP) or job safety analysis (JSA) often appears alongside the overall risk management of companies. Although this area is **usually led by human resources and talent management teams and departments**, some companies choose to give this responsibility to those in charge of compliance or operations. Just as the risks that can affect a company and its activity are important, those **factors that can damage the safety or health of workers are equally monitored** and must have a defined strategy and system to prevent them. However, the idiosyncrasy of the workers and the different ways of approaching business operations versus their tasks, make the **methods different**. This area **is heavily regulated** and occupational risk prevention professionals must **attend to and manage them in accordance with the laws** that the states and regions have developed and implemented. For example, in Spain, **Law 31/1995** on the prevention of occupational risks aims to promote the safety and health of workers by applying measures and implementing specific activities to prevent the risks associated with different jobs.  This ORP law was later modified and extended by Law 54/2003, which, however, **urges companies to consider occupational risk prevention as a key point in the general risk management systems of the entire company. As a** result, **global risk management and ORP have converged** in many circumstances, making use of similar tools for certain very specific cases. --- ## Process automation: what is it and use cases by industry **URL:** https://www.tecalis.com/blog/process-autoamtion-types-rpa-bpm-what-is-how **Descripción:** Process automation is increasingly reaching areas and industries that we would have thought before that they would not be able to implement it. **Process automation** is increasingly reaching **areas and industries** that previously we would have thought would not be able to take advantage of all the benefits of this **way of understanding new company models**. Similarly, it depends not only on the activity of the business or its operations but also on its size. It may seem that only large companies can establish **standardized processes amenable to automation given their optimization**. However, **scalable automation tools** are enabling companies and organizations of all types to transform processes in days thanks to their simplicity in implementation and versatility to adapt to the systems already in use. ## **What is process automation?** **Process automation** is the **transformation of certain mechanical tasks in such a way** that they can be **executed and carried out with the minimum** possible human **intervention.** All that phase and work are considered as manual among the usual tasks carried out in a department or area of a company. As we have been saying, approaching automation implies making strong commitments to the concept of **optimization**. Devising systems in which business operations in all areas work **effectively and efficiently** is the basis for beginning to reinvent processes. In this way, automation in business takes place at the moment when **traditional processes are executed agilely and without intervention thanks to the calls or triggers that are made in the systems and that trigger consequent actions derived from a first concrete one**. Here, we must establish **priorities and decision trees** to define the **workflows** of the systems that execute the tasks. Systems engineering, industrialization know-how and the **latest technology in the digital field** are put at the service of business operations to **reduce costs, speed up times and eliminate the possibility of error**. It is thanks to this last point that we highlighted, about technology and digital platforms, that companies are beginning to automate tasks in a more extended way. Establishing very specific workflows and not being afraid to **innovate in** terms of how to do things differently to achieve the same objectives and results will ensure the success of a transformation process towards process automation. ## **What are the types?** Process automation can be approached **from different perspectives and points of view, some more up-to-date than others**. Each method makes sense in the reality in which it will be applied, however, there are some that have a wider versatility and fewer limitations. The following are the **three most widespread and well-known types of automation**: ### **Macros** This automation technology is one **of the oldest and most consolidated technologies** that began to be implemented more than 30 years ago. Also known as shortcuts, these automatons are based on functions that **replicate operations to avoid the repetition of calculations** that result in the proposed objective. **Task launch scheduling** is one of the most commonly used automatons within what we know as macros. This method is somewhat more **complex and requires the use of specific programs** that sometimes not all employees can use. In addition, it does not allow users to neglect the system, having to schedule and monitor actions on a fairly constant basis. Its key point is in the sequences, which must be established in advance and in great detail. ### **ITPA: IT Automation** The highlight of IT process automation, **Information Technology Process Automation**, is that of **measurement**. Its focus has always been on the **IT departments** of companies, being able to boost the productivity of this area and help the teams led by the **CIOs**. This method is capable of **minimizing the attention times to the requirements requested** to these departments, to the adaptation of the systems to new standards or the development of **new functions**. Although it is much more **specific to these departments** in companies, its **capacity is somewhat greater**, being able to integrate various layers from the back office to processes in business operations. This model has proven to be able to simplify and, on many occasions, make the resolution of problems such as server crashes instantaneously. ### **RPA: Robotic Process Automation** [**RPA (Robot Process Automation) solutions**](https://www.tecalis.com/products/rpa-automation) are completely transforming the way automation has been conceived so far in companies, especially in those that are using **digital cloud platforms** for their optimization and productivity improvement goals. With these process automation systems, **there is no need for human supervision**, since thanks to the integration of **artificial intelligence and machine learning** models, these **soft-bots** act in the same way as a human being would. The big difference with the previous two is that these automatons operate in environments designed for human use. In other words, thanks to RPA, **programs, systems and applications previously designed with interfaces adapted for humans** can be executed in an automated way. It is from this innovation that we begin to speak of the term "**virtual worker**". Within RPA we can find systems that work with **deterministic processes using structured data and rules** to design constant workflows. On the other hand, more modern applications are capable thanks to AI of carrying out **undefined tasks without structured data**. In any case, the best robotic process automation solutions will be able to work and operate under conditions of any kind but, above all, they must have an accessible, simple and agile management and control platform so that employees with less technical skills can use them without any problem. ## **Examples by industry and area** While it might be thought that these process automation systems are only applicable to certain business segments or operational areas, the most up-to-date solutions **are being implemented in any industry and in all departments** of an organization. No matter what **industry the** company belongs to, how **big it is**, or whether it is an **online business or a company with in-person points of sale**, modern automation systems are already **optimizing workflows without distinction.** Here are **just a few examples of the countless automated processes**: * [**Onboarding**](https://www.tecalis.com/blog/customer-onboarding-what-is) of new **customers**, collection and validation of documentation or creation of **statistics**. Massive **database** uploads or **calls** to obtain the required information. Customer service and resolution of **incidents** or breakdowns. * [**Human resources**](https://www.tecalis.com/areas/human-resources-talent) processes of all kinds, from the sending of signings, payroll management or permit renewals. * Any task of the [**accounting and financial departments**](https://www.tecalis.com/areas/accounting-administration-finance-cfo), connecting with all operational areas of the company or third parties to, for example, establish **commission** or **partnership** programs and integrate them into the general accounting. * **Inventory** management, **order** release, **inventory** control and **material** analysis. ## **How to automate business processes today** One of the most controversial issues about automation is the perception of it by **employees and the public**. There is a tendency to mistakenly believe that implementing RPA software will destroy a large number of jobs. The truth is that tackling a transformation process in a company, whether it **is an SME or a large company**, will always generate friction and must be done by taking into account all the aspects that it will affect. However, automation has proven, after its implementation, to **improve employee happiness and productivity**, as well as work-life balance. The omission of mechanical tasks as well as the possibility of establishing schedules outside the usual timetable in which process automation systems continue to work on the same tasks have boosted the figures in terms of employee satisfaction. To begin the implementation of the systems that will automate processes in our organization, we must create an **operations map** to analyze the different operational areas of the business and their internal dynamics, dividing these by **tasks** and, in turn, by **steps and phases of each specific process**. After this mapping, we will have a **global vision of the functioning of our business and its operational units, as well as the interactions between them**. Thanks to process analysis and control, we can create **optimized workflows** to find **friction points** and propose new **execution methods to** solve **cost, time, risk, or target** issues. Thanks to [**UIPath and Tecalis RPA**](https://www.tecalis.com/tecalis-rpa-automation-uipath) Bundle, business can get a perfect RPA solution. After the design of this initial mapping to specify the tasks and processes, as well as the definition of those responsible for them, we must **choose which technological solutions are the most appropriate to optimize them**. As well as the choice of the solution, we must take into account the digital partner with whom we are going to work, being one that understands our reality, the industry in which we operate, and the operational challenges facing our business. As we have been discussing in previous points, RPA has proven to be the most advanced and versatile technology for process automation, **adapting to any type of use case and being able to be integrated into systems and processes of all types** and in very different situations. Therefore, today, we consider without a doubt that RPA is the safest and most capable process automation implementation method. ## **Results and future of process automation** Companies that have implemented process automation systems have experienced a series of changes capable of **completely transforming their business model**. We are no longer just talking about the typical benefits of process automation in terms of **time and cost savings**, but also about gaining the ability to **diversify the business or to implement in other markets with ease**. Thanks to the automation of processes, changes have taken place that has made tasks accessible to all the actors in a company, in addition to driving top-level performance control and preventing any type of error. **Standardization** has proven to drive important sectors around the world in industry and manufacturing. This concept can be carried over in exactly the same way to other areas, multiplying the forms of **interaction between areas with agility and simplicity to map processes and integrate systems**. Finally, the future of process automation involves the use of artificial intelligence and machine learning techniques in simple tasks, **expanding the possibilities and making business management and decision-making intelligent models**. On the other hand, the integration of **cloud solutions** is making it possible to integrate automation systems in days and create, for example, complete chatbots in hours by employees with little technical knowledge. --- ## Employee, customer, and business onboarding explained **URL:** https://www.tecalis.com/blog/onboarding-what-is-employees-clients-companies-incorporation-induction-process **Descripción:** Onboarding is the first key interaction employees, customers or businesses perform with a company. Its phases and how the process works is important. **Onboarding** is the **first decisive interaction** that users have with an organization or business. Establishing **experiential** onboarding processes **that cover all the needs and phases** for the effective registration of new members is a guarantee of success for any company or institution.  This concept, although widely recognized in the **area of** [**human resources**](https://www.tecalis.com/areas/human-resources-talent), is equally applicable to the **commercial, sales or purchasing** functions, as well as to other operational sections within a company. Thus, we can talk about **onboarding of employees**, **customers or even businesses** (suppliers, partners, collaborators...). In this article we will delve into each of the different types of subjects that can be targeted by onboarding processes, the phases they go through and the considerations that must be taken into account to design **customer, employee and business journeys in** an optimal and up-to-date way. ## **What is onboarding?** Onboarding is a term created by business management professionals to refer to the **process by which new employees, customers or suppliers join an organization or company as full users**. This mechanism begins at certain times depending on the type of user being onboarded. In it, **both the user and the company obtain and provide information**. This transmission of sensitive data must be done in accordance with the **regulatory standards set by the legislation of the market** where the company is performing the onboarding, and all aspects related to **privacy, reliable identification and secure storage** must be carefully considered. There are other terms closely related to onboarding. Thus, this procedure is also referred to by many as **induction** or **hiring**. In the case of customer onboarding, we speak of **acquisition** process, **contracting** or the standardized **KYC (Know Your Customer)**. For the registration of freelancers, freelancers or companies as partners, suppliers or partners, the counterpart terms that are similar to onboarding would be **KYB (Know Your Business)** and **due diligence**. ### **Minimum steps for any onboarding process** Therefore, we see how organizations comply with a series of **minimum** phases **for onboarding an employee, customer or supplier:**  * Obtaining your **identity information and other** associated **data**: Identification documentation, mailing address, account number, payment information, tax information, telephone number and perhaps other information such as preferences associated with the relationship you will have with the organization. * The **verification that these data are truthful** and original: With more or less exhaustive **anti-fraud controls depending on the** subsequent operations that the user will carry out once the onboarding process has been completed. * The **registration** of this data in the **database** of customers, employees, suppliers or partners of the company: Storing the information with the corresponding practices. * The **generation of credentials** to access the organization: Either for an employee to have access to the tools he will need to perform his tasks or to the facilities where he will perform them, or for a customer to enter his personal area to manage the products and services contracted. * The implementation of a **series of actions to achieve a good fit**: In the case of employees, the onboarding process is also known as organizational socialization, planning specific meetings for them to get to know their colleagues and other work teams with whom they will interact. In the case of a client, sending them communications with information about the products and services contracted as well as other complementary ones. * The **evaluation of the results** obtained and the **follow-up of the user in the first months** after joining the organization: In this last phase, all previous phases are evaluated and an assessment is made of the user's current status to determine if he is comfortable or if needs have arisen that the company can address to improve his position as a loyal customer, committed employee or trusted partner. Satisfaction surveys, interviews or reviews will ensure that users are not lost at decisive moments. Each company performs onboarding processes with different standards and defined phases. However, the points mentioned above must be complied with in order to **achieve a minimum level of** satisfaction in new users and [**to avoid risks during the process**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects). This is a key moment not only for the end user, but also for the **company, which risks incorporating users with illicit intentions** that could jeopardize the integrity of the organization, **exposing itself to sanctions and problems as well as disturbing the rest of the components**. ## **Digitizing incorporation** Today, with the **rise of the digital economy and remote interaction** between users and companies, onboarding processes have become digital. This has enabled many businesses to **transform their model to be scalable, more sustainable and productive while responding to the current demands** and needs of users who demand to be able to operate from anywhere and at any time with total flexibility.  Thus, the concept of [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) has crept into the vocabulary of many companies in recent years. However, this technological version of the traditional onboarding process has been with companies in sectors such as [**banking****,** **finance**](https://www.tecalis.com/industries/banking-financial-services-fintech)**,** [**insurance**](https://www.tecalis.com/industries/insurance) **and** [**telco**](https://www.tecalis.com/industries/telecommunications) for much longer, although it is only recently that all industries have begun to embrace it as a mandatory standard. This method of onboarding is a specific type of onboarding that follows its own rules, since identity fraud in the online environment is more pronounced than in the face-to-face environment, although it occurs in both. Therefore, remote onboarding requires the **use of anti-fraud technologies that verify the identity of users as effectively** \- or in some cases even more effectively - than a human in a face-to-face contact. ## **Employee onboarding** Many talent management teams wonder **how to develop employee onboarding that brings advantages and benefits to both parties without the need to invest amounts of time and resources that the organization cannot afford**. The answer lies in the concept we discussed earlier, digital onboarding. Now, many companies operate with a **full-remote** perspective **with offshore teams** in different locations, which has forced them to establish more comprehensive employee onboarding processes and the **creation of access for login, clocking in and other area use cases done in a completely digitized way**. In any case, onboarding in human resources and talent management has its own rules. In short, onboarding serves to welcome the employee to the organization as planned and to ensure that the signing of the contract is carried out quickly and smoothly. **All the stages from the publication of the offer until the employee has passed the probationary period must be fixed and considered.** Having **holistic onboarding software** will allow talent teams to put aside the more cumbersome and mechanical tasks to focus on the employee and give them the best possible experience. Employee onboarding processes - of new workers - are crucial for any company. Giving a **quality reception and welcome** to new members of the company will ensure their **motivation**. Here we are talking about **Candidate and Employee Journeys**, since the flow starts even before the employee's first day of work in the company, at the time of recruitment. [**Access here for free to the Webinar in which you will discover from the experts how to create a successful employee onboarding.**](https://www.tecalis.com/es/webinars/empleados-candidatos-talento-cancidate-employee-journey) Taking care of this method will be decisive in the **employee's perception of the company he/she works for**, adjusting the expectations before the incorporation to the reality once in the company. In human resources, there are a number of fairly standardized key aspects to take into account when designing an employee onboarding process, called the 4 C's: * **Clarity**: One of the most common problems in the first months is the bombardment of scattered information and the difficulty for the employee to firmly understand his or her role in the organization. Being clear and concise at all stages of the employee journey will ensure retention and avoid misunderstandings. Explaining their tasks and responsibilities, the tools they have at their disposal to work with and the resources available to them is essential. * **Compliance**: Particularly sensitive for positions where sensitive and confidential information will be handled, defining the corporate policies to be complied with, from legal obligations to security or PRL standards, will avoid many problems. * **Culture**: Also known as the socialization phase, the employee must be introduced to the rest of the organization and introduced to the work groups with diligence and friendliness. Making them aware of the company's culture, dynamics and ways of acting will ensure that they feel comfortable and fit in with the rest of their colleagues. * **Connection**: Providing the employee with the relevant information is necessary not only at a regulatory level, linking it to the compliance point discussed above, but also for the employee to be productive and capable. Giving them access to the necessary systems as well as to the people from whom they will need help to develop certain tasks or projects is a must. Some companies choose to assign a "**buddy**" or colleague to guide the new employee in the first few days. This person can be a member of the human resources team or your own manager, if you have one. Providing him/her with organizational charts, **access to the intranet and organizing induction meetings** is crucial. Therefore, having a general onboarding plan and adapting it to each employee is a necessity so that the objectives proposed with the incorporation of this person are met, as well as the employee's expectations.  Having **tools such as** [**electronic signatures**](https://www.tecalis.com/products/electronic-signature) **and** [**certified communication**](https://www.tecalis.com/products/certified-communication) **so that the relationship between the company and the employee is fluid, agile and does not generate costs and wasted time** is crucial today, as well as [**identity verification**](https://www.tecalis.com/products/identity-verification) **systems** for employees who are teleworking. Likewise, for those in a face-to-face office, access can be granted through facial biometrics to avoid queues at the entrance. ### **Customer onboarding** Better known as [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer), the acquisition of new customers is a standardized process across all industries and requires strong identity verification and AML controls depending on the sector of activity to which the business belongs. Registering users and onboarding them without delay is now within the reach of any business thanks to the most innovative digital onboarding tools. This term is also known as [**customer onboarding**](https://www.tecalis.com/blog/customer-onboarding-what-is), an integrated phase within the most complete and extensive [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions). Designing attractive sales, marketing and new user registration systems will increase conversion rates to reach the proposed goals. ## **KYB: Know Your Business and onboarding for companies** Today, all companies function through interaction with others and the support of reliable partners who help them achieve their goals. The new way of doing business is different from what was considered standard just 15 years ago. **Today, creating a network of allied and reliable companies is the key to success**. Onboarding for companies - commonly known as the [**Know Your Business (KYB)**](https://www.tecalis.com/blog/kyb-know-your-business) or [**Due Diligence**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) [**process**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) - consists of registering **freelancers, freelancers, SMEs or large companies as partners, suppliers or strategic partners** of our company. The process is not too different from KYC as far as information verification is concerned, although the data to be checked is much more exhaustive and is based on business documentation that guarantees that the organization is reliable and that we are doing business with a safe company that really exists. Due diligence processes try to make a complete x-ray of the business from both internal and external sources before an acquisition or merger, although it is also used in more sensitive sectors where it is strategic to have this type of company onboarding tools to ensure the security of the business. ## **Offboarding: closing the cycle** The latest trends in onboarding and the new tactics proposed have brought this term into use. **Offboarding closes the cycle when a user or subject wants to leave their business, employment or partner relationship with our company**. Leaving everything well tied up and sealed with regulatory support thanks, for example, to the electronic signature is an insurance guarantee against any eventual complication. Therefore, we have seen all the advantages and benefits of onboarding in all its variants and typologies. This business process is **capable of providing retention, loyalty, satisfaction and motivation to all types of users**. Regarding the organization, onboarding generates great **benefits in terms of profitability, cost reduction, time and ease in achieving** human resources, marketing and operations **objectives.** --- ## PropTech and real estate: Businesses transformation **URL:** https://www.tecalis.com/blog/proptech-property-technology-which-is-real-estate-management-retech-sector-industry **Descripción:** PropTech (Property Technology) and RETech (Real Estate Technology) have fully impacted the industry with affordable and scalable tools. PropTech is a term that although it is being used more widely in recent years, it refers to an area that took off decades ago. The **digitization of home buying and selling** and the leap even to television advertising of the digital platforms that drive the real estate sector meant that for some time the players in this area made headlines in many media outlets. Real estate has always been a **safe bet not only for large investors but also for families and small savers**. The industry has undergone a series of changes in recent years, no longer related to the way of operating but to the **new dynamics of society and how tenants and owners, as well as the new generations, face renting or buying a home**. Thus, the sector has needed to reformulate itself to meet **user demands**, designing **specialized tools for professionals to guarantee agility, security and confidence in** such crucial and delicate **processes** and operations. ## **What are PropTech and RETech?** **PropTech** is the conjunction of all the players in the [**real estate**](https://www.tecalis.com/industries/real-estate) **industry** that come together to create **digital models** to drive innovation. **Property Technology is** the result of the application of the most cutting-edge technologies to the industry in such a way that it generates a series of transformations **creating new products and services** as well as **reformulating existing ones to make them more competitive**. This ecosystem is also known as **RETech (Real Estate Technology)** and has created a previously unthinkable subcategory of its own business. From the **development of web products for the creation of** real estate **platforms** to the use of **artificial intelligence and machine learning**, the projects designed around technology-based real estate management have made the day-to-day life of the sector's commercial agents, investors, owners, and tenants easier. Buyers and sellers meet on **platforms that facilitate the purchase process with electronic signatures and connect with banks to offer mortgage loans**. At the same time, we can see other applications known as the "Tinder" of the real estate sector that **make available to those who want to rent a room the tastes and preferences of future roommates**. PropTech not only **applies to real estate agencies, portals, or the sale and purchase between individuals** but also extends to **construction companies, architectural firms, real estate developers, asset managers, interior designers, renovation companies,** or smart homes (home automation and the internet of things (IoT). In the same way, RETech, as we have already mentioned, converges in many aspects with its "sister" term [**FinTech**](https://www.tecalis.com/blog/fintech-financial-technology), which provides **financing** to those who need it based on data obtained from real estate portals with **automated calculators that help users to get an idea of the possible conditions of a loan adapted to the home they are looking at in an online advertisement.**  On the other hand, [**InsurTech**](https://www.tecalis.com/blog/insurtech-insuretech-what-is-ecosystem) also has a lot to say with the **digital insurance offer for everything related to housing or renting**. Just like banks with mortgages, insurers have emerged with alternative proposals to the traditional conception of home insurance, with an agile and digital perspective that allows hyper-segmenting audiences to offer highly personalized services. ## **Categories and types in the PropTech ecosystem** The emergence of PropTech and its consolidation as a term is due to the **configuration of an ecosystem that begins to function in interconnected areas** as gears that make it possible for complex machinery to give the expected results. Both innovative startups and SMEs or large companies play a fundamental role, giving their best to build all the parts of a common whole. Thus, over the years, **business typologies** have been created that contribute their grain of sand to the area from different parts of the real estate sector and also originate in other industries such as technology or finance. Here are the **most relevant subcategories and areas of PropTech**: * **Real estate portals, marketplaces and market aggregators:** This category refers to the most famous platforms of the sector that we all know as well as others dedicated to the distribution and promotion of real estate services and industrial products. These are already used by traditional real estate companies and have specific plans for businesses and large tenants and owners, although they also allow selling to any individual without intermediaries. * **Applications based on Big Data:** This subgroup includes all businesses whose core activity is based on obtaining and processing data to offer real estate services. There are applications for online appraisal and valuation, often free and immediate, that provide estimated prices. The analysis of assets by areas with geolocation data or market reports, as well as companies that use big data to offer all kinds of services are among the most innovative. * **iBuyers, online real estate and hot investors:** Instant buyers promise to buy homes for cash in days by making valuations even without an in-person visit. They simulate possible renovations and profitability with AI technologies. Also known as hot investors, they are not only buying but also selling, with their own online real estate agencies. Real estate investment has been redefined with novel products that include crowdfunding for projects, digital housing cooperatives and renovation projects in cities to earn profitability with individual investors. * **Software providers for the real estate industry:** Here we highlight the innovative startups that develop technology, digital products and cloud tools for all the other subgroups of the PropTech ecosystem. Among the most used software currently used in the real estate sector are an **electronic signature, certified communication**, **PMS** (Property Management Software), CRM tools, photography and video for **virtual tours** or **RPA to automate tasks**. * **Complementary and post-housing services:** These portals for both private and corporate clients link plumbing, painting, renovation and other professional services related to housing and link them with insurance companies or real estate companies. * **Mortgage and insurance comparators:** As in other areas such as FinTech, there are specific online comparators for real estate and the search for financing. We can also find crowdfunding and lending initiatives specifically for individuals. * **P2P-only platforms:** Closely linked to the previous category, Peer to Peer are similar to marketplaces but leaves out traditional real estate. * **Industry 4.0 and smart homes:** Here we can find companies that design home automation solutions, smart homes or innovative and intelligent materials for builders and architects. In conclusion, we can say that the sector continues to evolve and that in the very near future we will see how some of these subcategories will end up converging while others will do the opposite, diversifying the number of players driving PropTech. There are dozens of examples of new businesses that have disrupted the way we understand property management and we can highlight that the most agile startups and companies are leading the way by bringing to the area a set of tools and solutions that help the emergence of these new types and models of business. ## **Most commonly used RETech tools and solutions** Processes and operations that used to require a face-to-face meeting due to the sensitivity of the event can now be carried out completely remotely. Yes, completely remote home sales and purchases thanks to [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer) solutions **for identity verification,** [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **and** [**certified communication**](https://www.tecalis.com/products/certified-communication).  As early as 2021, **73% of real estate purchases originated from an online interaction**. The **savings in costs and administrative tasks** that this has meant for traditional real estate companies as well as a great **reduction in the time it takes to close** initiated **transactions** has turned stagnant businesses with difficulties to growing into competitive and scalable ones. It may seem that these solutions do not comply with regulations or are exempt from the highest security standards; however, electronic signatures have brought **extra security and traceability to all interactions between buyers, sellers and intermediaries**. We are no longer talking only about remote and online transactions, but about digital signatures made with the parties physically present. This has increased the confidence of customers in real estate agencies and professionals in the sector to meet their expectations as well as **giving more guarantees to signatures that have a higher validity in the face of possible disputes or legal problems**. In the same way, certified communication, for example, the acceptance of an offer has brought great benefits and guarantees. These solutions are not only provided at the time of closing the transaction, but also before, for example with **visit reports, appraisals and valuations or even expert appraisals.** [**Robotic Process Automation**](https://www.tecalis.com/blog/rpa-robot-process-automation) has also revolutionized many tasks within branches and offices, saving agents from spending time on administrative and back-office issues to dedicate it to customers and the pursuit of new opportunities. ## **The future of the real estate** The future of property management is becoming increasingly digital**. Offer acceptances are now instant and binding, saving paper and time**. In investments, we are seeing large real estate transactions close much more quickly thanks to KYC. JP Morgan, Bullhound, Caffeinated Capital and Tiger Global emerged as the most important investors on the PropTech map during 2021. The industry is growing at breakneck rates leaving behind any business related to property management that does not join digitization. **Partnerships and alliances between FinTech and PropTech** will be a must in order to offer an **integrated experience to customers, both individuals and investors** or companies, so that they can **close several types of complementary operations in the same flow** and without friction. Traditional real estate companies and other players in the real estate sector will take advantage of PropTech, especially through **SaaS software developed by innovative startups and which they can integrate in days into** their operations without major costs. --- ## EdTech: Educational Technology for Assurance and Results **URL:** https://www.tecalis.com/blog/edtech-educational-technology-edutech-education-startups **Descripción:** EdTech has transformed the areas of education at all levels, as well as training in business and beyond. eLearning apps and webs are using its solutions. EdTech has **transformed the areas of education at all levels, as well** as **training in business and beyond**. While teaching and training techniques have followed fixed rules for more than a century, **the last two decades** have seen this activity reshaped to **take advantage of new technologies**. The **adoption of these new forms and methods** has brought about a revolution in the way education is understood, as well as the possibility of **broadening the audiences with access to certain educational content**. In any case, **we are currently experiencing a second transition in terms of the** ability to offer educational content remotely. The first of these came with MOOCs and the development of eLearning. Now, EdTech is presenting **scalable solutions that really do bring online education closer to the standards of demand, guarantees and regulatory support that face-to-face education already provided**. In this way, we can say that not only has it caught up with it, but in some cases it is capable of improving its proposal. ## **What is EdTech** EdTech is the **use of novel technologies in the education and training sector**. The term is equivalent to "Education Technology" and is synonymous with the less commonly used EduTech. While this definition may seem simple, it is the broadest and most versatile, as EdTech in turn is divided into two branches: * The use of technology to create **new teaching methodologies as well as to perform analysis and reporting of traditional educational processes.** * The use of technological innovations to **create new types of teaching, education and training formats different** from the traditional ones. That is to say, on the one hand we have the **variant aimed at improving and optimizing the teaching we all know**, giving it **new tools to achieve objectives and overcome goals**, and on the other, the EdTech part that is allowing the birth of **new business typologies and ways of teaching that were unthinkable** just a few years ago. These two approaches to educational technology have resulted in dozens of components within an ecosystem that has begun to develop strongly around the world. It is important to understand that EdTech affects both curricular teaching and training. This **area is transversal to all those activities related to education, corporate training, teambuilding, training or evaluations of any kind**. Thus, we can see how EduTech has fully impacted on: * **Schools, colleges, universities (public and private), graduate schools** and any other level **in classroom format**. * Any educational institution with **distance education** methodologies. * **Human resources departments** or consulting firms, for the areas of **training** or **evaluation of candidates or employees, PRL exams** and others. * **E-learning platforms** in any field, providing solutions to develop your activity as a supplier or partner. * **Evaluation system providers**. * **Certification agencies**, expanding their business and allowing them to be more competitive and guaranteeing. As we mentioned at the beginning of this article, **EdTech is moving into a new phase**. We could go so far as to say that the first perspective initiated the first phase of digitization of the education and training sector, with the second perspective now taking the lead in this second phase. However, the implementation of these solutions is very uneven and does not yet follow a clear pattern, with institutions and companies betting on these innovations and others that still have unfinished business, including some of those offering remote education. One of the **main challenges faced by EdTech in its first batch** had to do with the **guarantees provided** by the organization that was issuing the certifications. It makes sense to think that an online course taught in an environment outside the educational institution (home, library, an affiliated center...) does not have the same characteristics and guarantees as one developed entirely in an official center. However, EduTech has managed to **give the same normative, regulatory and educational support to online education as to face-to-face education**. A large part of this problem has to do with **online identity fraud, student supervision during the school period or attempts to copy exams**, as well as the issuance of diplomas under appropriate standards. Later we will see how **KYS (Know Your Student), proctoring and other digital tools** have **responded to this challenge with solvency, guarantees and recognition by the institutions**. ## **EdTech startups, leading the ecosystem** After **years of entrepreneurship and development of solutions applicable to the education sector**, the most innovative startups have taken the lead by offering companies and institutions in the industry tools that have made them not only grow, but also reach many more students and professionals. The EdTech ecosystem is diverse and rich, demonstrating that there is not just one way to boost education and reinvent teaching methods. We can see how **both large companies and SMEs have started to transform from very different points**, but have been able to take advantage of all the benefits offered by the **different players** in this ecosystem. In this way, we can say that there are a number of **main categories of types of organizations that work along the same lines and come together to make up the entire EduTech ecosystem:** * **eLearning: Online learning** platforms were born after traditional institutions began to offer a certain type of blended learning modality. The pioneers in this category are the **MOOCs**, open training that anyone can take for free and in many cases taught by prestigious universities. The eLearning platforms have made **use of the web development technology of many startups**, which are responsible for the **creation, maintenance and evolution of the** teaching **portals.** In other cases, it has been the same company that has developed the portal in-house. In both cases, they have used third-party providers to certify their services. * **Trusted Services:** This category of innovative startups provides solutions that **guarantee that the education provided has been developed under conditions of security and reliability equal or superior to face-to-face education in traditional educational institutions.** Thanks to the scalable tools of [**Electronic Signature**](https://www.tecalis.com/products/electronic-signature)**,** [**Certified Communication**](https://www.tecalis.com/products/certified-communication)**,** [**Identity Verification**](https://www.tecalis.com/products/identity-verification) **(Onboarding and access) and** [**Anti-Fraud Controls**](https://www.tecalis.com/products/anti-fraud-controls), the companies and institutions in the area have been able to respond to the challenges that we previously mentioned by the hand of RegTech partners that act as Trusted Third Parties to provide the maximum guarantee and support. One of the main services that bring trust to online education is proctoring: * [**Proctoring**](https://www.tecalis.com/blog/proctoring-online-exams-tests-evaluations-supervision)**:** Startups providing proctoring software may or may not belong to the trusted service providers - ideally they should. This evaluation system **supports all the training provided and leaves a record for the final issuance of certificates**. * **Innovation in the classroom:** Within this category we find organizations that have at the core of their activity the educational function but that resort to technology to innovate in teaching methods. Generally, these are **both specific methodologies based on innovation and providers of digital content to gamify the student experience**. * **Immersive educational experience:** This subarea focuses mainly on solutions based on **virtual reality, augmented reality and digital whiteboards.** Both on the content and hardware side, these companies provide disruptive tools for, for example, [**teaching in the metaverse**](https://www.tecalis.com/blog/metaverse-what-is-identity-risks-possibilities-who-access-opportunities-how-to-enter). * **Educational management platforms:** These ancillary solutions help **teachers and managers of** education and training **institutions** and companies to be **more productive, efficient and capable**. [**RPA (Robot Process Automation)**](https://www.tecalis.com/products/rpa-automation) stands out among the most innovative tools that are reducing bureaucracy and administrative tasks across the industry. * **Teacher marketplaces:** These portals help parents, students and families to **find private teachers or training centers**. There are already **comparative platforms** where you can visualize universities, their cut-off grades, degree subjects and other information. **Similar to what** insurance or dealership **comparators offer**, but with an educational focus. * **Development of online platforms:** The most experienced web developers have been able to create platforms and **virtual campuses** for all types of educational institutions. To conclude with this list, we can say that the area is still being composed and that **sooner rather than later we will see how new categories are born and others converge**. What is certain is that the trend is towards digital and scalable solutions. Companies and **institutions no longer have to pay for expensive developments to obtain quality EdTech solutions that they can implement in days**, without compromising their organizations and in **pay-per-use** formats **(SaaS and PaaS)**. ## **Know Your Student: KYS, remote services with guarantees** While this system is inherited from the already widespread and standardized [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer) process, applied across industries and sectors to verify the identity of users, **KYS has been developed so that content is delivered with the same guarantees as in a face-to-face location.** These systems are capable of **registering a student for enrollment and identification in seconds and with greater accuracy and support than the traditional methods** used by administrators at universities, institutions or assessment centers. Not only does it incorporate the student into the database, but it **also generates high-level credentials with** [**facial biometrics**](https://www.tecalis.com/blog/face-recognition) **and under SCA (Strong Authentication) standards** so that the student has access to the platforms where he/she is going to study and always with the utmost rigor, guaranteeing **that the person who is studying or receiving a certification is who he/she says he/she is.** In addition to this, **certified communication allows you to send notifications to the student - e.g. of exam dates, changes in timetables or test results -** with the greatest possible support. ## **Proctoring: Responding to EduTech challenges** With regard to **evaluation**, a key element in all **curricular and extracurricular training, and with a view to obtaining qualifying certifications**, proctoring tools make it possible to give **full validity to examinations with dozens of controls before, during and after the test.** This is **already being used by governments to test future civil servants for competitive examinations to** get a job, as well as by **training companies to perform PRL tests** or while signing agreements with the company. These systems include several technologies to reach an amazing level and, now, far exceed the guarantees of face-to-face examinations. In fact, **many educational institutions that offer 100% face-to-face teaching have integrated this tool in their** computers and **devices** so that their students can take the evaluations with an extra guarantee and legal support. ## **Advantages, disadvantages, myths and impact of EduTech**  To conclude, we are going to **unpack a series of key points regarding EdTech**. These considerations are intended to function as a FAQ on this area that is so important for society, the economy and the future of our young students and professionals: * Online, distance or remote learning is **just as productive** for the learner as face-to-face learning; sometimes even more so. This has been confirmed by **studies carried out by several universities**, including some that at the time did not offer online training. * EdTech has facilitated the **access of specialized educational content to audiences** that otherwise would not have had access to it. * Educational technology has made it possible to establish **more personalized and detailed teaching models**, with **more complete metrics and student performance data** for teachers to readjust curricula. * On certain occasions, if not done well, online education can lead to a **certain degree of human distance between teachers and students**, **although methods are established to avoid this.** * Online training has made it possible to create classes of students located around the globe, democratizing access to multicultural and internationalized education. * In most cases, the **online educational experience uses more innovative teaching techniques** that have resulted in **more practical content**. * **The expenditure of time and resources for administrative tasks** has been **reduced**, something that in many cases **discouraged** both teachers and students. **Proctoring and its methodologies are tried and tested**. It is also **perfectly legal and has the backing of the** most demanding **international** and public **organizations.** --- ## Identity Theft: Protect customer data and reputation **URL:** https://www.tecalis.com/blog/identity-theft-digital-online-internet-how-to-security-systems-business **Descripción:** Identity theft is more common than it might seem. Living in the digital world presents a host of conveniences, but also some real financial dangers. **Identity theft is more common than it might seem.** Living in the digital world presents a host of conveniences, but also some real **financial dangers**. So you review your bank and credit card statements with a fine-tooth comb and check your credit report regularly—just to make sure nothing is amiss. You create strong passwords as a matter of habit and use a password manager to be ultra-safe. You **enable two-factor authentication** on your apps and accounts whenever possible. You may have even purchased personal [**identity theft protection**](https://money.com/best-identity-theft-protection/). Smart move. **Identity theft** [**is on the rise**](https://www.mcafee.com/blogs/tips-tricks/a-guide-to-identity-theft-statistics-for-2022/) **and fraudsters are getting more creative and bolder all the time.** But as a business leader, your job isn’t just to protect yourself. It’s incumbent upon you to **protect your customers**, too. **Brand trust drives new customer acquisition and customer loyalty.** If you want to grow your business, you have to earn it. And **[one way to increase trust](https://www.forbes.com/sites/forbesbusinesscouncil/2022/01/28/how-to-build-and-maintain-consumer-trust-in-a-digital-first-world/?sh=7b77dbae2709)** among your customers is to implement rigorous cybersecurity protocols. ## **What is identity theft?** **Identity theft is a crime of impersonation of the real identity of a natural or legal person that consists of illegally obtaining key information in order to impersonate** another person without that person's consent. This confidential information usually consists largely of **access credentials such as username and password**. Despite attempts by many companies to establish **MFA (Multi-Factor Authentication) models based on** [**SCA (Strong Customer Authentication)**](https://www.tecalis.com/blog/sca-strong-customer-authentication) such as sending OTP (One-Time Password) passwords to cell phones or emails, hackers and other criminals manage to circumvent these controls using techniques such as [**SIM Swapping**](https://www.tecalis.com/blog/sim-swapping). The purpose of identity theft is generally to **carry out financial transactions from the victims' bank accounts to their own**, although on other occasions **online purchases** are made, **health information is accessed** or even **loans or credit cards are applied** for in the name of the victim, leaving them in debt for money they never enjoyed. ## **How identity theft is carried out** Attackers use a **variety of methods to obtain the information** with which users access their **products, services and platforms**. From **phishing** to other techniques on second-hand portals to **obtaining information from their victims' profiles on social networks**, the methods for obtaining a panel of different useful information to generate access are very disparate. There are different types of identity theft that are categorized according to the objective: theft to carry out a **financial attack**, those aimed at carrying out criminal activities by hiding the real identity of the offender and exchanging it for that of the **identity theft victim**, the theft of medical information or those relating to **children's identities**. Gone are the methods of stealing wallets, purses or breaking into homes to **obtain the victim's identity documents**. I am sure that at some point you have taken a photograph of your identity document. Well, that's where these fraudsters find the loopholes to gradually collect the various proofs to impersonate other people. Although they continue to occur, the focus is now on identity theft on the Internet, which is growing year after year and can be avoided by companies, businesses and organizations that allow their customers to operate remotely if they establish the appropriate identity controls in their **acquisition, authentication and electronic signature processes**. ## **The Cost of Inadequate Cybersecurity** **According to the Ponemon Institute, a single data breach cost a business $3.86 million in 2020. Today, that cost has risen to $4.2 million. That cost doesn’t include the loss of goodwill and customer trust victims of cybercrime suffer. Bear in mind that common business insurance policies don’t cover the cost of data breaches. You’ll need a specialized cybersecurity insurance policy if you want that kind of protection.** ## **How Much Should You Spend on Cybersecurity?** According to a [**study performed by Deloitte**](https://www2.deloitte.com/content/dam/Deloitte/pt/Documents/risk/Cybersecurity.pdf), one of the world’s largest risk analysis and advisory firms, **businesses spent about 10.9% of their IT budgets on cybersecurity in 2020**—up from 10.1% in 2019. But that figure only represents about 0.48% of their annual revenue. Compare what they spend on marketing.  Deloitte reports that the average business spends over 11% of its total revenue on marketing. Some industries, including retail and health care, are even bigger spenders. Sound lopsided to you? We agree. You can send out emails and tweets every day, but **that won’t win you back all of the customer confidence you lose when you’ve suffered a data breach**. ## **Building Trust Through Robust Security**  Trust building begins at the very start of the customer journey, well before customers even consider making a purchase. **The** [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **process is giving answers to what kind of issues and more.** And that’s where your cybersecurity measures should begin, too. Trust and cybersecurity go **[hand in hand](https://deloitte.wsj.com/articles/want-to-build-trust-revisit-security-01616180529)**. The more transparent you are around your cybersecurity efforts, the more likely you are to gain customers’ confidence.   In other words, don’t just _do_ cybersecurity. _Talk_ about it_._ It’s important to reassure customers from the outset that you take protecting their privacy seriously.  Establishing strong **KYC (Know Your Customer) systems based on fully compliant technology to prevent any attempt of identity theft is not only an option but a legal obligation in virtually all markets and regions**. Your website should prominently include information about how your company manages sensitive data. Posting your privacy policy is a must. But you should go at least one step further. Highlighting your cybersecurity measures in detail is not only a sign of customer respect, it can be a competitive advantage.  Some companies view cybersecurity as a necessary evil—an expense only, that doesn’t contribute to revenue or growth. But the opposite is true. Cybersecurity should be part of your customer acquisition and retention strategies. ## **Cybersecurity at Every Point of the Customer Journey** Winning customers is a complicated endeavor. You can invest in search engine optimization to bring them to your website. But if you don’t provide an exceptional digital experience, you can lose them at any time. That’s why you need a comprehensive plan to keep potential customers on the path to purchase, manage risk in your business, and maintain compliance with government and industry regulations.  A robust cybersecurity system touches every mile of the customer journey, from initial registration and identity verification to payment to the ongoing communications that nurture your customer relationships. Customer [**expectations are changing**](https://www.salesforce.com/resources/articles/customer-expectations/) all the time and increasingly, trusting the companies they do business with is a top priority. Unfortunately, many business executives believe they earn a higher level of trust than they actually do. A [**2022 study by PWC**](https://www.pwc.com/us/en/services/consulting/library/consumer-intelligence-series/trust-new-business-currency.html) revealed that “**Almost nine in 10 (87%) business executives think consumers have a high level of trust in their business. But only 30% of consumers say they do.**” Closing that gap should be of paramount concern to business leaders. Businesses of every size and kind need fully integrated solutions for managing security and building customer trust. Systems that include these top features and are customizable to your company’s needs offer the best protection: * **Identity verification** * **Electronic signature** * **RPA Automation** * **Authentication**  * **Certified Communication**  * **Anti-Fraud Controls** Many companies do not have the native expertise, employee bandwidth or budget to build their own systems. However, **RegTech trusted service and systems providers** address these issues by offering innovative and comprehensive solutions to businesses around the world.  Deploying scalable solutions has helped businesses shore up two of their most valuable assets: **a smooth, seamless digital experience and increased customer confidence through impassable security controls**. --- ## LegalTech: Legal Services for a More Capable Lawyer **URL:** https://www.tecalis.com/blog/legal-tech-technology-legaltech-what-is-law-attorneys-business-compliance-lawyer **Descripción:** LegalTech has burst into the practice of legal services, business and law in recent years with great solvency and innovative technology. **Legal Tech has burst into the practice of legal services in the last 3 years**. Specifically, as a result of the social situation in which **remote management** was an imperative need and without the possibility of going in person to an office, office or court, **technology applied to law has played a decisive role**. The term has been shaped by the emergence of **startups dedicated to the development of computer applications and technological solutions as** well as law firms that have been demanding certain use cases to cope with the current situation and provide a better service to their customers. Legal professionals have found not only a solution to their most pressing problems in certain circumstances but also an **ally to be more productive and be able to handle more cases without additional stress or high costs**. ## **What is Legal Tech?** It is difficult to find a single definition for the term, but we can make a summary to conclude that **Legal Tech is the use of the most innovative technological developments to design adapted and useful solutions for the area of legal services**, regulatory compliance and law in general. It is a concept born from the union of the words "Technology" and "Legal". The history of this area begins in the 70s with the first devices for telematic consultation of jurisprudence. However, it **has not begun to consolidate until well into the second decade of the 21st century**. Its impact can be seen in different types of organizations, depending on the professional in the sector or according to the use case it is solving. In this way, we can say that broadly speaking, there are several levels at which LegalTech is impacting: * **Support on documentation:** In this aspect, Legal Tech is understood as a support for **storing legal information and documentation, as well as the applications that allow consultation, modification or management**. * **Process in the legal activity:** This concept brings together all the day-to-day use cases **in the sector** that currently have room for **improvement and optimization**. **For example, sending** a certified communication telematically with the same legal backing and security as if it were delivered by hand. * **In its relation to the legal professional:** Somewhat diffuse and in relation to the previous point, it deals with the **operations and tasks of the professional of the area so that these are easier to carry out**. It is not so much solving a problem or providing a solution to an issue that could not be developed, but the reinvention of an already standardized process. An example would be software that automates administrative tasks and you would say of the lawyer. Other authors have categorized the modalities of LegalTech from a different perspective, dividing this concept into more specific and detailed sub-areas that also include the types of business that have arisen thanks to the expansion of the area: ### **Ecosystem** Over time, and as we have been commenting, in recent years, a **Legal Tech ecosystem** has been configured **where each type of business or institution has taken a specific place giving specific and specialized answers to certain aspects** within the legal services and the practice of law. In this way, we can divide legal technology into the following seven main areas: * **Marketplaces: As** in other sister areas such as [**FinTech**](https://www.tecalis.com/blog/fintech-financial-technology) or [**InsurTech**](https://www.tecalis.com/blog/insurtech-insuretech-what-is-ecosystem), marketplaces connect lawyers and law firms with clients. Some work **as product comparators and others as a way to manage disputes 100% online**. This is the most recognizable category and where we find the greatest variety of proposals. * **LPO (Legal Process Outsourcing):** While these outsourced legal or compliance departments were a reality long before the birth of LegalTech, a new outsourcing proposition has now been configured around technology-based legal services solutions. In some cases, they can function in a similar way to marketplaces for SMEs or freelancers, and for larger companies, the best law firms with the best global reputations are developing their functions on a completely digital basis, with all the benefits that this entails. * **Document management and automation of use cases related to documentation**: This has undoubtedly been the fastest growing area by far in LegalTech. [**Electronic signature**](https://www.tecalis.com/products/electronic-signature) **and** [**certified communication**](https://www.tecalis.com/products/certified-communication) solutions have avoided unnecessary travel in millions of processes worldwide, **saving time and costs** for law firms so that they can devote it to the resolution, planning, analysis and management of cases. On the other hand, [**identity verification technologies**](https://www.tecalis.com/products/identity-verification) have made it possible to **close transactions of a great legal nature from continents away** with the greatest possible legal support and completely remotely. * **eDiscovery applications and document analysis:** In many litigations, the discovery of sensitive information or data stored on digital media is crucial. So much so that it can sometimes move the balance to one side or the other. These crawlers designed to work in complex conditions and focused on the nature of the case are increasingly used. * **Connection with third-party systems and automation:** [**RPA (Robot Process Automation)**](https://www.tecalis.com/products/rpa-automation) has come to companies in the sector to connect with the systems of public administration, the judiciary or other companies. As well as to streamline the tasks of legal professionals in their day-to-day with total ease.  * **Case prediction and analytics under data**: Using technology similar to e-discovery applications, case prediction technologies analyze massive libraries of settled or filed litigation to develop predictions about an ongoing one. * **Online learning platforms for training in the sector:** Although this category could fall into what we know as [**EdTech**](https://www.tecalis.com/blog/edtech-educational-technology-edutech-education-startups), eLearning companies specializing solely in the legal industry have been born. We are not talking about training platforms that offer distance learning, but entirely digital businesses. On the other hand, **large publishing companies, information centers and directories that are starting to make use of AI and Big Data to offer innovative services** can also be included here. * **Digital platforms for legal advice:** There are businesses both from the perspective of **communication channels between legal advisors and clients** and those that work in an **automated way only with the intervention of a non-virtual advisor in case the client does not find the answer he/she is looking for** with the digital system. There are many types, from those made available to citizens by governments, consumer associations and trade unions to those aimed specifically at the self-employed or SMEs. In this way, LegalTech has developed **software and online services in different formats** to completely transform the way in which legal services are offered. The usual modalities have been affected by the current social and economic context and have **met the needs of today's clients, more demanding and with the need to operate online**. On the other hand, the **acceleration of procedures** is necessary both for **public administration and the proper functioning of justice** \- something that has been boosted by the adoption and consolidation of [**GovTech**](https://www.tecalis.com/blog/govtech-governments-public-administration-technology-startups) \- and for **law firms that offer services to both companies and individuals**. ## **Legal Tech companies, context and market** A priori, one might think that LegalTech is only the application of a digital solution to an industry use case. However, we have seen how this is not the case. This area has been made up of a series of **companies, service and technology provider companies and clients** that act as parts of a whole. In this sense, we can highlight the emergence of **innovative startups that have anticipated the needs of the sector**, proposing innovations and being pioneers. This is so given their technological base. That is, companies that had no relationship with the legal sector began to shape their technology to apply it to it.  However, there have also been two other cases: large companies and reputable firms in the sector that have either developed solutions internally (with more or less success) or have turned to specialized technology consultancies to develop the technologies they needed. This second version has led to costly, time-consuming projects that have led in some cases to inefficiencies and expense problems. Therefore, **pure LegalTech is based on the SaaS and PaaS format**. These are **pay-per-use** digital platforms and services in which law firms and professionals in the sector do not "mortgage" themselves by commissioning a digital studio to develop a solution for them. Based on the concept of **scalability**, we can now see proposals in which law firms and other legal services companies make use of the best technology from the outset, paying only for each transaction performed. ## **LegalTech and RegTech: differences and similarities** [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) and LegalTech share both technology and professional backgrounds. Both areas are led by legal professionals but have different objectives. While **Legal Tech** solutions **support lawyers and legal teams in litigation, cases, court operations and related activities**, **RegTech ensures that the activity of a company**, organization or institution - the **core** business of its operation - is [**risk-free**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects) **and its processes comply with applicable industry and market regulations**. The latter is achieved through the [**automation of critical processes**](https://www.tecalis.com/blog/process-autoamtion-types-rpa-bpm-what-is-how) where regulations set specific standards to be met to carry out an operation. In this way, compliance teams have to supervise **without fear of sanctions or of illegal activities being committed through the products and services offered by the company.** Other terms related to the area are [**due diligence**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) **and** [**Know Your Business (KYB)**](https://www.tecalis.com/blog/kyb-know-your-business). These procedures are well known by legal managers in many companies and **use Legal Tech's own technologies** to be more agile, reliable and in some cases even fully automated. ## **Today's key legal technologies** When we talk about LegalTech there is only one-star technology that always comes to mind: the [**electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature). This method of signing documents and confirming identity has made it possible to build the foundation on which any digitized law firm must operate. **From document management and custody under the most demanding technical, legal and security standards, to the evolution of a negotiation process from start to finish can be carried out entirely remotely and digitized. Nowadays, we can say without getting our fingers caught that a legal professional or law firm is not competitive and effective if it does not have a tool of this type.** ### **Digital identity in legal services** Operating completely remotely does not make dealing with the client any colder or more distant. **The phone call or video call can still take place even if the signing of the documentation, the granting of powers of attorney or any other management is done online**. This is something that clients not only appreciate but are already demanding and makes them make the decision to have one legal advisor or another. With this in mind, LegalTech has developed not only electronic signature systems but **complete digital identification and remote** [**identity verification**](https://www.tecalis.com/blog/identity-verification) **platforms for a full backup.**  As we all know, identification and authentication in accordance with the standards set by both national and supranational laws (International, EU...) is decisive, as well as **gathering all possible evidence for litigation**. Therefore, the future of LegalTech is only possible if the solutions offered are framed within the best digital identity technologies. --- ## Carsharing: How are platforms and apps growing? **URL:** https://www.tecalis.com/blog/what-is-car-sharing-platforms-apps-webs-companies-cars-clubs-bike-motoshating-rental-carshare **Descripción:** Carsharing, motorcycle sharing, scooters, or bicycles. The best platforms and websites lead to customer acquisition rankings and business growth. Carsharing has been making headlines for some time in recent years, and not for nothing. This **mode of transport and a new way of understanding both urban and interregional mobility** is here to stay and redefine the meaning we give to travel today. It is not only that a **new product** has been created **within the industry**, but we can even talk about a completely new model aimed at the **demands and needs of the new generations**, which have a way of moving, in many occasions, totally different to how the past generations used to do it. Today, **almost 60% of the world's population lives in cities** and it is expected that by 2050 this figure will have risen to almost 80%. **Urban development** and the ways in which we understand cities and how we will do so in the near future are totally **conditioned by the concept of** [**mobility**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing). This being the case, in this article, we will unpack the keys to carsharing and see **what tools and technologies have been developed to help boost a necessary area for mobility**. ## **What is carsharing** In order to approach the concept, it must first be understood that it initially refers to a **specific sub-area within mobility sharing**. Even so, the term that concerns us in this article is the most famous of all. Also referred to as "**temporary use of vehicles**", the concept of carsharing is also intertwined with that of **carpooling**. There is still no consensus on whether or not **platforms that put travelers in contact with each other** to share, together, a vehicle on a trip and split fuel costs fall under the term. Although they share certain characteristics such as cost savings or the ability to avoid buying a car, they are quite distinct concepts. Therefore, we can say that carsharing is a **vehicle rental modality based on temporary use with generally short journeys**. This model relies on the **deployment of a number of vehicles in certain strategic areas of a city** or region so that users always have a **car available near them**. After [**registering**](https://www.tecalis.com/blog/customer-onboarding-what-is) on a **mobile platform, website or app**, they can immediately start using the vehicle and then **leave it parked within the perimeter defined by the company**. Generally, it is possible to travel outside the perimeter, but the trip will be considered completed when the traveler has parked within the enabled zone or zones. ## **How car sharing works** It is a **pay-per-use** model **in which the time the user has traveled is counted**. In a standardized way, there is a **price per minute**, although many platforms offer **packs** of minutes with discounts or even monthly or annual **subscriptions.** Unlike **renting**, **you are not renting a specific vehicle, but a service**. That is, you will probably use a different car each time you use it. Many platforms, for example, make use only of electric vehicles, taking advantage of the night or times of low demand to recharge the batteries of **cars, motorcycles or scooters**. These services sometimes include **insurance in addition to the mandatory insurance and fuel**. As we said, **carsharing** refers specifically to the service on **cars**. For other types of vehicles we speak of **moto sharing (for motorcycles) and other denominations for electric scooters or bicycles**. Mobility sharing companies and platforms **offer one, several or different means of transport for the same type of service**, with different or the same pricing. This depends on each platform. In recent months we have also seen the emergence of **applications that act as aggregators and unify different providers under a single platform**. These partnerships and alliances are consolidating a model that has already transformed the way in which citizens move around large cities and that, little by little, is spreading to medium-sized municipalities, especially those surrounding the metropolitan area of regional capitals. ### **The technology behind industry leaders** **Carsharing users demand immediacy and agility**. Most of them need a means of transport to make a spontaneous trip, so they **will not spend more than 5 minutes to complete the necessary steps to be registered** on a platform. In fact, the **registration of users in this sector is produced by a chance encounter with one of the vehicles on the platform**, awakening the desire to make a trip by finding a solution to the need they were presenting. Most platforms choose to **place QR codes on vehicles that users scan to download the app to register and start using the service**. So far the experience seems to be going smoothly, however there is a key process that not all platforms are solving in the same way: [**onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees). In order for users to access the platform's services, they must **duly register their identity and verify their data through** a process known as [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer). In this process, verification of their identity documentation and **driving license** is required. Industry leaders are using SaaS identity and documentation verification platforms with [**comprehensive anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) **that avoid any risk for both the company and the users**.  These **controls must be performed in the background and immediately**, without making the user wait and without disrupting the user experience. Establishing a **proper onboarding flow supported by powerful OCR technology** that pre-populates data fields so that the user does not waste time doing so is **critical to achieving conversion**. Low success rates at some providers are due to inefficiencies in this process, with users giving up after too many attempts to obtain images of their driving licenses or finding the process slow. ## **The best carsharing platforms and apps** For legal support and to offer complementary services or other modalities such as subscriptions or additional insurance, **the best carsharing platforms are using a** reliable and adapted [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **solution** that is integrated with the onboarding identity verification solution. This will make it possible to achieve **traceability of the user's actions**, which will be recorded by a **trusted third party (trust services provider)**. Having this support is crucial for any carsharing platform or app, as it is one of the most important points of risk in the sector. From the **confirmation of parking in the perimeters**, the correct location of the motorcycles in their delimited areas or even the **responsibility for the use of helmets**, having identification and trust solutions is already a **standard in the sector that cannot be dispensed with to achieve business sustainability**. Now, **it will not only be the user's word against that of the platform**, but there is a third party that through interactions on the platform and its sealing with electronic signature is able to **leave complete electronic evidence of the user's entire journey**, with viable proof and total legality. ## **Motosharing, scooters, renting, car sharing and other concepts** All this **expertise of the leaders of** this modality to understand mobility applies not only to those who offer temporary car rental in carsharing, but **also to the entire mobility sector**. Likewise, these technologies used by the best carsharing platforms serve to ensure acceptance and compliance with the conditions and rules of use in order to use the nearest means of transport available. Some car fleets also have **NFC** proximity **readers** that recognize a card via RFID. However, the best solution, and the most agile for the user, is to offer NFC technology through their mobile devices if they have this functionality, **QR reading** or verification through the introduction of a one-time code (**OTP**) or license plate. In terms of trends in the sector, we can see how fleets are increasingly becoming plug-in hybrids or directly electric. This is also due to the fact that many cities have banned certain fossil fuel vehicles from entering urban centers. The use of GPS services with reliability, as well as extended tariffs or **insurtech offerings in addition** to basic insurance are also shaping the future of the carshare area. Beyond onboarding, we have the case of subsequent authentication once the user is going to make trips after the first one. **Who tells us that the person who is going to book the car is the one who will actually be driving it? Using** [**facial biometrics**](https://www.tecalis.com/blog/face-recognition) **through the platform's app just before starting the trip is a solution that is starting to be implemented**. The best onboarding and KYC solutions for car sharing integrate this solution easily since they created the facial biometric pattern during the onboarding process itself, authenticating the user in the app afterwards through this method with total security and simplicity.  As we said, one of the keys to the growth of ridesharing platforms, car sharing and others, is to ensure a **seamless experience without waiting**. Vehicle lending around the world is growing thanks to new ways of integrating users into the platforms and recognizing their needs in terms of user experience. As far as regulation is concerned, Europe is a safe market in which to offer this type of services thanks to the guarantees of digital and online use that eIDAS provides and facilitates the activity of these companies. --- ## What is car rental and how are the platforms growing? **URL:** https://www.tecalis.com/blog/car-rental-cars-what-is-vehicles-platforms-companies-individuals-leasing-2023-functions-car-rental-subscription **Descripción:** Companies and platforms that offer car rental and leasing services use the latest technology to get more customers in less time compared to carsharing. There is **twice as** much talk **about vehicle car rental** today **as there was just 3 years ago**. It is a fact. This mobility model is replacing the purchase in big cities. While previously it seemed a term of exclusive use among company executives or commercial staff of a business, now **more and more ordinary users are considering taking the step and betting on this model**. So much so, that the term " for individuals" is the most searched term on the internet today, surpassing "car rental" alone. This shows that it is necessary to add this nickname to know that we are referring to a **service offered in B2C format by the** marked B2B character that is traditionally presented. The proposals aimed at the general public have been increasing as the interest of users has grown and the changes in relation to the saving and debt capacity of individuals have been consolidated. Such has been the growth that in countries such as Spain, for example, it has evolved to **represent 26% of new annual registrations**. In a market with **more and more players trying to acquire as many new users as possible** and finding disruptive marketing and acquisition strategies with a focus on accelerated growth, **car rental and leasing platforms and businesses must find their place with the best solutions** to lead this new stage in today's [**mobility**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing) and transportation models. ## **What is car rental?** Car rental is a **model for renting cars and vehicles of all types on a medium or long-term basis**. It is, in a way, a **financial service of car rental movable property** that is generally associated with vehicles. Generally, it involves **periodic payments** \- usually monthly - that activate the service of this **car rental between companies and other businesses or from a platform to individuals**. In this way, we can also define car rental as a **contract between parties where a series of conditions and obligations must be fulfilled**. This leads to models of car rental contracts with **different profiles of risk level and service guarantees** \- something that is already seen in the rental of housing or commercial premises. Although more and more the offer is reinventing itself with new types of contracts - especially with regard to car rental for individuals - the norm was for durations of more than one year. Although, as we mentioned, the term is quickly associated with car rental, car rental can also be formalized on computers, mobiles and other types of devices. The providers of this type of service can range from **fully specialized platforms** to **financial institutions, banks, investment groups or FinTechs**, as well as **dealers or even insurance companies that wish to diversify their** product and service **offerings.** These services include extras such as maintenance of the rented vehicle, insurance or sometimes even fuel. ## **Rental or leasing? Differences and similarities** This is a question that many users ask themselves. Both car rental and leasing share practically the same advantages and characteristics although they differ in one key element: the **acquisition of the right to purchase**. Leasing - also known as financial leasing - is basically the same as a car rental contract but with **additional clauses and conditions that allow you to exercise the right to purchase the leased asset according to stipulated terms**. In many cases, the model is based on the fact that the customer can use the car while it is in the financing process. That is, the **main objective is the purchase**, but not having sufficient funds to make it, **it is decided not to have the vehicle in property**. This makes it possible to buy it later at a lower price than the market price. ## **Car rental: individuals and companies** As we have been advancing, the most popular movable goods for car rental are cars and there has been an increase in demand from ordinary consumers. In order to establish a contract, car rental platforms ask for **information about monthly income or a copy of the last paycheck to perform an economic risk analysis of the potential customer**. Lessors need to **ensure that the lessee will be able to meet the costs of the service for the duration of the service**. This will ensure the sustainability of the business and the ability to assume certain risks in the event of non-payment. With the expansion of car rental for individuals, a concept from the financial area has emerged in the industry: [**Know Your Customer (KYC)**](https://www.tecalis.com/es/blog/kyc-know-your-customer). **Verifying identity and performing** [**AML (Anti Money Laundering)**](https://www.tecalis.com/es/blog/aml-anti-money-laundering) **checks on new users before signing the contract is** crucial for any platform. ### **Electronic signature and KYC, agility and security** Knowing this, and understanding that the demands and needs of new consumers are different, startups have emerged that have designed **holistic platforms as a solution to the** [**onboarding process of new customers**](https://www.tecalis.com/blog/customer-onboarding-what-is). These solutions have brought together the already well-known **Electronic Signature, the KYC process of digital identification and registration, anti-fraud controls and automation systems** that make this process totally agile, instantaneous and simple for both the companies that offer car rental services and for those who are demanding them. [**Electronic signature**](https://www.tecalis.com/products/electronic-signature) is an established standard, and any business in the industry that does not have a **reliable and functional eSignature tool** is exposed to the inefficiencies and cost overruns of conducting the procurement process in an antiquated manner. Beyond this, industry trends are moving towards personalization and online contracting, which makes it essential to implement these tools, not only in operational terms and focused on growth, but also because of regulations that require acquiring new users under these security standards and controls. **The legal and compliance departments of the leading renting and leasing companies are already making use of the best** [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) **tools** to obtain zero risk and optimize costs and processes, with the **extra impact on marketing and sales teams**. ## **What makes car rental grow? 2023 bet of the industry leaders** The industry is betting on **innovation** and, taking into account the current environment, on **experimentation**. It is at this time that the future of car rental as we know it is being defined. The **B2C** perspective that many innovative startups are embracing has left behind some historical leaders who see how they have failed to **take advantage of the pull of the new conception of mobility**. Used car rental looks set to take off in 2023. Cycles are becoming shorter and stability with large customers seems to be a thing of the past. In an increasingly larger market with a wider and more diverse offer, it is necessary to be attentive to adapt to the reality of current circumstances. More than a quarter of registrations are due to car rental, but we are seeing [**car sharing platforms**](https://www.tecalis.com/blog/what-is-car-sharing-platforms-apps-webs-companies-cars-clubs-bike-motoshating-rental-carshare) **grow at a dizzying pace**. This means that users are looking for immediacy and personalized services, which is closely linked to the purchase process. An **online** **search will be key, so investing in techniques to maximize conversion will define the growth prospects of many platforms.** Thus, car rental seems to be a solution and it may overtake car rental for those customers who did not make the purchase in the end. The search for "**all-inclusive**" and absolutely flexible models is in the consumer's mind and they will end up **hiring online on those platforms that offer an agile, simple and secure process**. Such is the growth that in a very short time it could even account for 50% of the entire renting market. Returning to carsharing, in the immediate future, we will see how the car rental offer will overlap with this on-demand mobility model with **subscriptions**, something that both types of companies are already offering. --- ## 2025 KYC will be different. Banking and other industries **URL:** https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification **Descripción:** KYC and Know Your Customer today is much more different than we might think. It is applied in banking as well as in other sectors. The **KYC** process **has evolved over** time as **user needs and demands have changed**. Likewise, **changes in regulations** that standardize its use have caused many Know Your Customer system providers to mold the process to find the perfect flow of steps and usability. Today's **KYC is totally different from the initial process of** taking a simple photograph of identity documents and producing a very simple AML card with limited information. Now, the best systems are able to understand user behavior and redirect them to different steps to achieve almost absolute conversion rates. We will look at how KYC works in this **new generation of** [**digital onboarding systems**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) and the benefits it has proven to deliver. On the other hand, we will also analyze the regulatory framework and how its changes have affected other industries beyond banking, FinTech or insurance. ## **What is KYC?** KYC is a process by which **companies identify their customers with very specific technical and security standards**. Know Your Customer confirms that the customer is who he/she says he/she is in order to **establish a commercial or contractual relationship with guarantees and officialdom**. [**We have already analyzed KYC in depth**](https://www.tecalis.com/blog/kyc-know-your-customer), **its operation, types and each of the phases and steps of its flow of operations.** Now, let's see what is currently understood by Know Your Customer: something much closer to the concept of registration and onboarding than to the legal requirements to open an online bank account. It is no longer only financial institutions that are setting up these processes for the sole purpose of complying with the law. In Spain, for example, the 10/2020 standard that adapted the regulation of this European country to the AML 5 standard on money laundering. Now, the KYC process can benefit from the new features of [**AML6**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) to be more flexible. **In 2024, AML6 is emerging as one of the standards to be updated.** While we cannot yet speak of AML7, some initiatives are already being outlined by regulators to extend certain aspects of AML 6. KYC service providers will need to be on their toes in 2024 to stay ahead of potential regulatory changes. **This practice has spread across all industries in order to operate remotely and fight online fraud.** Whether it is because users demand to be able to operate from anywhere and at any time via the Internet or because of legal imperatives, this method of identity verification brings together the best practices that companies can perform to incorporate new users as customers in their databases. ## **KYC today: 2024 will be decisive** What will KYC systems be counting on in 2024? **More and better technology**. Know Your Customer today must be **focused on conversion**. During all these years of implementing Know Your Customer models we have seen how many companies deal with problems in terms of **funding the process**. This is due not only to bad practices in terms of **user experience and interfaces (UX/UI)** but also because the technology on which the process relies is not sufficiently **solvent, agile and flexible**. 2024 will be the year in which we will see the major development of the already advanced **eIDAS 2** (2nd electronic IDentification, Authentication and trust Services regulation) and **PSD3** (Third Payment Services Directive). In both, the KYC standard is included for certain cases. While **PSD3 focuses on electronic transactions and payments, facilitating an open banking model** (which has already been joined by eKYC systems such as **Tecalis for bank scraping in the face of autoamted risk scores in onboarding**), **eIDAS2 will propose a homogeneous digital identity based on the new Wallet formats**. Thus, Know Your Customer service providers will have to adapt their solutions to take advantage of the possibilities of interconnection in the financial system as well as to accept the possible new official identities provided by governments for onboarding in any remote customer registration process. ### **The challenge of KYC documents** KYC **anti-fraud measures** must be **imperceptible to the user** and performed in a back-end process instantaneously. These AML controls to prevent money laundering and terrorist financing are at the heart of the process for the company but should not be for the user. The best technologies do not keep the user waiting and have **powerful OCR systems that extract all data with no room for error**.  This, which might seem quite obvious, is not a constant in the banking sector today, where you can see complaints from certain customers about problems with the reading of data or friction during the process. Despite this, there are RegTech partners that do have strong and robust technologies capable of performing to perfection. One of today's most prominent innovations is the **automatic recognition of KYC documents**. In other words, technologies capable of identifying everything from **national identity documents, driving licenses or passports to credit, loyalty or health cards, invoices, contracts or commercial registry documents.** This identification must be done without the user having to previously select the document to be identified: the system must be able to identify it automatically and then apply all the relevant eIDAS and AML checks and controls to verify the integrity, veracity and legitimacy of the document presented, validating its information and comparing it with public and private databases if necessary. Beyond OCR, dozens of Know Your Customer checks must be inserted on the identity document and on the video for facial identity verification. This will give us a **much more complete KYC record** and more exhaustive electronic proof so that the process has more legal backing. ### **Flexibility and automation** On the other hand, there is a very important aspect that is already being implemented and that we will see more and more: **intelligent KYC flows**. Depending on the **characteristics of the device** where the user is performing the process and taking into account **retry policies** defined according to their actions, operations can intelligently **offer different alternatives** so that we always get the conversion. We are no longer talking about **preconfigurable workflows**, but rather about the system having **dozens of possible routes to offer the user in** advance, depending **on how he/she interacts with the process**.  In terms of the flexibility of Know Your Customer systems, we will see how the hyper-customization of options will begin to reach onboarding systems. Currently, many processes are too exhaustive when it is not necessary for fear of penalties or risks, while others are too lax to avoid friction and maximize conversion. This **hyper-segmentation** perspective **will allow KYC to adapt to each specific use case in order to be as optimized as possible by** finding the perfect point where **neither security nor expertise or agility are compromised**. Automation must be present in the event of abandonment in the middle of the process - no longer due to friction in the process but for external reasons such as the user being interrupted by a third party or having to leave. In these cases, it is necessary to have reminder systems so that the user can continue where he left off and in a cross-device way (on any other device, even different from where he started). ## **Know Your Customer banking: far beyond** PSD2 has changed the way banking and FinTech customers interact with their **management platforms**. **Multi-factor authentication** under **SCA** standards must now be rigorously enforced. Something that many are missing is the use of the **facial pattern obtained in the initial KYC to generate biometric credentials for login or access**. Knowing that facial recognition is the preferred method for authentication by users today, we will see how these systems will begin to be present at the start of the apps or websites of the main players in the sector. Similarly, [**voice biometrics**](https://www.tecalis.com/blog/voice-biometrics-verification-digital-what-is-active-passive-types) will take off in the near future as a complement to the KYC process. This technology is especially useful in use cases through telephone contact. ### **Contracting or negotiation processes with integrated KYC** Just as KYC has jumped from the financial sector to other industries, [**e-signatures**](https://www.tecalis.com/products/electronic-signature) **have been adopted by BFSIs** (Banking, Financial Services and Insurance) in the onboarding process. These contract signing platforms allow closing clients in seconds and guaranteeing the process. However, most insurers, banks or FinTechs have different providers for their **identity verification and document signing or notification** needs. The key in the coming year will be to unify the onboarding process so that KYC and the signing of contracts and documents are done under the same flow and on the same platform. Holistic solutions like Tecalis implement Know Your Customer together with e-signatures **on the same platform, linking the two processes**. This manages not only to unify the experience, reduce costs and time, obtain greater evidence or boost contracting rates, but also to achieve superior legal support. ## **Digital onboarding for all** The advantages and benefits of KYC have made the banking and financial sector stand out for its good results. As a result, leaders in other industries far removed from the norms and standards of these areas of activity have become interested in a process that provides guarantees and security. A very illustrative example of how far we will see Know Your Customer go in 2024 is the **tourism** industry**.** The same **onboarding** tools used in the banking sector are helping hotels to [**offer online self-check-in services**](https://www.tecalis.com/use-cases/check-in-online-hotels-hospitality) to avoid customer waits at the front desk and reduce costs. While some trusted service providers display their branding during the screening process, this is a mistake. Customers tend to be suspicious when they see that they are contracting with an entity that includes third-party logos they are unfamiliar with. A trend that is becoming increasingly evident is to opt for customizable solutions that adapt their interface to the brand in which the user is operating. [**Renting**](https://www.tecalis.com/blog/car-rental-cars-what-is-vehicles-platforms-companies-individuals-leasing-2023-functions-car-rental-subscription) and [**carsharing**](https://www.tecalis.com/blog/what-is-car-sharing-platforms-apps-webs-companies-cars-clubs-bike-motoshating-rental-carshare) are other areas that are gaining the most advantages and benefits from KYC. These platforms have been able to scale their business and grow in countries where they did not yet have a presence by simply investing in new fleets there without the need to create new systems or adapt to the regulatory frameworks of the different markets. Finally, we see how one of the searches on the internet is about [**crypto exchanges without KYC**](https://www.tecalis.com/blog/cryptocurrencies-kyc-crypto-exchanges-cryptos-aml) declining. This is because regulators in most western countries are forcing trading platforms to comply with standards that set the most demanding onboarding processes. --- ## Why X-tech is the future. Which industries stand out? **URL:** https://www.tecalis.com/blog/x-tech-xtech-what-is-business-industries-sectors-fintech-ecosystem-companies **Descripción:** X-Tech has progressively arrived over several decades to completely transform entire industries and their businesses in favor of technological innovation. **X-Tech has arrived progressively over** several decades to **completely transform entire industries in favor of technological innovation**. Their birth and nature is the result of the **completion of digitization processes** and the adoption of **new digital-based technologies** by the leaders of certain sectors of activity. It is not just about digitalization and **process optimization** \- something we have already seen for almost 30 years - but about a **disruptive way of understanding business models**, adjusting to the **demands and needs of today's consumers** and solving them through market proposals in which technology is absolutely necessary. ## **What is X-Tech** X-Tech is a term used to refer to the **set of ecosystems of companies, market players and customers in a particular industry** that base their activity around **products and services that could not be provided without the implementation of the latest technologies**. In other words, it is a concept that brings together many others. **X-Tech emerged as a result of the consolidation of other** terms such as FinTech, WealthTech, InsurTech or EdTech. Once all industries had their **own innovation and digital transformation ecosystem**, we could start talking about XTech. To explain it in a more illustrative way the "X" in X-Tech replaces all sectors of activity. In the same way, X-Tech starts to make sense when **certain players** from, for example, the RegTech sector, start to **penetrate other industries** (Education, Tourism, Mobility...) **making use of the core of their base solutions** to offer their products and services in all areas. ### **X-Tech Ecosystem** In each of the XTech sub-branches we can find players that are not "**native X-Tech**", such as a traditional banking company that launches a trading platform within its own app. So, when we talk about X-Tech ecosystem we are referring only to those companies and **disruptive business models or technology service providers that support non-native ones**. This helps us differentiate the technology-based pioneers from those who are drinking from their solutions and evolving from a more traditional story. In X-Tech, therefore, **innovative startups** stand out**, which have developed proprietary technologies** that they adapt to the different branches of the various sectors of activity. One of the most characteristic examples is **RegTech, one of the XTech where we see that there are more players of this type**, unlike InsurTech, where, for example, it is common for insurance companies to turn to other X-Tech companies and for the latter to adapt their solutions to the usual operations of the insurance sector. ## **X-Tech companies, context and market** As we have been saying, the birth of the different X-Tech has been taking place over two decades. **We can count on some with 20 years of history versus others that are just breaking into the economy**, although there is one thing that is certain: there is a clear tendency for **the players that make up these ecosystems to lead the change and define the path of the sectors of activity.** Let's take a look at all the most relevant X-Tech, their key points and characteristics: ### **FinTech** We can say without a doubt that [**FinTech**](https://www.tecalis.com/blog/fintech-financial-technology) is the father of the rest of X-Tech. Whether it is because of the media exposure that the first financial startups had or because **the banking sector is one of the sectors that has bet the most on digital transformation**, FinTech was the first term to gain the most popularity. In this crucial area, we have seen how **disruptive financial products and services** have proliferated, both from digital natives and large banks. From **neobanks or wallet cards to crowdfunding or P2P through mobile banking**, we lack hands to count the different types of disruptive proposals in FinTech. This area has needed the so-called [**electronic Know Your Customer**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer) **process** and the [**best digital onboarding platforms**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) in order to operate and thrive. Financial operations remotely and through channels and devices of all kinds would not have been possible without the technology that has been supporting this area since its birth. ### **WealthTech** Sometimes defined as a sub-branch of FinTech, the [**WealthTech industry**](https://www.tecalis.com/blog/wealthtech-what-is-company-investment-management-wealth-technology-companies) is already an entity of its own with an ecosystem full of different players that have even been advertised on TV media with huge investments. **Trading platforms, crypto exchanges or robo-advisors have been democratized** reaching the general public when previously they seemed to be of exclusive use for brokers with decades of trading experience. Thanks to the most innovative **investment tools and marketplaces** as well as social trading applications or digital finance courses, the average user can invest their money autonomously in thousands of different options. Like FinTech, it is a **highly regulated area with its own rules in all markets and regions regarding** [**registration and user access**](https://www.tecalis.com/blog/customer-onboarding-what-is) to these types of platforms. However, the technology applied to this sector has meant that these **AML processes and other controls can be carried out in minutes, and clients can be incorporated and new accounts opened almost instantaneously**. ### **InsurTech** The **insurance sector** also has its own innovation and transformation system: [**InsurTech**](https://www.tecalis.com/blog/insurtech-insuretech-what-is-ecosystem). We could begin to see some innovation on the part of private health insurers in terms of a digital offer (**eHeath**). However, it was not until the emergence of small **insurance players with flexible, usage-based, hyper-personalized and data-driven offerings** that the area took off. [**Electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) solutions stand out among the technologies that have made possible the **online contracting of all types of insurance** and the acceptance of conditions or remote appraisals. This X-Tech technology is one of the most transversal and has affected both InsurTech and the rest of the ecosystem internally (for corporate use) and externally (commercial and sales). On the other hand, we see how [**anti-fraud control technologies**](https://www.tecalis.com/products/anti-fraud-controls) have solved problems such as [**Sim Swapping**](https://www.tecalis.com/blog/sim-swapping) in the telecommunications industry. ### **RegTech** This area was born with a clear premise to take to other sectors: to **make it possible for any company to operate in all markets and regions of the world without additional investment**. How do achieve this? **By making the processes automatically adapted to the regulations of each country**.  The holistic [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) platforms arose for **two reasons: the need for companies to adapt their processes in an agile and simple way to regulatory changes and to have security methods that** [**guarantee their operations against possible risks**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects)**.** However, RegTech has gone far beyond that, by infiltrating the entire customer lifecycle and impacting every stage of the business chain. This means that after having fulfilled the main objective of adapting a company to the regulatory framework, they have **also benefited from these technologies in terms of sales, growth and sustainability.** ### **LegalTech** [**LegalTech**](https://www.tecalis.com/blog/legal-tech-technology-legaltech-what-is-law-attorneys-business-compliance-lawyer) has transformed the way **legal services** are delivered and offered around the world. **Legal professionals** are in luck because they can now count on a series of **digital tools** that are allowing them to completely forget about administrative tasks and focus their efforts on the resolution of cases. As in InsurTech, electronic signatures and [**certified communication (eBurofax)**](https://www.tecalis.com/products/certified-communication) have been key technologies for its development and expansion. The healthcare situation experienced in 2020 forced **professionals to adapt offices, law firms and consulting firms to** be able to continue **operating remotely**. This is complicated in an area with such specific legal limitations and strict regulations. However, **the best technology has been able to achieve this through the use of robust applications and compliance with the most advanced standards**. In addition to this huge disruption in the private sector, LegalTech is beginning to impact the justice system thanks to GovTech's implementation of previously used core technology. ### **PropTech** The **real estate sector** has had online platforms for buying and selling homes for decades. However, this is not quite [**PropTech**](https://www.tecalis.com/blog/proptech-property-technology-which-is-real-estate-management-retech-sector-industry). We can start talking about this ecosystem when the ways of proceeding are reinvented.  Although we have had websites where we can post an ad for more than 20 years, it has been in recent years that we can say that **we are** really **able to formalize the sale and purchase of a property completely online**. Also, the birth of iBuyers or mortgage and insurance comparators have ended up shaping this ecosystem around real estate. ### **EdTech** Something similar to what happened in PropTech has taken place in the **area of education and training**. [**EdTech**](https://www.tecalis.com/blog/edtech-educational-technology-edutech-education-startups) was born in recent years as the second phase of online education. Virtual campuses and course platforms arrived decades ago to **democratize certain educational content and bring universities, educational institutions and training agencies closer to** those who, due to distance or other reasons, could not access them. Even so, there was still a challenge to solve: to **match face-to-face education in terms of guarantees and support**. Applications with **AI, ML and electronic signature** [**proctoring**](https://www.tecalis.com/blog/proctoring-online-exams-tests-evaluations-supervision) have meant that **online degrees or tests taken at remote testing centers are** now at the same level or higher than their face-to-face models. ### **GovTech** Much has been said about **participatory government, public administration 2.0 or digital citizenship**. Despite the fact that they could function as the germ of what we know today as [**GovTech**](https://www.tecalis.com/blog/govtech-governments-public-administration-technology-startups), these areas have sometimes become obsolete, with significant delays in their implementation or poor performance. **Governments and administrations at all levels (local, regional, national or international) are** currently implementing cutting-edge technology-based solutions in e.g. law enforcement agencies to fight online fraud or optimize their information request processes. The new X-Tech revolution in this area is doing things right and has proven to be able to create quality public services that are transparent and free of inefficiencies. ### **Mobility-Tech** [**Carsharing**](https://www.tecalis.com/blog/what-is-car-sharing-platforms-apps-webs-companies-cars-clubs-bike-motoshating-rental-carshare) has come to rethink the way we move around, especially in cities and urban centers close to provincial capitals. Along with **motosharing, carsharing and other platforms** focused on transportation, Mobility-Tech has developed its own totally disruptive ecosystem. **Digital insurance offerings for vehicles, lending and** [**renting**](https://www.tecalis.com/blog/car-rental-cars-what-is-vehicles-platforms-companies-individuals-leasing-2023-functions-car-rental-subscription) are also proving to be a big part of what we know today as Mobility-Tech with their focus on **flexibility** and segmentation. These platforms have also made use of **eSignature** tools to boost **contracting**. ### **The future of XTech** Will we see this list expanded in the future? Undoubtedly. Terms such as **FoodTech**, which has managed to equip the food sector in all its phases - **agriculture, production and distribution** \- to automate supermarkets, retail outlets or make life easier for farmers and ranchers with their suppliers, are already beginning to resonate. On the other hand, we see how in countries like Spain the **tourism industry** is beginning to embrace X-Tech solutions, something that is already being referred to as **TurTech**. One of the most prominent innovations is [**self-check-in**](https://www.tecalis.com/use-cases/check-in-online-hotels-hospitality). Also known as **Know Your Guest**, these technologies have improved the customer experience while saving significant costs and time on front desk management. In other areas such as **Industry 4.0, IoT** or construction, disruptive startups have continued to implement their tools to optimize processes and save costs. Likewise, similar to what is happening with PropTech, **EnergyTech** has reached electricity companies in a very similar way. And not only to these, but also to any business supplying goods to individuals ([**utilities**](https://www.tecalis.com/industries/utilities)). ## **X-Tech technologies most in demand** In conclusion, we can say that the basis of X-Tech lies in the application of a specific type of disruptive technologies - such as **RPA (Robot Process Automation)** \- to any industry, production area or sector of activity. And, moreover, this application takes place in both commercial and internal company processes. The overall goal and philosophy is always the same: to use the **latest software innovations** to create **scalable business** models that are more **productive** and capable of **designing proposals that were previously unfeasible or impossible to implement**. ### **Digital identity and trust services** In today's economy and the models of society that have been developing in recent years, **identity is the fundamental axis on which to work to design successful customer journeys.** Operating remotely and being able to offer services instantly is no longer a competitive advantage but a necessity that users demand. If this need is not met, companies are doomed to disappear, either because they will not be able to grow or because they will face sanctions from regulators who demand the establishment of identity controls in all company-user relationships. The **telecommunications sector**, for example, has always been clear that being able to offer new services would only be possible with technologies that help them properly identify their users. For this reason, it **is one of the industries that is currently most committed to establishing user, customer and employee** [**onboarding**](https://www.tecalis.com/blog/onboarding-what-is-employees-clients-companies-incorporation-induction-process) **processes** thanks to the best systems inherited from X-Tech. [**Know Your Business (KYB)**](https://www.tecalis.com/blog/kyb-know-your-business) is another X-Tech innovation that has revolutionized the way **of understanding B2B business proposals**. Thanks to this system, Business-to-Business business models have emerged that were previously unthinkable, being able to safely incorporate businesses such as partners, associates or customers in minutes. --- ## PSD2 Impact. Regulation for EU & UK Online Payments **URL:** https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca **Descripción:** PSD2 and SCA have reinvented payment services through the directive to bring security and regulation to customers and businesses in more agile gateways. PSD2 is the acronym for **Payment Services Directive 2**. This regulation has completely transformed the way online payments are carried out. What's more, it's very likely that when using your bank you've received a notice about this standard in the last year. **Both the most digital FinTech and eCommerce platforms** must adapt their payment methods to **comply with the provisions of this European directive**. Together with [**eIDAS (electronic IDentification, Authentication, and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) and [**AML6 (Sixth Anti-money Laundering Directive)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) PSD2 further advances the European Union's objective of creating a secure reference framework in which to operate with agility and guarantees in a market of more than 500 million potential consumers. Although many businesses may think that the approval of this type of standard is a brake on their activity, the reality is just the opposite: **this harmonization is resulting in astonishing ease for businesses to develop and deploy** in Europe in days without large investments thanks to a **secure online framework**. ## **What is PSD2** PSD2 is a **European directive on payment services over the Internet** and in online environments that applies in the member countries of the **European Union and in the United Kingdom**. It is the **second regulation** to be implemented in this sense since the previous one - **PSD** \- already defined a **series of rules for online payments to be made under secure and consolidated standards**. This second law advances what its predecessor already started, including the concept of [**Strong Authentication (SCA)**](https://www.tecalis.com/blog/sca-strong-customer-authentication). This concept is really important, as it is the main novelty of the new regulation. The first directive was launched in 2007 and the second one started the procedures for its approval and development in 2013, being a revision of its little sister. Rather than talking about changes, we can talk about **extensions**. The main new features include the new role of **TTPs (Third Party Payment Service Providers)**, the regulation of **payment initiation services (PIS)** and the definition of standards for **account information services (AIS).** With this, the financial and banking sector speak the same language throughout Europe and the UK to proceed with their operations, which **facilitates intermediation, the creation of new businesses and the ease of developing new verticals**. Now, sensitive customer information is collected and stored in a single form and in a single place, **allowing the emergence of financial aggregators. Similarly**, this standard **has led to the birth and expansion of the so-called wallet cards**. Now, a customer can make a payment to a third party from one bank's application to a different bank without the need for any complex obstacles. This is possible thanks to the PIS and the services provided by TTPs. **The way companies will comply with PSD2 is** mainly through **API integrations.** This model, **easily integrated thanks to the best** [**RPA (Robot Process Automation) solutions**](https://www.tecalis.com/products/rpa-automation), automates compliance with the PSD2 directive without blocking the IT and technology departments of companies or high costs. The main advantages of the standard include the expansion of security for companies, **eliminating AML risks beyond** what specific standards such as 6AMLD or AML5 were already providing, as well as the **possibility of unleashing innovation in terms of payment methods.** This will enable **FinTech and WealthTech** to **offer new types of products and services**. Likewise, having less risk will accelerate business growth and avoid the costs associated with these problems. Also, and for **eCommerce, establishing reliable payment gateways will increase your online sales given the increased user confidence in your platforms**. ## **PSD2 as a standard and directive** Many people wonder whether PSD2 is a directive or a regulation, and what it really means. This law is not optional, it is mandatory for all entities operating in European countries. Put this way, it might seem like something that generates friction for companies to adopt, however, **this transformation of certain processes brings more benefits and advantages than the cost of implementing these changes**.  A directive is not a recommendation, but a **reference framework for each member country to transpose those standards into their own legal framework**, developing a specific law or updating the one they already have about that subject and social and economic area. And yes, we can say that the terms PSD2 Directive and PSD2 Regulation are synonymous with each other. All countries have already done the same, so the objectives of the standard are already taking effect and are mandatory. ## **Dates for adapting to PSD2 in the EU and UK** Now! PSD2 came into force in January 2018. However, the EU and the UK gave **companies until 1 January 2021 to adapt to the regulation**. From this date, all companies that are not performing their activities according to the standards set by the second European payments directive will be exposed to serious sanctions by the authorities. The technical standards of the regulation were defined by the EBA - European Banking Authority - and can be freely consulted on their websites. On the other hand, the specifics **on access, login and SCA took place in mid-September 2019**, so companies have already had to adapt. ## **SCA: Strong Customer Authentication** PSD2's star new feature focuses on how users who have already passed a [**customer onboarding process**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **- known as Know Your Customer (KYC) in this industry** \- authenticate themselves to access their contracted products and services, their management dashboard and perform **transactions based on their customer personas**. However, we can say without a doubt that **the adoption of SCA standards has been unambitious**. While the vast majority of banks have put in place all the necessary controls to comply with this, all of them have provided temporary or "rudimentary" solutions that are not meeting the agility and user experience needs of today's users. It all comes down to one term: **Multi-Factor Authentication (MFA)**. This means that in order to be considered secure access to a client platform, access must be granted under security standards that **require at least two factors of authentication** (**2FA**). Furthermore, these factors must be absolutely secure and created under the strictest order. ### **The best way to apply PSD2 in business** In this sense, [**facial biometrics**](https://www.tecalis.com/blog/face-recognition) is revolutionizing the industry as it is one of the most convenient and common ways for users to access their mobile devices. The [**best customer onboarding solutions**](https://www.tecalis.com/blog/customer-onboarding-what-is) create a unique facial biometric pattern for the user when they first register and validate them during the purchase process. This should be **able to be used to generate one of the authentication factors within the SCA strategy required by PSD2**. **Now, banks are betting on one-time SMS tokens (OTPs), and PINs, and even many are still using coordinate cards**. This is a delay not only in terms of security but also for the user. **Authenticate for the signature of transactions with the same validity as a KYC of the highest level and seal it with electronic signature is the bet for the future to apply PSD2**. --- ## Digital signatures: What is the impact on business? **URL:** https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents **Descripción:** The digital signature is helping companies to close contracts for products and services in minutes and totally online thanks to eIDAS electronic standards. The digital signature has completely transformed the way of **closing contracts, accepting conditions or reaching agreements between businesses and individuals**. This has been possible thanks to the development of key technologies such as cryptography and the application of algorithms based on this type of digital solution. This term is commonly confused with an **electronic signature**. However, there are subtle **differences** between the two that you should be aware of, especially if you are a business that **closes contracts on a regular basis or works with communication systems that need legal backing.** ## **Online document signature** **Digital document signature solutions are** no longer an option. Businesses and organizations that still maintain handwritten and printed document systems waste **time and resources** in maintaining less secure spaces in which to store them. In addition, **privacy and data processing regulations** force companies to adapt to this digital standard, which, on the one hand, automates compliance with these regulations and, on the other hand, allows companies to have quick access with instant consultation systems. Relying on a digitized documentation storage model is not only an internal advantage, but also a **necessity to be competitive in the market**. Opting for digital signature systems makes it possible to **close product and service contracts remotely with** the same validity as in person, something that is essential for any company in the 21st century given the demands of today's consumer. ## **What is digital signature** A **digital signature** is a **technological** application **that verifies the validity of a message or content in digital format**. This content is usually an electronic document: **labor contract, commercial contract for the provision of services or purchase of products, agreement,** acceptance of conditions ... any type imaginable in both B2B and B2C. It can also be other types of messages, and images or include any digitized file regardless of the extension. Thus, we can say that the digital signature consists of the use of **tools based on mathematics and encryption capable of creating keys** to ensure that **the issuer of this content is a real and identifiable person**. It is the part of the [**electronic signature**](https://www.tecalis.com/products/electronic-signature) that **guarantees the capacity of non-repudiation in the emission of messages** and that this one **has not suffered modifications after its sending or signature**, being conserved in total originality.  It is the technology behind the electronic signature, a concept closer to the legal and technical conception. The **digital signature acts as a certificate of guarantee** of security and confidence for any judicial process. This data encryption gives the highest level of reliability to a signed document, which is known as timestamping. The sealed data is a **public key in an asymmetric cryptography model** that **generates two keys with blockchain technology in an end-to-end system**. In this way, a public and private one is created that are correlated. After that, the signature concept takes place by linking this with the content (document, message, agreement...) and can be **verified later through hash functions**. The vast majority of digital signatures obtain a **time stamp** that can easily be evaluated to check if it has been modified. This is also used to create a **guarantee of non-repudiation**. That is, **the sender can have proof that the receiver has read the message**. ## **Digital contracting and communication**  After knowing its details, we must **now** consider **how to create a digital signature and its use**. The answer to this question is not unique, because depending **on the** chosen **solution** and the **use case** where it will be applied, its implementation is different. There are two key moments in which digital signature technology is used: * **Electronic Signature**: This use is generally for the **signing of contracts and documents**. As we have been anticipating, from the hiring of personnel to the signing of home insurance or the acquisition of a company by another, the digital signature plays a fundamental role to **guarantee the whole process with its security standards and digitize it**. We can find this technology in **simple** and [**advanced electronic signature.**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) * [**Certified Communication (eFax)**](https://www.tecalis.com/products/certified-communication): For **communications between two parties**, the digital signature seals the information sent to leave a **complete electronic record and evidence** of the **sending of a message and the reading of its content**. Beyond the initial advantages of the purpose of this technology, the implementation of these solutions is generating great benefits for all types of companies, organizations and institutions. From the **reduction of operating costs to the boost in the confidence of its users** because they are interacting in a secure and reliable environment. Likewise, at the **marketing and sales** level, it is helping the growth and acquisition of new customers by responding to the demands of today's customers. Digital signatures make it possible to verify the veracity and authenticity of a document and the commitments it includes, as well as to prevent subsequent forgeries or modifications. The use of these solutions prevents [**identity theft**](https://www.tecalis.com/blog/identity-theft-digital-online-internet-how-to-security-systems-business) and other impersonation techniques. In any business, **ensuring that the person signing a document is who they say they are is fundamental** \- and in many industries, it is even a **legal obligation to have systems in place to corroborate this**. ### **KYC in the digital signature** Although the digital signature always produces the authentication of origin, for **higher-risk processes or operations in highly regulated industries** \- such as **BFSI (**[**Banking**](https://www.tecalis.com/industries/banking)**, Financial Services and** [**Insurance**](https://www.tecalis.com/industries/insurance)**)** \- the support is extended by joining the [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) process to the digital signature. This guarantees to the **highest legal and technical standards the identity of the signatory** in a remotely produced document signature. This is perfect for guaranteeing the integrity of the original and the document. The best digital signature solutions include the possibility of [**requesting an identity verification**](https://www.tecalis.com/blog/identity-verification) **along with the document signature, which is sealed** with the same encryption technology under such exhaustive standards as those of the European [**eIDAS (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services). The process consists only in showing the face together with an identity document to a digital device that collects and validates that information to join it to the digitized handwritten signature inserted in the document, message or content of the transaction. ## **Digital signature for companies and businesses** The integration of these two systems under the same flow has allowed **the BFSI area and the telecommunications and utilities** (electricity, water, gas, etc.) industries to **grow**, industries that depend on online contracting to continue growing. **Real estate** has also undergone a radical change by allowing the **granting of mortgages completely remotely or the purchase and sale of homes** also over the Internet.  The digital signature is already being applied in all sectors of activity and in companies of all industries. Beyond those that by regulation are obliged to do so, other **sectors such as education** are also taking advantage of these technologies to put online training on a par with face-to-face training thanks to solutions such as **proctoring (which combines electronic signature, identity verification and certified communication)**. The **healthcare sector** is also in luck as it is now able to **send reports and prescriptions telematically in compliance** with data protection and privacy regulations. Likewise, the implementation of digital signatures in hospitals has reduced filing costs by **digitizing, for example, the signature of medical consents**. ### **Digital Signature Use Cases** Another way to see how this technology has impacted the economy and society is through its two aspects in organizations: applications **dedicated to customers and users and those useful in the day-to-day internal processes of a company or institution related to** [**human resources**](https://www.tecalis.com/areas/human-resources-talent). Although there are hundreds of possibilities and advantages offered by the digital signature, we will review the most important ones. #### **For internal use:** * The signing of **delivery notes, receipts and any type of logistic documentation.**  * **Purchase orders, commercial contracts and B2B agreements.** Shipments and communications to **partners and suppliers**. KYB. * Sending **payroll and other documentation to** employees with security and legal guarantee. * **Signing of the workday** by the employee either for your company or for a contractor. Automation of the entire process. * **Employment contracts, acceptance of offers, confidentiality commitments and others**. * Granting access to facilities and use of work tools. * **The remote signing of expert opinions with instant confirmation** in the insurance sector and other similar applications. #### **For external use:** * **Contracting of products and services** in any sector. * B2B agreements and operations. **Negotiation processes**. * Acceptance of platform **terms of use.** ## **How to adapt and integrate it: costs and types** Although it may seem that integrating digital signatures in a business is something expensive and complex, in fact, it is just the opposite. Thanks to innovative startups that have developed **scalable pay-per-use solutions**, any business **from SMEs to large companies** can start using electronic signatures in a few hours without any investment with licensing plans. How is this possible? For years, these expert companies have been developing **platforms that anyone can use** without expert knowledge because they have designed simple and user-friendly dashboards for both companies and customers. However, this same technology is flexible and can also be adapted to integrate into the systems of the most demanding companies in hours and **automate dozens of internal and customer journey processes**. It is no longer necessary to resort to consulting firms that design costly and time-consuming technology creation projects, the **SaaS** (Software as a Service) and PaaS (Platform as a Service) model is already being standardized and accompanying businesses of all types in their growth from the very beginning with **minimal time-to-market**. They range from annual plans to monthly packages with subscriptions. Whether or not you have **management software**, you will always have the desired interface to close transactions better than ever before. The use as a service makes the integration of these systems secure and reliable at any stage of the business. The **savings in printing costs and paper and ink consumption as well as its 24/7 multi-device operation** generate equal parts probative value and agility to reinvent the way business models conduct their business. The signature can be delivered on digitizing tablets, personal computers, ATMs, cell phones or any device with a screen and input method.  As qualified service providers, digital signature providers also act as a RegTech ally and trusted third party, allowing SMEs to forget about these issues and supporting the compliance departments of large companies. --- ## Authentication: Processes and systems across platforms **URL:** https://www.tecalis.com/blog/authentication-what-is-process-methods-systems-security-verification-works **Descripción:** The authentication process consists of a series of steps and can be performed by different methods depending on the type of business. The **authentication of users** so that they can access the platforms provided by **businesses, organizations or institutions** has changed a lot since the first steps of the digital era. The use of username and password has started to become outdated a few years ago with the rise of [**identity theft**](https://www.tecalis.com/blog/identity-theft-digital-online-internet-how-to-security-systems-business) and the emergence of **new verification techniques**. Thus, authentication has become a **fundamental pillar in the security of any company** in order to prove the identity of its users and **offer them secure access methods** to **enjoy the products and services contracted, manage them or acquire new ones.** On the one hand, the **regulatory framework** in many markets and regions sets **very specific standards to which companies must adapt** in terms of user authentication. On the other hand, we see how users are demanding simplicity and agility, not accepting complex and time-consuming methods. Let's take a look at what the leaders are doing to solve these two challenges. ## **Steps prior to authentication** Before delving into the authentication process, let's take a brief look at the steps prior to it: [**User onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **and** [**Know Your Customer**](https://www.tecalis.com/blog/kyc-know-your-customer). **Registering customer information in the** company's **database** must be done according to very specific technical and legal standards. In many industries, it is not enough just to process information in accordance with **privacy** standards; comprehensive [**identity verification controls**](https://www.tecalis.com/products/identity-verification) must be established to corroborate that the user is who he or she claims to be. This is the basis for **any subsequent interaction to be carried out under an environment of guarantees, trust** and with full **legal backing**. In digital onboarding we see how the steps prior to the first authentication are done in an agile and automated way, with the least possible investment by the user and acquiring data through OCR, for example. Here comes into play the verification of the user's identity documentation, anti-fraud controls that prevent any attempt of impersonation or the signing of documentation and acceptance of terms of use. During this registration, you proceed to **create the credentials** with which the user will later access your products and services or the customer area. This is where authentication comes into play: ## **What is authentication?** **Authentication or authentication** is an **identity verification process by** which an **organization confirms that an accredited user is accessing data, information or materials** that are the exclusive property or use of a specific person. Once the identity of the access requester (tester) has been confirmed, the verifier accepts the request and provides a management platform on which to operate with the resources assigned to him or her. In this process the **comparison plays** a fundamental role, being the validator responsible for storing the credentials of all the users of the platform and comparing the information provided by the tester in the authentication with all the samples of the databases. We can also refer to the same act of **accreditation or authorization**. In the jargon of technology, there are two types of authentication: **identity authentication and data origin authentication**: the first refers to the previous steps mentioned above - **KYC and Onboarding** \- and the second type is what we know as authentication itself, **confirming information that only one person can know.** However, it is much more secure to **authenticate through what a person is**, as information or data can be stolen or improperly shared. ### **Most important authentication methods** How does the authentication that businesses use to **grant access to their customers, employees or suppliers** work? Well, before we go into this topic in depth, let's look at the **ways in which the authentication process can occur**: * **Directly**: It is directly between the tester and the company that owns the resources he/she wants to access. * **Indirectly**: Includes a third party acting as an intermediary between the tester and the supplier of products and services. It can endorse the identity of both mutually or only that of the tester unilaterally.  The second authentication mechanism is usually led by **trusted service providers** \- also called **trusted third parties** \- specialized in identity verification processes with high levels of security and regulatory compliance. There is one decisive term that stands out in authentication mechanisms: **factors**. While there are systems that are based on a single type of authentication factor, nowadays you **should go for a security strategy that includes at least two (2FA)**. The most relevant of these are described below: * **Knowledge**: a **password** or a PIN. * **Belonging** or possession: an **NFC card**, a USB **token**, smartcards of different types, devices with cryptographic content... * Characteristic or **inherent**: **Face**, voice, fingerprint... * **Location** or **behavioral**: IP address, device, GPS, way of writing, cadence of speech... Although the **multi-factor strategy** is more widespread in sensitive sectors such as banking, finance and insurance, more and more industries are beginning to use it to meet today's challenges. Among the factors mentioned above, [**facial biometrics**](https://www.tecalis.com/blog/face-recognition) is the one preferred by most users, followed by **passwords** and **OTP codes (One Time Password by SMS or email)**. The selection of the factors to be requested for access must be made according to the type of user, the industry to which the business belongs and taking into account the operation to be carried out. ### **Authentication, authorization, accreditation, verification, identification ... Differences and similarities** As we have already mentioned, authentication is a step after user registration. The terms should not be confused, although they are similar. While **in KYC exhaustive controls are carried out for this first interaction and to corroborate that the data** provided by the customer in the process are legitimate and truthful, in subsequent access **it is only confirmed that the person who is requesting the use or management of resources is who they say they are** \- someone who has already validated their information. However, many businesses choose to **generate credentials that have not been verified by KYC systems**. In other words, the information used by the user for subsequent access is a password that, yes, was chosen during the same process, but is not intrinsic to the user. This entails a **number of risks related to loss and forgetfulness as well as theft or attempts at deception**. We know that the **best digital onboarding platforms are able to reduce the risk to almost absolute zero**, thus eliminating almost all **problems and fraudulent attacks in the authentication process**. ## **User authentication: How is it being done?** Today, **72% of businesses authenticate their customers by using user-password credentials and** others, at most if required by regulation, additionally request OTP codes. This not only **generates user friction** but also entails serious **risks such as those caused by** [**sim swapping**](https://www.tecalis.com/blog/sim-swapping) **or phishing**. It is well known that, despite warnings from institutions and cybersecurity awareness campaigns, **users end up using the same password for all their platforms or use** easy-to-remember **phrases or codes** such as birth dates, pet names or any other information that can be obtained without excessive complexity by potential criminals. As a business or organization, establishing security techniques is not only **mandatory in certain markets and industries** but will create more confidence in potential customers to purchase. **One of the reasons given by users in surveys when abandoning a registration or login process is distrust.**  It might seem that this insight is only applicable to those users less familiar with technology and with an age profile above 45 years old. However, this applies more to the new consumer profile below this age bracket since, knowledgeable **about web platforms, they easily detect when they are operating under a system with few security controls**. ### **Know Your Customer, Electronic Signature and Digital Onboarding** So what is the answer to all these challenges? In general, in business and user experience there is usually no single answer, but with respect to today's topic - authentication - there seems to be a broad consensus: **generate credentials based on the KYC process**. This is something that companies in the BFSI (Banking, Finance, Insurance and Investment) area are already implementing. **Create a unified identity verification strategy in onboarding along with the authentication system**. KYC requires identity verification through facial biometrics and ID document validation. With this, a **highly secure facial biometric pattern** can be created to **authenticate the user at a later stage**. This method gives **greater legal validity to the authentication process, complying with standards such as PSD2** and its Enhanced Client Authentication standards. The question is quite illustrative: Why generate isolated credentials when you can **use the same process to create an inherent authentication factor**? In this way, we require **less effort from the user during the registration process** \- something that maximizes conversion -, we provide greater security in any interaction the user will perform on your client platform, and we give greater legal backing to each access. ## **Secure Client Authentication (SCA) and other standards** The same is true when it comes to the **contracting process**. The [**electronic signature**](https://www.tecalis.com/products/electronic-signature) must be fully integrated with the user onboarding process, attaching AML and KYC documentation along with the contract. This is especially important in sensitive transactions such as insurance, real estate or any FinTech platform - for example trading platforms. In **multi-factor authentication strategies**, we can now opt for facial biometrics accompanied by a PIN, something that is giving **great results and that allows high-risk operations to be carried out thanks to the fact that one of the factors is based on a KYC process certified by a Trusted Third Party**. On the other hand, **entrusting the authentication process to systems based on** [**FIDO standards**](https://www.tecalis.com/news/fido-alliance-members) is an insurance for the future and a commitment to innovation and leadership today. --- ## eLearning: verifying learners' identities online **URL:** https://www.tecalis.com/blog/e-learning-elearning-what-is-digital-learning-business-education-platform-course **Descripción:** E-Learning has characteristics and benefits that not all platforms are taking advantage of to support their training and teaching. e-Learning - or **online education** \- **gained** **popularity** at a time when we were forced to stay at home because of the situation a few years ago. However, this educational modality already had **decades of development** behind it, with a **golden age in the late 1990s** and a **second generation around 2015**. Learning models have changed in recent years and **some educational institutions have dared to innovate with respect to teaching techniques**. However, in terms of format and new forms, it seems that many of the **training companies** and educational institutions still do not have the latest solutions to solve the challenges in the area. We can observe how **a silent mantra** seems to **be repeated** when someone talks about **obtaining a degree or completing training through** the Internet: online training, eLearning, remote education or whatever way we have of referring to this model **seems to be below face-to-face teaching** in terms of **recognition**. This is especially the case when we refer to the concepts of **guarantees, institutional support and competence acquisition**. **This is the most important challenge** that leasing has been facing since its inception. Fortunately, now, **the third generation of eLearning platforms are using** [**EdTech techniques and technologies**](https://www.tecalis.com/blog/edtech-educational-technology-edutech-education-startups) **to address** this unrealistic, but largely mainstream perspective. Below, we will see how they are doing it and **what actions leading eLearning companies and platforms have developed to position themselves even above face-to-face education.** ## **What is eLearning?** eLearning is a concept that has been defined from many perspectives and some professionals have confused it with other areas of education. However, its definition is very simple since, beyond being something concrete, it brings together many educational models. Understanding this, we can make a broad approach to the concept of e-Learning (Electronic Learning or Digital / Electronic Education) unifying everything under **an ecosystem of companies, businesses and institutions that provide formal education or non-curricular training through digital devices.** This means that, for example, we could also speak of e-Learning when a university or training center installs digital devices in its facilities for training and evaluation. Even so, the vast majority of those who search on the concept refers to eLearning as **tele-training, virtual learning or online teaching; being essential that it is remote**. In the previous example, we would then be talking about **blended learning (B-Learning) or M-Learning (Mobile Education)**, the latter closely linked and understood together with teaching techniques based on **gamification**. ## **Characteristics and opportunities of e-Learning** The benefits of e-Learning are known to all: from greater flexibility to the convenience of training at home. However, this vision is somewhat simplistic: this teaching method has **democratized learning and access to content** that might not be available due to geographical location. One of the main features is that a business leader or expert in the field who has little time beyond his or her profession can now consider teaching classes because they fit in with his or her scheduling needs. Another advantage of eLearning is that it can, if it wants to be exactly the same as face-to-face education. It seems that online training is only recorded, transmitted and evaluated. However, many platforms offer weekly or even daily tutorials to resolve doubts from recorded classes. Also, **the most demanding institutions can have classes in video call format, obtaining the same training experience as in a face-to-face class.** A **study conducted by the University of Oregon** analyzed the competencies of both employees and students after receiving both online and face-to-face training and education. The results showed that students in the online format had paid more attention, answering the questions in the teacher-taught syllabus better than those in the books or syllabus. Regarding the latter, the results were similar. **With a panel of more than 2,000 students, those in online training increased their average mark by 15% while those in face-to-face training increased their average mark by only 5%.** ## **Third-generation eLearning: Digital identification** As we mentioned at the beginning, what once seemed to be an option or alternative, became the only way to continue training due to health circumstances. It was at that moment that dozens of issues related to eLearning came to light: **privacy, security, trust, verification, regulatory support**... **Training companies, platforms, universities** and institutes suddenly had to go digital if they had not already done so. Many of them did it according to the old rules of online education, missing the opportunity to use **third-generation EdTech tools**. All of the issues we have listed are based on a single concept: [**identity verification**](https://www.tecalis.com/products/identity-verification). What is the real reason why some do not give credit to online education? After a **thorough analysis it was found that the reluctance to consider eLearning degrees and courses at the same level as face-to-face ones comes from the following considerations:** * The student does not pay the necessary attention during the classes, especially during the recorded classes, and may go off to do other things or move on to other things. * The classes and exercises can be attended by another person, and not by the student who must actually take them. * There is no guarantee that the notes cannot be copied or disposed of in front of the examiner's computer or device during the evaluations. * There is a possibility that the person taking the test may not be **the student or employee who is taking the education or training**, with someone else taking the test or practical test for him. * The treatment of data, projects or any other sensitive educational information is not carried out with the same care as in face-to-face education. * The validity of the titles is not the same, as they are a simple PDF or document without backup. That said, it is clear that the main hurdle to overcome in eLearning is closely linked to [**identification**](https://www.tecalis.com/blog/identity-verification) **and** [**authentication**](https://www.tecalis.com/products/authentication). Verifying the identity of learners when they **first enroll in** a university, **register on an online course platform** or **when a company transmits their data for training purposes** would resolve several of the previous considerations. The [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer) process is well known in the financial industry and is performed whenever a new customer registers during the [**digital onboarding process**](https://www.tecalis.com/blog/digital-onboarding-customers-employees). This simple technology, which is integrated into regular registration, has started to be used **in the education sector and is known as Know Your Student (KYS)**. All that is needed is to check the ID card on both sides and take a short video of the student, which will generate a biometric facial pattern similar to the one generated by smartphones to authenticate their owners. This process has superior legal backing and recognition by institutions, as it is **required in many sectors by regulations and laws**. With a few small steps that take only a few seconds, we ensure that the student is who he/she says he/she is and we **link all the training provided to his/her identity, personal, academic and professional history**. On the other hand, for each daily access or when the learner has to log in to the platform where he/she trains and learns, he/she can **authenticate with** [**facial biometrics**](https://www.tecalis.com/blog/face-recognition) based on the KYC process instead of with username and password - **again securing each study session, class or practical test.** And, if you were wondering how this affects **privacy, legality** and the like (especially in cases involving minors), there is nothing to worry about. This method is **totally legal and is very well accepted by users, who understand its purpose and appreciate its ease and simplicity**. What's more, having these systems is a plus of guarantees, since they are aware that this **eLearning platform will guarantee them more support and recognition in their training and the qualifications issued as** a **result.** ## **The key to evaluation for e-Learning** With that, we would solve most of the considerations why e-Learning is not taken seriously by companies and certain organizations. However, we would still have to deal with the **evaluation, examination and training processes**. Here, some doubts arise as to how to do this, as it is difficult to control. However, the best EdTech technology has been made available to eLearning to create powerful and capable solutions. The **evaluation process is crucial**, as it is the one that determines that the student has obtained the necessary competencies to obtain the qualification, being - as professionals in the field know - the backbone of any educational or training process. This is **especially important for certification agencies, public universities or PRL training**. Likewise, in order to provide guarantees and support, **online course platforms that offer subscriptions, micro degrees or individual courses** also have to focus on evaluation and **communicate to their students that they guarantee correct learning and provide maximum support for the certifications issued.** ### **Proctoring, the undisputed ally of eLearning** To provide absolute support and maximum guarantees for an examination, EdTech has developed proctoring solutions: **software that monitors the student remotely during the evaluation period.** You simply need a camera to make it work. The best systems allow it to work either unattended (working with an intelligent AI that analyzes the environment and the learner in real-time) or assisted (with a video call with teachers or examiners). **eLearning platforms can integrate this type of system in days in their virtual spaces without complications and with little impact on their technology or development departments.** ### **Electronic signature, a must in any company or platform** The [**advantages of electronic signatures**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) are well known to most professionals in all sectors. This tool has found its way into absolutely all industries and areas of activity. Thanks to the development of EdTech, e-learning has integrated eSignatures in dozens of use cases and in all phases of its [**student journeys**](https://www.tecalis.com/blog/customer-journey-360-solutions).  From payrolls **for employees** to **certified communications for exam changes**, to the **signing of enrollments,** digital signatures are present in any educational process that needs regulatory support and a **platform to seal an agreement.** The best solutions are agile **and simple, automating the sending of signature requests**. A clear example is to **sign exams** after completion with **full electronic evidence** of all the student's movements during the exam remotely, **giving full validity to the evaluation**. This data can be certified and stamped along with the degree when issued, although only viewable by the student or the educational institution. Regarding **legality** and **privacy** concerns, students are informed at the beginning of the course or training that they will be using these methodologies. In general, **97% of students taking online courses or training prefer that they are used** and that their qualification is fully valid than that the measures are relaxed but the institution or platform does not **guarantee that their training will be supported in the labor market or at an institutional level.** ## **The struggle for leadership: content or guarantees?** It might seem that integrating this type of solution in eLearning platforms, virtual campuses, websites or software is costly and complex. Many educational institutions and training companies give up innovating in this sense because of this mistaken belief, **devoting their resources to the creation of new educational content, the opening of more training plans or advertising to gain more students.** And yes, they are right, because these investments must continue to be made.  However, what many industry professionals are unaware of is that **there are trusted identity platforms and services that do not require development and outlay to implement**. The SaaS (Software as a Service) model is based on a pay-per-use premise that charges every time the company **onboards a new student, stamps an exam or signs a degree**. This allows companies and institutions to **grow without making a prior financial commitment to** develop these technologies to help them increase their profitability and sustainability. Therefore, thanks to this new model, there is no need to decide whether it is more convenient to invest in marketing, new courses and training or in technology to be more efficient, secure and recognized. --- ## Two-Factor Authentication: Tools for 2FA verification **URL:** https://www.tecalis.com/blog/two-step-authentication-2FA-verification-which-is-account-activate-factors-security-systems-configure-business-second-factor **Descripción:** 2FA or Two-Factor Authentication has become a standard that many companies are required to implement in their user access and verification platforms. **Two-step authentication, two-step verification or 2FA** has become very important in recent years. Not only linked to account security but also because **regulations in many markets have begun to require companies to implement this system**. Similarly, companies in sectors in which its implementation is not mandatory to have begun to offer this possibility and have even promoted **incentive campaigns for their users to activate two-step verification**. This is practically a must in any [**risk management strategy**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects) for companies and businesses with a digital presence today. As an organization or business, we must understand the importance of this method in the platforms we offer to our customers and users, whether we are required to do so by law or not. ## **What is two-step authentication?** Two-step authentication is an **identity verification system** designed to grant users secure access to their accounts, products and services or customer management platforms. That is, a series of **identity checks** that ensure that the person requesting access to a user account is its rightful owner. The distinguishing feature of the two-step authentication model is that it **uses two factors instead of a single one**. This adds an **extra layer of security by forcing the applicant to provide two different pieces of evidence to confirm that they are who they say they are**. Also known as **2FA** (**Two Factor Authentication**), two-step verification is a much more secure method than just using the account's email address along with a simple alphanumeric password. In addition, a second step is added to be identified in a service that guarantees more exhaustive controls. This prevents **users with fraudulent intentions** from **impersonating customers by accessing their accounts and making transactions on their behalf**. This not only puts consumers at risk but the entire organization, which could face millions in penalties. It is very common for easily vulnerable passwords to be chosen and used by hackers or other criminals. With two-step authentication, we break this with two-factor authentication that has not been obtained. This second action after entering the username and password is much **more difficult to breach, especially if inherent authentication factors are involved**. Thus, two-step identification must use all the technology at its disposal to ensure access, login and authentication processes that are completely impassable. The **best** two-step [**authentication systems**](https://www.tecalis.com/products/authentication) are able to use authentication factors depending on the device from which the user is accessing and detect suspicious behavior. In addition to this, there are dozens of controls that platforms are implementing to take security to its highest level. ## **Multi-factor verification** Before delving into the authentication process, let's take a brief look at the steps that precede it: [**User onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **and** [**Know Your Customer**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification). **Registering customer information in the** company's **database** must be done according to very specific technical and legal standards. In many industries, it is not enough just to process information in accordance with **privacy** regulations, but also to establish exhaustive [**identity verification controls**](https://www.tecalis.com/blog/identity-verification) to corroborate that the user is who he or she claims to be. This is the basis for **any subsequent interaction to be carried out under an environment of guarantees, trust** and full **legal support**. In **digital onboarding,** we see how the steps prior to the first authentication are done in an agile and automated way, **with the least possible effort by the user** and acquiring the data through OCR, for example. Here comes into play the verification of the identity documentation of users, anti-fraud controls that prevent any attempt of impersonation or the **signing of documentation and acceptance of terms of use**. During this registration, you proceed to **create the credentials** with which the user will later access your products and services or the customer area. This is where authentication comes into play. The **method of creating these credentials is decisive for** subsequent two-step authentication. **Using the user characteristics extracted by the technology that accompanies the best** [**Know Your Customer (KYC)**](https://www.tecalis.com/es/blog/kyc-que-es-know-your-customer-significado-documento-ficha-controles-compliance-ventajas-antifraude-beneficios) **processes** will ensure that subsequent authentications are technically and regulatory supported at the highest level. ### **Types of authentication factors** As we have seen, two-step verification consists of the use of two authentication factors to corroborate that the person trying to access a customer or user account is its legitimate owner. **Two-factor authentication strategies use two factors to protect this access.** The following is an overview of the different types of authentication that **can be selected in combination for any 2FA or MFA model**: * **Alphanumerics** that must be remembered: These are characterized by the use of letters, numbers and symbols. From 4- or 6-digit codes to the usual passwords, there are many types of passwords that can be set. * **Social login**: This is a factor-based authentication method that picks up another platform with its own verification system, also sometimes in two steps. It is useful but must be accompanied by a second control. * **Physical item in possession**: It can be a card with an NFC chip, a mobile device or a pendrive. * **A physical element that is inherently itself**: That is, biometric authentication factors such as face, voice, iris or fingerprint. * **Time and behavior**: These are those that have as a reference the user's behavior, the way and the time in which the user develops a series of interactions with the platform. * **Of place**: a system of location or controls to identify that the user is in a certain place to which only he has access. However, these are very uncommon like the previous ones. And, to the question "what are the best authentication factors?" there is a resounding answer that both experts and users share: the inherent ones. [**facial biometrics and face recognition systems**](https://www.tecalis.com/blog/face-recognition) have proven to be the preferred option for users and the most secure factor since it cannot be lost, it cannot be subtracted and today the technology that makes it possible is impassable. ### **Two-factor authentication** When we talk about two-factor authentication, we are referring to the **second of a series of several factors required** in an identity verification operation. How to choose the right order? Well, it might seem that the most logical thing to do would be to start with a less secure factor and increase the difficulty as the first ones are passed. However, the best recommendation is to **be unpredictable**. The **choice of two-factor** authentication should be dynamic so that it does not always follow a specific pattern. This **will mislead those who intend to commit identity fraud** and cause them to give up trying to access a customer account that does not belong to them. On the other hand, companies are launching **campaigns to encourage their users to enable two-factor authentication** (2FA), either through third-party apps, the use of SMS or OTPs sent via email. This is important for those companies and organizations that already have a huge database of users who signed up to the platform before two-step verification became the norm. However, it's a lot easier than it sounds: ## **Advantages, disadvantages and 2FA activation**  Today, there are **holistic SaaS** \- pay-per-use - **platforms** that cover **all user interactions in their customer journey so** that companies do not have to initiate complex projects to transform their operations and processes in a costly way. Today, two-factor authentication systems that cross-reference proof of identity with the data offered at registration can be incorporated in days. The advantages of two-step authentication come in the form of apps for users and applications for businesses that make it really easy to make their accounts and systems impassable to hackers and online criminals. When we think of drawbacks, it comes to mind whether **conversion rates and the number of transactions** will be reduced by requiring more effort from the customer.  However, there are hardly any businesses that - either because they are forced by regulation or because they want to be secure according to current standards - have not already integrated access and account screening systems based on two-step verification models. **Users have no problem activating strong authentication and a good system designed with UX/UI best practices will not generate any friction**. ## **PSD2 and SCA: Strong Client Authentication Secure Client Authentication (SCA) and other standards** Two-step authentication has become increasingly important not only because of the increase in cyber attacks due to the explosion of remote and digital services and products. The **approval of national, international and regional regulations that oblige companies to** have more exhaustive control over the use they make of their clients' data and the protection of their systems to avoid risks has been decisive for its expansion and, above all, for its **standardization**. The European directive [**PSD2 (Second Payment Services Directive)**](https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca) has completely transformed the banking and financial sector, especially the FinTech area. Its approval forced all companies to **standardize their access and authentication methods in order for users to carry out transactions through their digital portals**. This regulation created the [**SCA** \- **Strong Customer Authentication**](https://www.tecalis.com/blog/sca-strong-customer-authentication) - concept, which aims to promote security in both financial institutions and TPPs. Although focused on online shopping, the SCA has taken two-step identification to all industries and areas, setting standards for the proper functioning and performance of multi-factor authentication strategies. In conclusion, **businesses should not wait for these types of standards to reach their markets and sectors to incorporate authentication systems into their platforms**. Security is crucial for any business and **not only is it an additional option, but not having these controls in place will scare away a large part of potential customers** because they feel that they are operating with a company that does not take care of their data or the products and services they have purchased and contracted, making them feel insecure.  In any risk management strategy, IT security is a priority today. Thousands of companies every day suffer attacks of impersonation of the identity of their customers, putting at risk not only these, but the company to be responsible for this. Sometimes, these attacks have caused businesses to stop their activity, and they have had to face sanctions or lawsuits from the affected users. --- ## What is BFSI? Banking, financial services and insurance **URL:** https://www.tecalis.com/blog/bfsi-banking-financial-services-insurance-sector-industry-companies-market-companies-what-is **Descripción:** BFSI is the union of the banking, financial services and investment industries. An industry that penetrates all markets and sectors. The **BFSI industry is** already a reality: a **unique ecosystem** with a **differential proposal** that brings together the **best practices** of each of the areas of finance to create **disruptive business models**. The evolution of [**FinTech**](https://www.tecalis.com/blog/fintech-financial-technology) and [**InsurTech**](https://www.tecalis.com/blog/insurtech-insuretech-what-is-ecosystem) has led to the emergence of new players with a completely different approach, updating traditional companies and generating new opportunities for both customers and companies. It is no longer just that we are starting to use new terms to refer to an area we already knew, but that **the transformation of banking, insurance or financial services companies** has triggered the use of a concept that is here to stay. ## **What is BFSI?** **BFSI is the acronym** used to unify three industries that **share an offer of products and services of banking, financial and insurance origin**. Thus, the first definition of BFSI is a quick way to refer to companies, businesses, customers and suppliers around the following areas: * Universal **banking**. * **Insurance** offer. * Non-bank **financial companies.** * **Small volume financial institutions.** * **B2B** Banking. * **Investment and pension funds, as** well as **mutual** or **cooperative societies**. * The total **FinTech** offer: **neobanks**, wallet cards, online banking, TTPs, **intermediaries**, payment gateways... * **Wealthtech** service companies: **trading** and cryptocurrency platforms, exchanges, **P2P** proposals**, lending, crowdfunding**... * Carsharing, [**renting**](https://www.tecalis.com/blog/car-rental-cars-what-is-vehicles-platforms-companies-individuals-leasing-2023-functions-car-rental-subscription) and related systems. * **Technology providers** ([**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) **and others**). The meaning of BFSI, however, goes beyond this conjugation of **different actors offering services and products of the same range, origin and complementary**. It is also, and more recently, used to refer to **technology-based companies engaged in finance**. Sometimes it can also include **[PropTechs](https://www.tecalis.com/blog/proptech-property-technology-which-is-real-estate-management-retech-sector-industry)** that base their core business on real estate capital investment, with a more financial focus and less on housing services. As a summary, we can say then that it is a term used to summarize a set and not have to go explaining part by part. Even so, as we have been saying, it is increasingly used to refer to those companies with a more innovative value proposition, **to the traditional ones that have diversified and expanded their markets** or to the set of technology providers that provide software that makes possible the online offer of financial products and services. ## **Convergence of BFSI areas** Finance companies that offer insurance and insurance companies that offer financing. Yes, **the diversification of the different areas of BFSI within a single player is becoming more and more common**. Whether through **strategic alliances or partnerships**, many businesses can now offer their clients complementary products based on their interests and profile. Also, thanks to new models, they are daring to do it on their own without partners. Central banks, retailers and the private and corporate sector are also starting to open their own insurance divisions. This is not something new, as banking has been doing it for decades, however, as far as financial services companies are concerned, we have seen how now thanks to technology and scalable business operating models, **they can reach new markets with a simple transformation of certain very specific and simple processes**. The term BFSI is widely used in the **Business Process Outsourcing (BPO)** sector, where consulting firms or other external contractors develop teams that diversify the market position of these companies. The same applies to the development of software and [**digital onboarding tools**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) for the acquisition of new customers under [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer) **and AML (Anti-Money Laundering) standards**, whose technology, slightly modified, **applies equally to use cases in these three areas: insurance, finance and banking**. ### **Banking** The IT and information services, data and operations (processes) departments in the financial sector have done a **good job of being an industry pioneer in terms of digital penetration**. However, some of the methods of acquiring customers in online banking are expensive and require extensive technological developments. Now, thanks to **SaaS** models, **banking has been able to transform in days and is able to deploy FinTech divisions in a really agile way**. Within the BFSI, open banking stands out. This applies not only to the most innovative models but also to traditional banking. ### **Insurance** The **electronic signature** is one of the most crucial technologies for BFSIs, especially for insurance services. No longer only for the **contracting of** financial and risk products, the digital signature makes it possible to send **certified communications** for use cases such as **pre-notification of debts, renewals or maturity in an automated way**. Thus, banks have opted to **dedicate teams to offering insurance with much greater agility than in the past**. On the other hand, the interconnection of systems between banking and insurance players has led to cross-selling and partnerships between FinTechs and InsurTechs. ### **Financial Services** BFSI's "FS" is one of the fastest growing in recent years. Its proposal has been characterized by **transversality**, reaching everywhere and **not only in B2B but also to the small investor**. We are no longer talking about the democratized trading platforms and digital brokers, but about an industry that has crept into the financial sector through **neobanks, on/off products, micro-investments or rental agreements with the option to buy** (financed reform included with the management of the decorator made by the financier). ### **Other industries** Whenever we talk about capital and money we talk about BFSI. As we have already mentioned, **planners, builders and real estate companies** have entered the more financial investment sector. Now, we can find **investment businesses based on construction**: a developer buys a plot of land and builds with the money of hundreds or thousands of individual investors, who will receive a profit margin based on the sales of, for example, a macro office complex. Goodbye to boring fixed-term deposits. ## **The future of FinTech, the financial sector and InsurTech** Today, companies and businesses belonging to the BFSI have proven to be able to overcome the **uncertainty and volatility of the markets** they operate in recent years. This is due to a willingness to be resilient through **rapid change and anticipation based on data studies**. This **ability to react with tight time-to-market** comes thanks to **SaaS** technologies that are implemented in days. At Tecalis we have analyzed the practices of the main players in the BFSI sector **discovering very recent trends** such as aggressive **incentive campaigns to open bank accounts or credit and debit cards (digital wallets)**. Many are wondering if this is correct and if these large investments in advertising and attractive claims are having **a real impact on** growth and, especially, on the **business opportunities offered by the operations performed after** user onboarding and account activation. In **2022 and 2023**, the profile of BFSIs is very different from what we have seen just a few years ago and certain trends are emerging that will mark the future of an area that brings value and wealth to the economy. **You can download this full report that includes data, trends and proven practices of those that are profitable and growing in our** [**Knowledge Center**](https://www.tecalis.com/knowledge-center)**.** ## **What to expect from regulators** One of the aspects that makes it possible to talk about BFSI as a unified whole is the **regulation that affects each of the three areas involved**. Both must **comply with the same regulatory standards in most markets**. Standards such as [**eIDAS (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services)**,** [**AML6 (Sixth Anti-Money Laundering Directive)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) **or** [**PSD2 (Payment Services Directive 2)**](https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca) define how operations in these industries should take place.  As mentioned above, as a general rule, **the laws to which BFSI processes and operations must conform are the same. As a** result, **risk management** and **compliance strategies** are established holistically. Thanks to **RegTech**, **operating in any country and complying with your obligations is simple thanks to** the integration of automation tools that include the necessary controls, giving the business the information it needs and satisfying the regulators. In the future we will see further **technological and regulatory convergence** between the three areas and the lines between, for example, trading platforms, insurers or banks will begin to blur. --- ## Cities and the Metaverse: opportunities and savings **URL:** https://www.tecalis.com/blog/metaverse-intelligent-cities-digital-transformation-digital-virtual-economy **Descripción:** The development of digital cities has led them to leap into the metaverse. How can this virtual reality impact the economy and society? There are many current concepts and technologies that are impacting cities and the metaverse seems to be one of the most relevant. With the rise of GovTech solutions already implemented to achieve a **second digital transformation of public administration**, a new type of more innovative solutions has emerged that, applied in the right way, **can make cities save millions thanks to their tools** and the way they approach certain processes. The metaverse goes far beyond video games, social networks or pure entertainment. In this ecosystem we can find applications dedicated to **urban planning, engineering, economics or health**. That is why dozens of large cities around the world are already immersed in digital projects based on metaverse with the aim of promoting a new way of understanding their own reality. ## **Virtual reality impacting real life** As we have been saying, a second digital transformation has already taken place in terms of the **online platforms and internal systems of some public bodies and administrations**. The first transformation led to online and remote processes in which it was essential to be in person to carry out procedures with the administration. However, these initial systems, which have been operating for decades without many improvements, have become obsolete and **discourage citizens who now have very different expectations and needs**. The **implementation of** [**GovTech software**](https://www.tecalis.com/blog/govtech-governments-public-administration-technology-startups) in cities and their organizations has taken off thanks to **SaaS models and technologies such as** [**identity verification**](https://www.tecalis.com/products/identity-verification)**, agile electronic signature and** [**RPA (Robot Process Automation)**](https://www.tecalis.com/products/rpa-automation) **tools**. The electronic signature and certificate, for example, has been a headache for many citizens, and although implemented with more or less success, it has seen how its traditional conception has not been understood for use by the average user. However, **modern** [**e-signature**](https://www.tecalis.com/products/electronic-signature) and **KYC (Know Your Citizen) solutions** have nothing to do with those that so many citizens used to complain about. Today's startups have been able to pick up on the demands and desires of today's citizens to propose solutions with the same support and level of security while optimizing processes to save on time and operational or integration costs. ### **The meaning of the metaverse** The [**metaverse**](https://www.tecalis.com/blog/metaverse-what-is-identity-risks-possibilities-who-access-opportunities-how-to-enter) is not just the _Horizon Worlds by Meta_ platform announced by Mark Zuckerberg a year ago, but is an **ecosystem of Web3 platforms and new-age software solutions that the most innovative cities are looking to use to improve and expand the citizen services they provide.** Thus, we can define the metaverse as a set of web platforms, never as a single entity. In these virtual environments a very different approach is reached, since each one usually has a goal depending on the capabilities it has or the system it tries to represent. Not to be confused with virtual reality or augmented reality. ## **Metaverse opportunities for cities** The metaverse platforms timidly began to explore the path of **building and representing real cities in their virtual universes**, whether three-dimensional or not - each one took its own path. Thus, in a matter of months there was an explosion where dozens of metaverses had already **fully represented major cities with an astonishing level of detail**. Others had **mapped the entire land and divided plots of land for sale**, and we could even see **sewage, waste management or environmental projects**. This brings us to the most logical connection between the metaverse and cities: the **implementation of tools from these platforms to work in urban planning departments, urban mobility projects or the complete planning of the entire municipal territory**. This, if it is also supported by tools with functionalities based on artificial intelligence and machine learning, we achieve amazing results capable of **saving millions to any city or small municipality in the world**. **Air quality data and parameters** are already being obtained and automatically fed into these platforms for smart cities. A necessary transformation to be able to prevent and make decisions with data processes that address the problems of the residents of a city. As a result of these applications, the concept of "digital twins" has emerged, which defines the smart cities built in the metaverse and which obtain data from the real city in order to **predict demographic trends, supply failures or the number of patients that will arrive at the local hospital in a day, based on the activity of the city's neighbors on the network.** ## **Projects in progress: which cities have embraced the metaverse?** **South Korea** is undoubtedly one of the countries that has advanced the most in GovTech, which is giving amazing results, for example with respect to the **great water challenge facing the country**. Its capital **Seoul** is already on metaverse platforms such as "Metaverse Seoul", where you can carry out **procedures related to municipal services and taxes in** a way - although it may not seem so - more convenient, faster, closer and simpler. The city has already invested **more than 3.3 billion dollars in this project**. Even its own mayor makes speeches in municipal plenary sessions through the capital's metaverse platform. Following this implementation, it has announced intentions to **use the metaverse as the main urban planning tool as well as a virtual office for businesses and associations in the city**. Something similar to what is already underway in the U.S. **Santa Monica for the** implementation of a **virtual economy for SMEs and local businesses offered by local commerce**. Three-dimensional backups to **preserve cultural heritage** have reached the metaverse. Did you know that the current reconstruction of the **Parisian Notre Dame** is being done on the basis of data collected by a lidar radar that recorded in a virtual space the exact data of the monument? This has already been done in **Spain** with the **Cathedral of Leon**, something that has allowed municipal architects to improve the positions of certain structural support elements, **saving tens of thousands of euros to the public treasury** in future repairs or restorations. **The Chinese city of Shanghai** has already inserted its digital twin into a metaverse-based supercomputer in which it performs **simulations of earthquakes, police chases or fire forecasts**. ## **A GovTech future for smartcities and enterprises** Everything we have described above could not be developed without a **secure and safe bet**. This realistic approach to a future where the metaverse is capable of solving the most pressing challenges of cities, the economy and citizens is only possible with advanced identification solutions such as [**Tecalis Avatar Identity Technology**](https://go.tecalis.com/hubfs/tecalis-avatar-identity-technology-1.pdf). This system is capable of integrating identity verification, electronic signature and automation solutions in a single flow to **provide legal support and technical security to all operations and transactions taking place in the metaverse ecosystems**. **GovTech solutions designed for governments and local or regional administrations are intermingled with those intended for business use**. This is the case of Meta Media, which is betting on the XiRand service of the Chinese search engine **Baidu** for e-commerce offers. Tencent and Alibaba are also developing projects very similar to those of the GovTech cities in the metaverse, and the **Chinese state news agency is already launching content such as NFT**. **Nike, Balenciaga, NASCAR, Nissan, BMW or Coca-Cola** already have Web3 projects that are driving their sales today and that may become a decisive part of their business in the future. What is clear is that this **will only be a consolidated reality** if there are leading [**RegTech partners**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) that support this activity with anti-fraud and identity technologies. --- ## Identity theft. What companies and users should do? **URL:** https://www.tecalis.com/blog/identity-theft-bank-crime-usurpation-penalty-digital-types-what-is-risk-internet-theft-accounts-spoofing **Descripción:** Identity theft, usurpation, or digital spoofing: practices increasingly on the rise. What can we do to prevent it with ID verification checks and systems? The **rise in identity theft crimes** has been accompanied by a boom in **digital transactions**. While impersonation **also takes place in physical environments**, the vast majority of these criminal acts occur on the Internet. The means is always the same: impersonating another person by falsifying documentation or stealing passwords. Whose fault is it? Many wonder about **whose responsibility it is** when impersonation has caused damage to a party. In this article we will take an in-depth look at the [**authentication systems**](https://www.tecalis.com/blog/authentication-what-is-process-methods-systems-security-verification-works) **implemented by companies** to prevent these practices and **what users can do** on their side to prevent their accounts being used on their behalf without consent. ## **What is identity theft?** Phishing is a term **generally used by IT professionals** to refer to **attacks involving the use of authentication factors to access customer accounts without the customer's permission**. The objective of these attacks is to **steal information, products, services or even money**. The **falsification of data of various characteristics** is one of the main problems in the face of online access, as it is the key for attackers to circumvent less secure identity verification systems. Spoofing is also known as impersonation**, spoofing or** [**identity theft**](https://www.tecalis.com/blog/identity-theft-digital-online-internet-how-to-security-systems-business). On the other hand, we can also say that an identity has been impersonated **when a fake profile is created from scratch** in, for example, a social network or an email account. Images and information that are public on the network are often used to impersonate a person or company. Although it can cause very significant torts in terms of image - as stated in the **Trademark Law** \- or **defamation, it** still will not go beyond this type of consequence. It is not possible to achieve the theft of one's own account or to authorize access to platforms of various kinds. **The real aggravation comes at times when criminals access platforms and tools that are a** required **authentication factor** to be able to operate in, for example, through a bank account. A clear example of this is [**SIM Swapping**](https://www.tecalis.com/blog/sim-swapping). This can happen through **phishing** techniques or the release of **viruses by** hackers. However, in many cases it is even simpler: some companies have not yet implemented [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) that correctly verify the identity of their users and customers, so impersonating them is not very difficult. **How long does phishing take place?** Well, this depends on many factors: from the **attacker's ability to fake non-suspicious behavior to the controls that companies have put in place to detect fraud attempts**. We will explore this later in this article, but first let's look in a little more detail at the types of spoofing and how the laws punish these illicit behaviors. ## **Crime of usurpation, penalty and types** In the **area of IT and network security**, professionals categorize attacks according to the type of means used to gain fraudulent access to a system. In this way we speak of identity theft of different types, among which the following stand out: * **E-mail** spoofing: In many cases, this is done by simply obtaining a username and password by various methods and in other cases, an SMTP server is used to send spam en masse. * Location or **GPS**: Many companies were encouraged to launch location-based authentication methods, especially for accessing wireless devices located in homes, although it has also been seen how inside the premises a smartphone will not require a fingerprint or pin. These GPS signals are spoofed and gain access. * Those focused on **connections**: Based on usage under any protocol, there are IP-focused smurfing techniques, entries via DNS names or those centered on routers by spoofing ARP. * **Web page** spoofing: It could be confused with phishing but its strength lies in the hidden redirection to proxy-like pages that either request information or introduce a virus. These types of techniques end up with a clear purpose: accessing a user service without the owner's consent. The financial gain after the usurpation is the reason why it takes place, either to carry out a scam or to carry out covert operations. **Impersonation is the fastest-growing crime worldwide**, far ahead of the most notorious crimes. Its rise is due to the democratization of the Internet and the push of users towards online shopping. The **crime of impersonation is criminalized in virtually every state in the world**, with a place in **criminal codes**. The fact itself is already a crime, but what carries more sanction or penalty is the action carried out afterward: **stealing money, obtaining private information**, etc. Computer forensic experts work to obtain evidence of what happened with as much traceability as possible. Thanks to **end-to-end digital solutions and the implementation by companies of identity checks throughout the customer journey, this is fully verifiable and probable with traceability sealed by a trusted partner**. ## **Identity theft in banks** Yes, the main target of phishing attacks is **access to banking platforms**. It is undoubtedly the fastest and most feasible way to steal **capital** from a user. After **traditional banking, there are all** [**FinTech**](https://www.tecalis.com/blog/fintech-financial-technology) **and** [**financial services**](https://www.tecalis.com/industries/financial-services) **platforms**, as well as, for example, [**trading and cryptocurrency**](https://www.tecalis.com/industries/crypto-exchanges-trading-forex) accounts.  Why would a usurper want to access your bank? It's clear: to **order transactions on your behalf or to make purchases and authorize payments for** profit. Although thanks to the implementation of the standards required by the [**PDS2**](https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca) standard - [**SCA, Strong Customer Authentication**](https://www.tecalis.com/blog/sca-strong-customer-authentication) - this type of attack has been greatly reduced, hundreds of identity theft attacks still occur daily in banks. The most critical identity theft techniques for accessing financial platforms focus on: * **Identity documentation** (ID card, passport, permits, ID cards...). * **Signature** forgery. * **SIM card duplicate**. * Debit and credit **card cloning.** * Obtaining **PINs**, passwords or access to emails. Fortunately, banks are required to comply with AML regulations and [**Know Your Customer standards**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification). This means that if your bank, financial services or insurance platform has integrated a proper **onboarding solution** and secure KYC-based **user authentication** processes, the risk of identity theft to access your bank account is zero. Now, all entities and companies in the BFSI industry can access **SaaS identity verification and e-signature software** that achieves **zero risk rates** throughout the customer lifecycle. On the other hand, companies in the **telecom industry** that are also integrating **KYC** into their processes have **completely eliminated any possibility** of sim swapping. Regarding **ATMs**, although not yet widespread, it is already possible to integrate **identity verification with facial biometrics of KYC controls** in them for access, making it impossible to withdraw cash having duplicated a credit card and obtaining its PIN. ## **How to avoid impersonation** The main security controls must be established by the banks, platforms or websites we use. According to recent studies, **73% of users indicate that they take into account the IT security of a platform or bank** when deciding to become a customer or user. Therefore, if during the registration process we are required to verify our identity with official documents and make a video of our face - especially assisted by artificial intelligence -, we can rest assured that the security implemented is of a high level. Similarly, after registration and for authentication and access, **if the credentials and authentication factors are based on that first registration** (request for facial biometrics and other **2FA controls**) the login process is virtually impassable to any attacker who wishes to impersonate our identity. Beyond the typical advice on **choosing complex** and strong **passwords or pins**, the best option is to **properly configure two-step authentication or multi-factor verification.** ## **How do I report if I have been a victim of spoofing?** Many users wonder what to do if phishing has occurred. **You should always report it.** Many believe that the expenses derived from the report will be more expensive than the actual recovery of the lost money, but this is not the case. The first thing to do is to **contact your financial institution or banking platform, submitting the report and providing all possible information and evidence**. Many of them already have software that allows you to trace all the activity, which will help in the case and provide more evidence and information. In addition, if the transaction has been promptly communicated to you via [**certified communication**](https://www.tecalis.com/products/certified-communication), there are reversible operations in certain periods of time, so it may not be too late to recover what was stolen. The penalties for identity theft range from one month to four years. It all depends on factors such as how much damage was done to the victim, whether there is recidivist behavior and the amounts stolen or swindled. Lately there is a lot of talk about scams and usurpations around the instant messaging tool WhatsApp, however, there is no difference in terms of complaints, it is a medium just like any other. --- ## Fraud prevention in 2025: Solutions, services and software **URL:** https://www.tecalis.com/blog/fraud-prevention-solutions-detection-software-mechanisms-companies-advice-bank-financial-laws-services **Descripción:** Fraud prevention services and software in companies have changed drastically in recent years. Let's look at new solutions and how to detect it. Fraud prevention has taken on **decisive importance** for businesses in recent years. With the rise of digital operations and the increase in crimes such as [**identity theft**](https://www.tecalis.com/blog/identity-theft-digital-online-internet-how-to-security-systems-business), companies have decided to establish [**risk management policies**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects) either because **industry regulation obliges them to** or simply to avoid having to deal with the **consequences of an attack aimed at their security or that of their users and customers**. The losses caused by these criminal acts, which occur on an occasional basis and **generate large costs,** range from **intangible** losses **in terms of image, reputation and the ability to obtain new customers and retain current ones**, to the payment of severe financial penalties. ## **What is fraud prevention?** Fraud prevention is the **modification of business processes in such a way that they contain tools and systems with techniques** capable of **deterring fraudsters** or **integrating controls that paralyze a fraud attempt before it can occur or create consequences**. In other words, it is the business discipline dedicated to establishing plans and guidelines to ensure that fraud does not occur both internally and externally within the company. While the concept of fraud prevention has **generally** been associated **with the banking sector and financial institutions**, this area **applies to all industries**. Especially now that all businesses operate online, no one is safe from fraud risks. According to recent studies, the fight against **fraud now accounts for more than 82% of the investment in companies' risk management strategies**. More and more people are trying to commit this crime and are using innovation and cunning to design complex systems to circumvent the security of some businesses. Fortunately, **fraud prevention professionals and companies have created new solutions and applications that keep fraudsters at bay**. ### **Types of fraud** The fraud committed can be **both internal and external**. This differentiates between wrongful acts **committed by employees, suppliers or partners of the company** and those committed by external users (**potential customers, de facto customers or users**) who **in order to commit a crime need to make use of a company's products, services or platforms.** **External frauds are the most common and sensitive**, as there is **less control over users outside** the organization. A good way to avoid internal fraud is to raise employee awareness and create a **culture of accountability with a strong sense of responsibility and a strong sense of the guidelines set out in a code of ethics and conduct** signed by all employees, suppliers or partners. Establishing internal fraud prevention policies is not only a legal obligation in many sectors, but also a way to create a responsible, **conscious and committed** corporate culture. Giving visibility to the CCO (**Chief Compliance Officer**) and conducting ongoing training is a sure way to prevent internal fraud. One of the most common types of internal fraud is the inclusion of old expenses (with 30% of the total fraud in the surveyed companies). These generally do not correspond to a business expense reporting period; limiting or digitizing 100% of their immediate upload is a sure way to avoid their commission.  Submitting the same ticket multiple times or an altered ticket, usually with changes in the amount due to fraudulent alteration stand out as common frauds. This can be easily solved with [**KYB (Know Your Business)**](https://www.tecalis.com/blog/kyb-know-your-business) electronic signature and **OCR** solutions that perform integrity and originality checks in seconds on invoices and other tickets before sending or uploading them to the system. As we have already mentioned, the most common type of **external attackers are those** who commit fraudulent activity through customer-facing platforms. However, there are also other types of fraud such as those that **originate in the incursion into the company's systems through malware, ransomware or spyware**. **Denial-of-service (DoS)** techniques do originate from the use of platforms aimed at potential customers, but their use is not based on single-identity spoofing. In other words, instead of accessing a system as a single user, **thousands of contact form requests** are **launched under false identities** until the business is saturated. ### **Tax fraud: considerations** The prevention of tax fraud is one of the **controls included in the anti-money laundering strategies (AML tools)**. Tax fraud is the **avoidance by a citizen or legal entity of its tax obligations through different mechanisms**. The main mechanism of tax fraud that should be of concern to fraud prevention specialists is the **laundering of capital through the use of the services of a business**. This is where impersonation or the transfer of funds to accounts comes into play, which leads us to take into account the figure of the figure of the **front man**. [**Establishing anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) that comply with regulations such as [**AML6 (Sixth Anti-money Laundering Directive)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) eradicates the possibility of tax fraud by criminals through our business activity. Its classification as a crime is in the penal codes and the rules for companies included in directives such as the aforementioned 6AMLD. All the states have made their national and even regional transposition to their laws of prevention and fight against tax fraud. ## **Fraud detection digital solutions** The steps to follow to establish a fraud prevention strategy range from the **analysis of the company's processes in all phases of the customer journey** \- as well as internal operations - to the implementation of fraud prevention solutions in each of these processes. Today, the best fraud prevention and detection solutions are based on **automated systems with artificial intelligence and machine learning technologies**. Especially in the banking, financial and insurance sectors, [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) policies have radically curbed fraud in these industries. This sector - the BFSI area - has been a pioneer in the implementation of these KYC anti-money laundering systems for two reasons: its connection with **RegTech** players and the **drive of regulators to legislate to force this industry to** transform its processes to create a safer and more secure financial system. However, these systems **have been extended to all sectors of activity** as a star measure to detect and eradicate fraud. The benefits of fraud prevention software are innumerable: from **avoiding the huge costs of dealing with attacks once they have happened to the growth in customers and users due to the improved perception and reputation of being a secure business**. According to recent studies, some businesses take up to 18 months to detect fraud. However, in most cases, **it only takes a few minutes to have to deal with fraud, which can lead to penalties or compensation of tens of thousands of euros or even the** partial or total **stoppage** of the business's activity. According to the Association of Fraud Examiners, a single attack costs on average $145,000 in damages. ## **Prevention and detection solutions** Therefore, betting on the best technology is critical for any business that wants to **grow and be sustainable**. The **diagnosis and improvement of** fraud prevention **programs** must guide the adoption of these automated systems. **Risk assessments** \- part of [**risk management strategies**](https://www.tecalis.com/es/blog/gestion-de-riesgos-que-es-objetivos-financiero-tipos-regulaciones-proyectos-prevencion-laborales-fraude) - are the first step in making decisions about a comprehensive and integrated fraud prevention software. You should start by **designing operational models with a mapping of all the** organization's **processes**, both internal and those involving the thousands of daily customer operations. Once this is done, you can count on **expert RegTech** providers **that offer anti-fraud services and tools in SaaS model that can be implemented in days and that do not condition the future of the company, since they work on a pay-per-use scheme**. From the well-known **KYC identity verification controls**, to the most advanced **onboarding** systems and **strong customer authentication** platforms **that comply with SCA schemes,** the development of predictive models with machine learning is already a reality thanks to **RPA API tools**. An important thing to keep in mind is that any business can integrate it in days. This is not only aimed at large companies and financial institutions but also any SME in any industry can implement it in Deploy&Go format without a large investment. Electronic signatures and certified communication, on the other hand, have helped to resolve fraud-related disputes thanks to full traceability of operations, leaving electronic evidence for any evaluation. ## **Fraud Prevention Act** The prevention of money laundering is one of the central axes around which work is being done to establish legislation in this area. However, there are a **variety of laws that apply to prevent all types of fraud.** The various governments and regulatory bodies are also establishing anti-fraud measures by issuing documents with **guidelines for the reinforcement of** fraud **prevention solutions, detection and correction mechanisms.** Likewise, **whistle-blowing channels and training initiatives** have been opened **for company professionals**. [**PSD2 (Payment Services Directive 2)**](https://www.tecalis.com/es/blog/psd2-normativa-directiva-que-es-pagos-ley-online-internet-empresas-sca) and its **SCA (Strong Customer Authentication)** standard are mandatory European directives that have completely transformed the security and fraud prevention measures applied by online businesses. The older **eIDAS** established at the time a secure framework in which companies and consumers can operate away from attacks and fraud attempts. Regarding the specific law for the prevention of tax fraud in Spain, for example, the last update was approved in July 2021. It highlights its section on investment instruments that now begins to put focus on trading platforms and cryptocurrencies as well as its last part in which a package of measures is developed that includes mandatory compliance with the anti-fraud prevention manual for companies in sectors such as gambling. --- ## Simple Electronic Signature: features, uses and solutions **URL:** https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation **Descripción:** The Simple Electronic Signature is a digital method of accepting terms and concluding contracts that meets a set of specific requirements for eIDAS. The **simple electronic signature is one of the three types of digital signature proposed under the eIDAS regulation**. This digitized method of **reaffirming consent to the content of an electronic document (contract, agreement, acceptance of conditions, etc.**) has become more widespread in recent years. However, it is necessary to take into account the keys to its use so that **we apply it in the right circumstances**. Most electronic signature operations are still not being done properly: some use methods that are too lightweight and do not provide the sufficient level of legal backing necessary for the operation being filmed, while others go too far in **requiring a type of electronic signature that is not the most appropriate for** the **use case.**  Let's see then, how simple electronic signatures are made and in which situations their use is recommended. ## **What is a simple electronic signature?** The definition of simple electronic signature is used by the companies that use it to differentiate it from [**advanced electronic signature**](https://www.tecalis.com/es/blog/firma-electronica-avanzada-soluciones-empresas-que-es-ley) **and qualified electronic signature**. The latter two methods are properly included in [**eIDAS (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/es/blog/eidas-electronic-identification-trust-services) and include a series of very specific cryptographic and security standards. That is to say, the term "simple electronic signature" is not included in this regulation, but it does mention the concept of "electronic signature". We can therefore speak of a **simple electronic signature as data in digital format connected with others of the same type and logically associated to sign a file or document**. This means that there is no specific security standard that indicates how **these two pieces of information** should **be associated: those that identify a natural or legal person and others that contain the information being validated by one or more parties**. Here, the electronic evidence is very limited, as there is no requirement of any kind. The **security of this will depend on the** simple **electronic signature provider, application or software.** It has the ability to decide what it means by simple electronic signature and what kind of security controls and technical operations it adds to the signature to support it. ## **Characteristics, types and advantages** This type of digital signature is **very simple and fast**. It requires simple technology and little time from the signing user and the applicant of the signature because they do not have to perform [**advanced identity verification processes**](https://www.tecalis.com/es/blog/verificacion-de-identidad). It is generally used to accept the content of documents and low-risk contracts but does not identify the signing parties beyond the **graph (graphic signature) that can be inserted into a digital document as if it were an image**. Sometimes some **metadata** is included**,** but in a basic form and without taking into account the characteristics proposed by eIDAS or the national regulations of the different markets in which these signature processes take place. ### **Regulation, support and legal support** If we find ourselves in a court case or any type of dispute that must be resolved with regard to the operation contained in a simple electronic signature, it is practically impossible to **prove that the person who signed the document is the legitimate owner and the one who made the graph contained in it. In a court of law, it is not considered to have advanced legal validity**. ### **Simple electronic signature steps** The document signature method in this type of application goes through a **series of very simple steps that must be carried out from the moment the document is uploaded to the platform by the person who drafted it until it is finally signed by the person to whom it has been sent.** In a standard simple electronic signature solution, the process usually runs as follows: 1. You upload the document or file you want to be signed to the electronic signature software platform or to your own system with API integration. 2. Enter the telephone number or e-mail address where you want to send the signature request. 3. Once delivered, the recipient opens the link to the platform from their preferred device with internet connection (mobile, tablet, computer...). It is not necessary to install any software, it is done from a web browser. 4. The recipient checks the electronic content sent and, if he/she agrees, signs either with a touch screen or using a mouse. 5. On some occasions, it may be requested that a photocopy or image of attached documentation be attached to the document, either identity documents (ID card, passport, driving license...) or other supporting documents such as invoices, pay slips or any other type of additional documentation. Solutions such as Tecalis include OCR and KYC for the process as an option. 6. The applicant receives the signed document back. 7. For added validity, some solutions extend the backup by requesting security authentication via an OTP by SMS or email. After this, the requester can download a copy of the **audit** or backup **document** that attempts to establish minimum guidelines for an electronic evidence trail. This is not common in simple electronic signature solutions, but as a general rule applications include it anyway.  This provides a higher level of legal support for the challenge of the signature in a dispute process. For a higher level, the advanced electronic signature or even the biometric advanced electronic signature must be used, both of which have full legal validity. ## **Simple electronic signature use cases and success stories** Simple electronic signatures are useful in many circumstances where **low-risk agreements are being** signed **or to sign off events without much legal implication**. What's more, the integration of simple electronic signatures under these types of transactions is sometimes even simpler: it can be automated without the need for  Thanks to the intelligent integration of digital signature systems in company tools and applications, it is now possible, for example, to sign an employee's clocking-in with a simple signature without the need to constantly create a network. If it has been previously defined, it will do it only once, then, **just by authenticating, you can automate simple electronic signatures for dozens of uses**. Some of the use cases where it does make sense to use simple electronic signatures are: * Acceptance of the terms of use of a platform, product or service. * Approval and request for working vacations in companies of all types. * Employee records: time of departure, entry and breaks. * Parcel deliveries, collection and signature of delivery notes or receipts. * Firms in the hotel sector where products are rented for a specific period of time in tourist locations and experiences. ## **Electronic signature solutions**  The **simple electronic signature (FES)** can also be understood as a certificate but transferred to the signature of documents or files online. Some providers of simple electronic signature solutions also call it a Simple Digital Certificate, although it seems to be more of a marketing name than something that really has legal meaning and effect as we have seen above. On some occasions the person may be **asked to access the simple electronic signature procedure by entering a piece of information that only he/she should know, such as a password or his/her identity document number**. Although it provides a certain level of identification, it is quite low and does not meet the requirements of the advanced electronic signature at all. Let's remember that it is only a digitalized signature inserted in a coherent way in an electronic document or file. With respect to a non-digitized signature, of course it has much more validity, since it does include some data that can identify and that we mentioned above. In addition, it **avoids the possibility of loss and the creation of forged copies is much more difficult**. For companies, the use of simple electronic signature solutions brings dozens of benefits from the **optimization of all processes related to employees, delivery notes with suppliers and registrations to the use as standard by the logistics sections**. The cost savings are enormous, since the physical storage space for documents is completely eliminated and the use of paper, printers, inks and stamps is avoided.  Travel and the risk of loss disappear completely, increasing the company's image as a digital business committed to sustainability and environmental impact. It helps employees to focus on important tasks by automating the entire back-office and dozens of bureaucratic and administrative processes. On the other hand, thanks to the electronic signature, many more agreements can be signed in half the time, increasing the number of customers, their satisfaction and creating automated email deliveries without having to create them with each new signature request. --- ## Qualified Electronic Signature (QES) for business **URL:** https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies **Descripción:** What is the qualified electronic signature QES: a legal digital signature method created with recognized devices in public and private key certificates. The qualified electronic signature is a type of **digital certificate associated with the content of a document, usually in text format**. It is used to **accept what is indicated in these documents attached to the identification data of a signatory**. Its meaning and origin is based on the **European Union Regulation 910/2014**. This method stands out among those for the exercise of electronic signatures due to its **complexity and high level of recognition by public institutions**. Although it may not be the most suitable for certain types of operations, qualified electronic signatures are capable of offering the most demanding regulatory support.  Many **businesses** have started to ask themselves whether or not they should make the leap to a qualified signature solution. The answer is never the same, as it **depends on the sector** they belong to, the **type of operations** to be carried out, the **context** of these operations and the general **risk profile** around these aspects. ## **What is a qualified electronic signature?** The **qualified electronic signature is one of the different types** of electronic certificates that are associated with digital documentation, as set out in the [**eIDAS regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services). It is known by its acronym **QES (Qualified Electronic Signature)** and contains essential information to identify the owner of the signature with a series of sensitive data. These data are: * Full **name**. * Governmental **identity documentation**. * The **keys** that only allow the owner of the key to use it. * **Encryption** algorithms that unlock the signature for use and display. * **Time stamp** (with expiry date). * Information on the **qualified** body or **firm that issued** the signature. All this information is **linked and stamped to the content to be approved, denied, accepted or rejected**, be it a contract, an agreement or the provision of consents. The qualified electronic signature must be issued by a **Qualified Certification Authority**. This means that Qualified Signature Creation Devices (QSCD) must be used to issue these certificates. In this way, the qualified signature is able to **confirm** \- without any doubt and with **electronic evidence of** the highest level - the **authorship of an** individual or collective **will** given for a **given declaration** and contained in a series of electronic data. This **exchange of data results in** an electronically signed, **unalterable** document with a **legitimate** interest. ## **Characteristics, types and advantages** We could say that there is an ascending order in electronic signature standards: **simple, advanced and qualified**. While the simple electronic signature is the mere inclusion of the image of a handwritten signature in a digital document, the [**advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) must comply with a series of very specific requirements that, like the qualified electronic signature, grant legal validity to the signing process and digital traceability of what has taken place (with identity data sealed to the content). However, and despite what many might think, the **advanced signature is emerging as the most versatile and complete method**, far from the often unnecessary complexity of the qualified signature. The latter is especially relevant for procedures with public administrations but not so interesting for B2C and B2B environments. The qualified signature needs qualified devices to perform the issuance. These are generally **cryptographic cards** (**such as the electronic ID card in the European Union for** example) or **cryptographic USBs**. This presents some difficulty as well as security breaches as they can be stolen or lost. To use them, the chosen or given key must be used, but sometimes some criminals use methods to find them. That is why **HSM servers** are emerging as the solution. ### **Centralized qualified electronic signature** eIDAS has contemplated the use of **servers based on the latest cryptographic techniques** to generate and - more importantly - **store** the qualified certificates that allow documents to be digitally signed. The fact that they are stored in the cloud solves the problem of loss or theft that we have been mentioning, and the providers offering this solution guarantee really high security measures.  **Thus, qualified** [**electronic signature platforms**](https://www.tecalis.com/products/electronic-signature) **can be accessed at any time and in any place** to generate certificates without problems with private keys. These unique and supervised repositories are particularly suitable for organizations with different types of certificates. ### **Regulation, support and legality** Qualified electronic signatures are often treated as counterparts or substitutes for traditional handwritten signatures. However, digitizing the signature of documents does not merely embody a digital transposition of a traditional process, but adds an extra layer of legal validity by providing **more data, information and evidence than most physical signatures**. electronic IDentification, Authentication and trust Services, the eIDAS regulation was approved in the European Union to **establish a framework for trust services and secure electronic transactions**. However, this regulation, which is already law in all the states of the region, has been taken as a reference to establish the legal and technical standards for the exercise of digital signatures throughout the world. In other words, **complying with eIDAS means practically complying with any digital signature regulation in any state, country or region of the world**. Other standards such as [**AML6**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) and [**PSD2**](https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca) join eIDAS in the goal of creating an economic and social ecosystem where digital transactions have a concrete set of standards that **guarantee technical security and legal recognition in court in case of dispute**. Businesses around the world can now sell online and operate in any marketplace if they comply with these standards without additional investment. The endorsement of the standards is so high that in many regions it is forbidden to require digital signature models higher than the qualified electronic signature by law. Its standards are **XAdES, CAdES and PAdES**, which were defined by the European Telecommunications Standards Institute. ## **Use cases and success stories of qualified e-signatures** Integrating qualified e-signature systems in enterprises was costly and complex a few years ago. Now, however, thanks to scalable SaaS platforms for [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) and user identity verification, companies can be up and running in days without impacting their systems or IT teams.  The development of customisable software by disruptive startups has resulted in **API** and webhook **systems** with simple calls that users do not notice as they are **fully integrated into the customer journey**. **Qualified Trust Services Providers (TSPs)** with **RegTech** specialization across all industries are advising and integrating these tools in record time for businesses to get the best possible time-to-market and improve conversion of their customer acquisition and engagement processes. This is especially notable in industries such as banking, insurance, FinTech and WealthTech. ## **Electronic signature solutions** As mentioned above, electronic signature solutions focus on uniquely linking the data to the signatory in such a way that they cannot be modified. In the event of a subsequent modification, this must be detectable and traceable. The technology behind these systems **has been in use for years, and beyond providing security, these solutions have brought countless benefits to companies**. From huge **savings in materials and space to improved productivity in administration departments**, e-signatures have reinvented the way users and businesses interact and contract. There is no longer any risk of loss and the signed contract is automatically valid in front of a judge for all that it entails. With a legal effect equivalent to a handwritten signature, **it is no longer necessary for the customer to go to a commercial office or shop to sign a contract and purchase products and services or to finalize any kind of sensitive transaction**. The difference between advanced and qualified electronic signatures lies in the digital certificate created by the Certification Authority. This is useful for public administrations (B2G) but in B2C and B2B models the advanced electronic signature is more than enough. Currently, some electronic signatures such as Tecalis Signature offer the possibility of **carrying out a KYC (Know Your Customer) process linked to the advanced electronic signature**, which provides an extreme guarantee and **enables onboarding and instant contracting for processes as delicate as opening a bank account**. For business-to-business processes, **Know Your Business** has started to be used alongside the electronic signature in the same flow. --- ## Digital customer identification: online verification **URL:** https://www.tecalis.com/blog/digital-identification-digital-verification-online-identity-online-customers-businesses **Descripción:** Today, digital identity is verified on online sites. Identifying customers to provide services and products remotely is easy and secure. Identity verification is an indispensable step in order to **establish relationships in the economy and in society**. This process has traditionally been carried out in a simple way with the face-to-face delivery of identity documentation or the personification in a commercial office as proof of life. However, the expectations and needs of new consumers have led companies to propose remote models in which **both administrative procedures and new registrations and contracts** can be carried out over the **Internet**. Without the person in question in front of the commercial agent who is going to manage this purchase of products or contracting of services, it is a priori easy to commit [**identity fraud**](https://www.tecalis.com/blog/identity-theft-bank-crime-usurpation-penalty-digital-types-what-is-risk-internet-theft-accounts-spoofing). As a result, startups have emerged that provide anti-fraud tools to companies wishing to operate online, enabling secure digital ecosystems so that companies and customers can meet on the network and take advantage of all the benefits provided by this means of communication and interaction. ## **A paradigm shift** Can you imagine taking your car - if you have one - and driving around and around a city looking for properties for sale or rent? This was the reality of the real estate industry decades ago, but now at the click of a button we can find hundreds or thousands of properties in a simple real estate portal. And it is clear to us that no one wants to give this up.  Today's user demands immediacy and **24/7 on-demand services**. **Operating remotely** should be the norm for them, although they clearly continue to demand physical spaces where they can resolve face-to-face queries. The average consumer uses at least two different devices to access the Internet to make purchases or carry out any type of transaction or other commercial operations. Thanks to the evolution of [**more secure identity verification technologies**](https://www.tecalis.com/products/identity-verification), it is now **convenient, fast and secure to operate remotely**. What's more, frauds such as sim swapping are now more prevalent in physical stores and commercial locations, as many telecommunications companies have these digital identification tools in their online systems. In this way, some have even opted to **integrate digital identity verification systems into their physical locations**, as they **relieve sales agents of the task** of **collecting and storing identity documentation** and other information, as well as carrying out **exhaustive anti-fraud checks on them**. ## **Identification vs. authentication: meaning and uses** Identity verification is the **process by which a person communicates who he or she is, and provides proof of this, and this information is analyzed to confirm** with exhaustive methods that it is true and legitimate. This is done prior to **sensitive procedures such as opening a bank account**, and **signing a contract such as insurance or contracting services**. In the online [**identity verification process**](https://www.tecalis.com/blog/identity-verification), image-based technologies and data interpretation through officialized standards are used to corroborate identity. The **digital identification process generally occurs only once**, when the **user is registered in the system through the** [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) models. With this, the **new customer is registered in the organization's database along with his personal data and proof of identification**. Once this is done, **credentials are generated** to prove that it is him without the need to provide so many proofs. [**Authentication**](https://www.tecalis.com/es/blog/autenticacion-que-es-autentificacion-proceso-metodos-sistemas-seguridad-verificacion-funciona) is the process by which a user proves that he is who he claims to be. In other words, the **difference between authentication and identification lies in the provision of evidence and intent**. In the online identity verification process, we want to present ourselves to an organization for the first time by communicating who we are, whereas, **in authentication, the system already knows us and must confirm that we are the same person who performed the onboarding** and identity verification **process at the time.** In this way, people access their customer or user accounts to manage their products and services or make use of them. The credentials with which they access can be one or several. In multi-factor authentication strategies, various mechanisms are used to confirm the identity of the person requesting access. There are standards such as [**SCA (Strong Customer Authentication)**](https://www.tecalis.com/blog/authentication-what-is-process-methods-systems-security-verification-works) **that use traits confirmed during the online identity verification process** as an authentication factor. ## **Verifying the digital identity of online subjects** Digital identity verification occurs when two or more parties who are not present in the same physical location wish to conduct a joint operation or transaction remotely. Given the risks faced by individuals and companies when operating over the Internet, such as identity theft and other methods of fraud, it is crucial to have systems in place to ensure that the organization or person we are dealing with remotely is the one we want to deal with. In addition, beyond security and trust between the parties to proceed to operate, the provision of identity documentation is necessary for certain actions. What systems are companies using to verify the identity of their potential customers and be able to register them? ### **Customers: Know Your Customer (KYC)** The [**KYC process**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) **is the standard for performing identity checks when** initiating a [**customer onboarding**](https://www.tecalis.com/blog/customer-onboarding-what-is). It is a simple process that consists of a series of steps in which the user provides evidence to confirm that they are who they say they are. This evidence is analyzed by automated systems that can surpass the reliability with which a human performs security checks. In the procedure**, identity documents are analyzed, photographs and videos of the client are taken together with this documentation and technical controls are carried out** to check the environment and support from which the client is operating. It is a standardized process that must **comply with a series of requirements set out in the law and regulations of the states** and institutions that regulate the different industries. The use of **facial biometrics, voice recognition systems**, as well as hundreds of environmental and device controls ensure unparalleled security in digital identification processes over the Internet. Operating online is now practically more secure than in person, because in seconds documents that could be falsified are analyzed and the data required to register a customer are collected without the customer having to spend time writing them down character by character. It is especially important in areas such as **FinTech, InsurTech and in general any activity that is likely to involve economic risks**. For this reason, there is a term that always accompanies Know Your Customer: the prevention of money laundering. In certain sectors there are dozens of regulations that set standards to prevent this practice and companies must use KYC systems to meet their **AML** obligations in onboarding processes. ### **Companies: Know Your Business (KYB)** **B2B** businesses deal with other companies on a daily basis. Moreover, in recent years dozens of innovative business models have emerged that **base the core of their activity on interaction with other companies and incorporate hundreds of businesses into their system every day**. Given this, the need has arisen to incorporate Know Your Business platforms to ensure the smooth running of your business. The controls are similar to those of KYC but this time **business documentation and other sensitive information is analyzed**. Due diligence checks can also be added for additional security. The best **dynamic OCR technologies** make it possible to identify digital identities and validate complex documentation in seconds thanks to technological advances in artificial intelligence and machine learning. Even in a dynamic way and without the need to previously select the document to be validated, digital identification platforms. ## **The best digital identity verification systems** Digital identification has evolved by leaps and bounds in recent years. **SaaS systems** have allowed businesses to incorporate these tools into their structure in days with total simplicity and an adjusted price. Unlike costly ad-hoc platform developments by large consulting firms, **RegTech startups are now accompanying leading companies in all sectors of activity as Trust Services Provider to guarantee their activity**. Previously, these costly developments involved projects lasting months or even years, which, moreover, became obsolete in a short period of time. Now, digital identification is carried out on cloud **platforms that are perfectly integrated through APIs in the channels, websites and applications of companies** without the user noticing. In addition, these platforms provide an enhanced experience due to their polished interfaces. Thanks to specialization, knowledge of the flow of steps in these processes results in speed and agility, something that **guarantees conversion**.  Many trusted service providers have also been able to **incorporate electronic signature solutions into their digital identity verification systems** for online contracting in the same process. In this way, we do not have two applications, one to identify customers digitally and another to sign the contract or buy the product. In the same gateway, both processes are performed simultaneously and organically. --- ## KYC Form: Know Your Customer Process Requirements **URL:** https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data **Descripción:** KYC processes are mandatory in the banking, financial and insurance sectors. KYC forms and documents must be validated to comply with their requirements. The KYC process involves **a series of steps to validate data and documentation of a potential customer's identity and other financial information**. "Know your customer" is the standard that must be met by law by those businesses that, given the characteristics of their activity, are exposed to risks related to fraud, money laundering, terrorist financing, and other issues that affect any business related to finance. **The economic activity of users is closely related to the provision of certain products and services. In** particular, those offered by [**banks**](https://www.tecalis.com/industries/banking)**, insurance companies, and other FinTech, InsurTech, and WealthTech business models**. States and governments, both to prevent tax fraud and to create secure environments for companies and customers to interact with each other, have regulated the process and given indications of the documentation and data that KYC forms must request. ## **Know your customer: identity verification in onboarding** One of the most important financial risks has to do with [**identity theft**](https://www.tecalis.com/blog/identity-theft-digital-online-internet-how-to-security-systems-business). This method of fraud is used to open accounts in the name of false persons, front men or other real persons without their authorization. This is used for money laundering and, also through tax engineering, to **avoid tax obligations or to cover up illegal activities**. On the other hand, **identity theft** is an increasingly common practice. Whether through **hacks, phishing techniques or the theft of personal data** using a variety of methods, criminals are using their ingenuity to steal money, carry out fraudulent transactions or buy products with customers' virtual credit cards. **IT security and identity verification systems** are necessary in an increasingly complex and challenging environment. Establishing [**fraud prevention**](https://www.tecalis.com/blog/fraud-prevention-solutions-detection-software-mechanisms-companies-advice-bank-financial-laws-services) **and** [**risk management**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects) policies and **tools** is necessary not only in the financial industries, but an insurance for the sustainability of **any business, regardless of the sector to which it belongs**. Thus, the KYC standard is reaching, for example, the **telecommunications industry** to address SIM Swapping and ensure that new customer registration processes occur with guarantees and total security. Although it may seem that integrating these systems is expensive and costly, thanks to the development of **SaaS** identity verification and electronic signature platforms, businesses of all sizes and characteristics can obtain extreme security and comply with the **most demanding regulatory requirements**.  In large companies, these transformations previously involved change processes that took a long time and affected a large part of the systems infrastructure, as well as having a significant impact on IT teams and budgets due to the need to rely on large consulting firms for their development. Now, the best [**KYC**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) systems can be integrated with simplicity and in a pay-per-use format, **without conditioning the productivity or sustainability of the products or divisions that need to incorporate these technologies**. ## **KYC steps** KYC is part of what is known as the [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) process. This concept **encompasses all the operations necessary to register a user as a customer, register and validate their information, confirm their identity and sign the contracting of products and services**. All these parts must be shown to be legal, and binding, and provide title and access. Thus, [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer) is emerging as a process within a process. **KYC consists of corroborating that the user is who he claims to be**. To this end, the following checks are carried out: * Provision of **identity documentation** (passport, driving license, national identity document, or residence permit). This is done digitally and remotely through any device with an internet connection and camera. Hundreds of checks and anti-fraud tests are performed live to not only collect and store the document but also to verify that it is real and not altered, modified, expired, or forged. * **Proof of life** is provided and cross-referenced with the information obtained from the identity documentation. In this process, generally carried out by streaming video, the user is asked at the same moment to show his face to the camera and make some gestures. This tells us that the user is who he/she claims to be and prevents any kind of attack related to identity theft. The most advanced technologies are fully deepfake-proof and detect the environment to ensure compliance with the highest AML standards. After this, once verified in seconds thanks to the best digital identification platforms, the contracting process is carried out with electronic signature tools. This validates the operation and the opening of the customer account can be done in a few moments. ## **Documentation and information requested on a KYC Form** A KYC form is a document that **gathers all the personal, risk, financial and economic activity data of a future client**. It is a series of questions asked by the financial institution, insurance company, trading platform or any company of which you are going to be a client that generally collects information about the origin of the funds that you are going to deposit in the account. There are KYC forms for individuals and for legal entities. However, in the latter case, we talk more about **Know Your Business (KYB)** and Due Diligence than Know Your Customer. This collection and validation of sensitive information in the KYC form is also called [**CDD (Client Due Diligence)**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced). The information must be collected by law. That is, businesses in the **BFSI** areas **(Banking, Insurance and Financial Services) are obliged** to have this information about their customers. Moreover, it is not only requested during the onboarding processes but updates of this data will be requested from time to time. Failure to do so may result in the bank or financial platform blocking the account and not allowing to operate with the available money. ### **KYC Data Form** The data that make up a complete KYC form is, as a general rule, the following: * **Basic personal data**: Name and surname, date of birth, nationality, residence, email, telephone, and other similar data. Address and in some cases census registration will also be checked. * **Identity documentation**: The tax identification number and (digital) copies of national identity cards and passports as well as checks that the tax address corresponds to the one shown on these documents. Subsequently, questions are asked about periods of residence abroad. * **Questions for risk analysis**: Here a statement is requested as to whether or not the person belongs to PRP (Persons with Public Responsibility) lists. On this, if yes, questions will be asked about the years in office and whether the person is a proxy of a PRP. This is because of anti-corruption rules in many states. In the United States, it is known as FACTA and there are specific models.  * **Financial data**: It must be stated what are the expected annual income levels and what is the origin of the same. Also, questions are asked not about the recurring income but the origin of the funds to be deposited in advance.  * **Employment status**: Basic questions about the client's economic activities, whether he/she is self-employed or employed, the company he/she works for, and the position he/she holds. Also about the professional sector and type of activity. In some cases for credit cards and others, a payslip or proof of income is requested. Sometimes it is also asked if you have tax obligations outside your country of origin. * **Purpose**: In this section, you usually specify the reason why you are going to use these financial services. Saving, investment, expenditure... It is an estimate of the type of operations that are intended to be carried out habitually with this account, such as making transfers abroad. All these data can be integrated within the same KYC audit document, or adapted together and sealed with electronic signatures and qualified certificates in very high-risk models. As a general rule, companies prefer to create their own forms in the interface of their apps and web platforms. They then add the identity validation process. As we have seen previously, **KYC is an operation dedicated to identity verification**. The term "KYC form" is sometimes misused, as, **in reality, all this data is part of AML (Anti Money Laundering) controls** and not KYC itself. ## **KYC in banks, finance, and insurance companies: AML requirements** [**AML (Anti-Money Laundering)**](https://www.tecalis.com/blog/aml-anti-money-laundering) regulations apply in all countries and markets worldwide. Each state has its own AML regulations and the standards are defined by its own public bodies. These often adopt the recommendations of international institutions to develop their own jurisdiction. The [**Sixth Anti-Money Laundering Directive (6AMLD)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) is the AML regulation par excellence not only in the European Union but also worldwide. Due to the advanced nature of its proposal and the fact that it is a cross-border standard, many countries outside Europe have taken it as a reference to create their own laws or update them. On some occasions, we see how recent invoices or direct debit receipts are requested as well as bank statements of previous accounts from where the funds to be added to the new one come from. This serves both as a method of legitimization in addition to KYC identity verification and to determine a risk analysis of the customer's profile. --- ## Multi-factor authentication: secure access solutions **URL:** https://www.tecalis.com/blog/multi-factor-authentication-mfa-multifactor-solutions-system-security-double **Descripción:** Multi-factor Authentication (MFA) is the most secure method for granting users access to their product and service management systems. **Authentication processes** have become increasingly relevant due to the expansion of **online platforms for user access.** In this way, users can use or manage their contracted products and services in a simple and personalized way. These access management systems work in different ways depending on the **configuration chosen by the platform or company**. **Multifactor authentication is presented as the most secure method of granting access**, as it requires the validation of several requirements rather than a single piece of information that can be more easily stolen or supplanted. ## **What is multi-factor authentication MFA?** **MFA**, multi-factor authentication, or multi-factor authentication is a **protocol for user access to platforms based on the delivery and validation of two or more factors that only the specified user can know, possess, be or use**. This involves more complex [**authentication**](https://www.tecalis.com/blog/authentication-what-is-process-methods-systems-security-verification-works) models than the traditional use of username and password. **User identification** is a prerequisite for **online trading**. In an initial registration, an exhaustive [**identity verification**](https://www.tecalis.com/products/identity-verification) process is carried out in which the user presents evidence that legitimizes the operation to be carried out and associates the process with his/her identity. During this initial registration, credentials are generated with which the user can later **access his or her client area**.  The different platforms enabled for customers and users **allow different types of operations to be carried out**: from the use of digital products and services to the modification of contract conditions, cancellation of what has already been contracted, modification of essential data, or registration in new systems. These types of operations involve **different levels of complexity and risk**. Defining authentication policies based on the risk of the operation is ideal for **ensuring security, agility, and expertise**. The latest multi-factor authentication platforms allow companies to implement **dynamic access policies that request different types of authentication factors depending on the operation to be performed**. These systems are also known as **adaptive multifactor authentication**. As we have been saying, the type of operation the user intends to carry out is taken into account, although there are also models in which **contextual information is used to decide to add steps until access is achieved**. For example, if a user tries to log in from a location far away from the one they are used to or from a different device, then an extra factor will be requested or it will be decided to request an inherent authentication factor (if this is not usually requested in the simple process). Other data such as the operating system, IP address, date and time, or consecutive login attempts that fail to provide a PIN or password also serve as indicators for requesting more complex factors and information. ## **MFA Authentication Factors** MFA will always use at least two enabled factors to grant access to a login request. There are different types of factors that base their nature on the basic characteristics of possession, knowledge, or inherence. The following are the different types of authentication factors to consider when establishing multi-factor strategies: * **Biometrics**: the preferred and most popular is the face. **Face** and facial **biometric** verification are currently gaining ground against the fingerprint, which, although widespread, is no longer used by users to the detriment of the face or voice. In many cases, and to provide extra security, facial biometrics is active (i.e. it prompts the user to perform an action such as smiling or making a head movement). These are known as inherent factors, the user is the authentication factor itself. They are the most secure and preferred. * **One-time**: **Passwords and OTP** (One-Time-Password) **codes** are generally sent to mobile devices via push notifications or **SMS**. They can also be sent to **email** via certified communication. They are received on devices and accounts that can only be accessed by the legitimate user and have a limited validity period. * **Knowledge-based Authentication (KBA)** bases its factors on asking the user for information only the user knows. On the one hand, there are basic security questions about information already provided at registration, such as date of birth, the date on which the account was opened for the first time, last digits of a credit card, or indication of the products contracted. In addition, the registration often asks you to answer personal questions such as "who was your history teacher at school" or "the name of your first pet". The traditional username-password and PINs are also considered a KBA factor. * **Possession**: These are the least used due to the risk of loss and because users do not always have them at hand. They include security tokens, cryptographic cards or coordinate cards, other hardware devices such as those with USB, and some items with **NFC technology**. **The combination of two or more of these factors results in a secure multifactor authentication strategy**. As a general rule, two are used, although as we have explained above, **more may be requested if suspicious behavior is detected or if a sensitive procedure is to be carried out**. ## **Differences and similarities with 2FA two-step authentication** If there is one term that commonly appears alongside MFA multi-factor authentication, it is 2FA. [**Two-factor authentication**](https://www.tecalis.com/blog/two-step-authentication-2FA-verification-which-is-account-activate-factors-security-systems-configure-business-second-factor) or **two-step authentication** is the name used to refer to MFA strategies that use only two factors. In other words, the main difference lies in the number of factors to be used. We can safely say that two-factor authentication is a simpler type of two-factor authentication. **While in a policy defined as MFA several are collected and not always the same two are requested, in 2FA models only two specific authentication factors are collected and used**. There is no concrete recommendation or single answer to the question of whether it is more appropriate to use a full multi-factor strategy or a simple two-step authentication model. The decision should be made taking into account **the risk policy of the platform or company**, although if you have a system with a good user experience adding more layers of security (MFA) will not harm agility and will not generate friction in the access and login processes. ## **Best multifactor authentication mechanisms** U2F - Universal Second Factor - security keys and authentication factors based on the **FIDO Alliance** WebAuthn - FIDO2 - standards have been a revolution. However, the method preferred by users is biometrics. While fingerprint is still widespread, especially in mobile applications and web apps in the banking sector, **face authentication (facial biometrics) is still the preferred and most secure option**. It is very important to keep in mind that OTP codes must expire within a short period of time. Temporary identification provides more security than static passwords. Notifications are a good method and QR codes have been used by certain platforms but **inherent in any 2FA or MFA model should always be used**. Consumers of financial services appreciate that the companies they are customers of are taking security to the extreme, as the average user is already alert to a large amount of fraud taking place. SMS phishing is a reality that in recent years has increased and many users have fallen for it, but those who have set up multi-factor authentication have not had any problems in the aftermath. The **ITU (International Telecommunication Union)** always recommends MFA to confirm that the claiming entity is who it claims to be. This applies to processes within organizations (employees and corporate access) and commercial access (customers). MFA is a reality that took off back in 2015 and that organizations such as the Spanish National Security Scheme (Esquema Nacional de Seguridad) oblige both public institutions and organizations and private companies to implement. ## **Multi-factor authentication based on KYC standards** Undoubtedly, **the best possible** [**multi-factor authentication system**](https://www.tecalis.com/products/authentication) **is one that uses factors based on a** successful and validated [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) **process.** This standard is recognized by regulations in more than 100 countries and territories worldwide and is mandatory for certain industries. Identity verification using **AML and KYC controls can be used to generate the credentials for** subsequent access to the platforms. This not only ensures compliance with the requirements of regulators in most markets but also applies the highest level of security for online and remote user identification. Doing this allows you to streamline regulated transactions without requiring subsequent authentications from users. That is, a user who authenticates to log in to your banking platform with two authentication factors - one of them based on KYC facial biometrics and another one an OTP, for example - will not have to enter another factor again if they wish to perform a high-risk transaction at a later time. ## **Advantages and benefits of MFA** Companies that have integrated MFA controls into their login and access processes have experienced **improved user perception**. Security is one of the main reasons why users choose to use a company's service over its competitors, and platforms with secure access systems have experienced an increase in users and transaction volume. Online identity fraud is becoming an increasing concern and the number of attackers is rising sharply as the range of online services and the ability to operate remotely increases. **Risk reduction** is also positioned as one of the main beneficial results of implementing multifactor authentication. Spending on mitigating risks that have ended up as completed fraud attempts has plummeted, in addition to avoiding problems with regulators and compensation payments to affected users. For example, such pressing risks that have caused so many penalties for companies in the telecommunications sector, such as **Sim Swapping**, **have completely disappeared.** On the other hand, the use of biometric factors and password-free solutions have encouraged users. The experience is now much more agile and faster, in addition to solving the problem of forgetting. When the credential is you, you don't need to remember it or use a boring password manager. ### **Multi-factor authentication is required by law.** In many industries and sectors implementing MFA multifactor authentication systems is mandatory. Some National and international standards require its use in areas such as **banking, insurance,** and other businesses related to the **financial sector**. For any FinTech, InsurTech, or WealthTech platform, it is essential to have access gateways with MFA controls to develop its activity according to the regulations and with a security that does not complicate it. The approval of the European directive [**PSD2 (Payment Services Directive 2)**](https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca) brought about a radical change in the way transactions are carried out on digital platforms throughout the European Union economy. And beyond Europe, the standards and requirements set out in this regulation have been used by many states around the world to draft their AML laws and sectoral regulations that govern how companies, businesses, and institutions in these industries should operate. The most relevant introduction of PSD2 was the [**SCA (Strong Customer Authentication)**](https://www.tecalis.com/blog/sca-strong-customer-authentication) standard, which sets the rules by which users must be granted access to their platforms, products, and services over the Internet. This system indicates that **multi-factor authentication models must be integrated for both login and transaction authorization**. --- ## What are trust service providers and how do they work? **URL:** https://www.tecalis.com/blog/trust-service-provider-electronic-services-trusted-third-party-tsp-qualified-ttp-parties-digital-mediator-list **Descripción:** Trusted service providers and trusted third parties are RegTech companies and organizations dedicated to certifying and legally supporting transactions. **Trusted service providers and third parties act in a variety of ways** to enable companies and users to interact in **secure, reliable, and optimized digital environments**. These players have transformed the way in which online operations take place and their activity is based on the standards set by both national and international regulators in terms of **IT security, supporting high-risk processes,** and **electronic transactions**. Acting as a third party, these e-service providers **ensure** that the remote and online recording of activity has been **performed under appropriate technical and regulatory standards.** ## **What is a Trust Service Provider (TSP)?** A **trust service provider** is a company or business that **verifies the identity of users, customers or businesses and approves electronic signature operations through the issuance and storage of digital certificates**. They are also called **Trust Service Providers (TSP)** and the rules that mark their recognition as such are contained in the European eIDAS directive on electronic transactions. To fully understand the context of these indispensable players in the digital ecosystem and in the 21st-century economy, we must approach the concept of "**trust service**". This is a digital service offered to certain specialized companies and includes operations such as the creation and certification of **electronic signatures, time stamps, or certified shipments through electronic channels**. For these trust services to be considered **qualified**, they must be **recognized by the national and international institutions that set the requirements and standards for digital transactions**. Certificates obtained through the use of [**qualified electronic signatures**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies) and applied to online transactions are considered qualified. Likewise, the application of **identity verification** processes **with** updated [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer) **standards** makes the certification services of qualified trust providers. Qualified Trust Service Providers (**QTSPs**) are able to perform comprehensive identity checks on company processes. Whether it is **opening a bank account through a bank's app** or **taking out a home insurance or telephone tariff electronically**, qualified trust service providers support the company offering their services through **intermediary technology applied to their specific use cases** and ensure a secure environment in which to operate so that **users cannot fall victim to crimes such as** identity **theft** or money laundering. ### **Qualified Certification Authorities** Trust service providers are also referred to as **qualified certification authorities**. Companies operating over the Internet in the **EU and Switzerland** need these regulated [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) services to be able to carry out transactions such as contracting, registration, and registration with users, as well as to give their existing customers the possibility to become autonomous in the management and use of products and services over the network. **There is no single way to provide qualified trust services.** The regulations allow you to choose one of the **four regulatory options to** make the process safe and secure: the **physical presence** of an agent authorized by the company, remotely through the use of **QES** (Qualified Signature), online through **KYC** identity verification according to the standards set by eIDAS or by other **authorized methods equivalent** to the first three at a technical and security level. The **issuance of digital certificates** that seal these operations is not the only trust service provided by these specialists. The storage of these certificates and their recognition for subsequent management falls within the standards set by the regulation. **Authentication** on websites with **SCA (Strong Customer Authentication)** standards is also included and is a great advantage in terms of user experience.  Now, **credentials** can be obtained **based on the mandatory identification that occurred at discharge**. This allows users to log into online platforms easily with facial biometrics systems, the method preferred by most. We can find a double benefit here: **improved agility and user experience** on the one hand and **much more robust, supported, and enabling access** on the other. **Qualified electronic seals** are also being used to improve the traceability of operations carried out by users, certifying each action and ensuring optimal compliance with regulations thanks to the **complete electronic evidence they provide**. ## **Definition of Trusted Third Party** There has been confusion about the differences and similarities between the terms "trusted third party" and "digital trust service provider". The former was the first exponent of the **creation of a secure ecosystem in which users and companies can operate with security and legal backing**, and the latter came to reaffirm and extend everything achieved by its predecessor. A **trusted third party** is a **mediator** that acts as a **repository** for activities carried out between two parties, usually an individual and a company in the purchase and sale of products and services. This subject is recognized by national laws prior to eIDAS, such as the Spanish Law on Information Society Services and Electronic Commerce, and was designed to make electronic commerce, which was beginning to take off in the early 2000s, more secure. **Trusted third parties** are those that **hold documentation and verification certificates for a period of at least 5 years**. Their task is to attest that a process has been carried out in accordance with appropriate standards and in terms of fairness. As an **independent and impartial neutral node**, it is particularly relevant in the activities of industries, sectors, and areas such as the financial sector, insurance, public administration, human resources, or B2B operations. All **declarations of intent in digital format** are stored and support the contracts and agreements that have been produced. In this way, the impartial trusted third party or a trusted third party provides legal certainty to any transaction or agreement. Although they can be both public and private entities or institutions, the vast majority correspond to specialized RegTech partners. The term trusted third party changed **in 2014 following the adoption of the eIDAS regulation** and came to be referred to as the current **digital trusted service provider**. The acronym for trusted third parties used to be **TTP (Trusted Third Party)**. Although, as we indicated, the trusted third-party concept is no longer officially recognized as such, it is still widely used in sectors such as banking or real estate. ### **Third-party by interposition** Building the proofs and electronic evidence through **interposed witnesses that are part of the transaction gives better support regarding the traceability of the** operations that occurred and avoids any kind of subsequent modifications. Only the best RegTech partners such as Tecalis can also be defined as third parties by interposition. **A third-party intermediary is a trust service provider that ensures rigorous compliance with the most comprehensive IT security standards.** There are many methods by which qualified electronic signatures and other types of certificates can be generated but not all have the same robustness. Digital storage must include secure connections and **SSL (Secure Socket Layer), SOAP (Simple Object Access Protocol), and OASIS (Organization for the Advancement of Structured Information Standards)** protocols. The most experienced experts know how storage and archiving should be done beyond simple hosting on secure servers. The generation of certificates is generally done through **PKIs (Public Key Infrastructure)**, which gives a plus of interoperability and integrity to the infrastructure through encryption with unique keys for the platform's users. The use of **XAdES, XAdES-XL, or PKCS#7** electronic signature standards is included in **eIDAS** and the **LSSICE**. The use of trust service providers and third parties by interposition that use them is a great guarantee of quality. It is important to bear in mind that certificate validation must be generated independently of the issuing certification authority. This is done through **OCSP (Online Certificate Status Protocol) and CRL (Certificate Revocation List)** query services. In this way, we can speak of **distributed proof by interposition by having time stamps on each of the operations and steps carried out in the total of an onboarding or electronic signature process**, avoiding subsequent manipulations in each phase. The hashing of each transaction and its validation with backing equivalent to that of a notarial process makes it possible to distribute the proof matrix along workflows in different phases in Tecalis systems, with repetitions stored and traced. This makes it possible to provide the **highest level of evidentiary capacity**. ### **Providing security and legal backing** In any case, this type of more solvent player always acts from an expert perspective**, offering many more services beyond those included in the regulation**. Having a trusted third-party partner or qualified service provider **is not only mandatory to be able to operate online in most industries but insurance for the sustainability of the core activities of a business**.  Acting as a Time-Stamping Authority **(TSA)** allows the integration of this system in each of the operations of a company in an automated and agile way. This is especially relevant in **contracting** processes**, operations with suppliers or registrations, and new customer registrations**. ## **RegTech: Electronic certificates and digital mediators** Trust e-services go beyond the mere implementation of qualified certificates. Now, **innovative RegTech startups** have positioned themselves as **technology transformation partners to large and small companies around the world**. From **RPA** services to holistic **customer acquisition** systems, they offer services of many types and proprietary technology to **enable the creation of today's business models**. ### **Electronic signature** Digital e-signature platforms have enabled small businesses to become market leaders thanks to the great **scalability that the solution has brought**. From **automating tasks for human resources teams to the transaction-based launch of signature requests for the procurement of new products**, e-signatures have proven to be a must-have for any business in the 21st century. Digital signature platforms should not just be single-purpose apps, but **dynamic contracting and negotiation centers** with all the specific functionalities that can leverage this technology to grow a business. Addressing business use cases across industries and integrating them with the company's systems and activity is a must. ### **Communication and certified electronic delivery** **Electronic communications and certified deliveries** are a complicated challenge in many companies and organizations, while in others **they manage to create modern and adapted business models**. These types of qualified deliveries through digital channels must be taken care of and treated with the utmost rigor in industries such as **insurance, telecommunications, finance, and in general any area of utilities**. The role of a qualified trust service provider is not only in the issuance and creation of digital certificates but also in the provision of technology to its customers so that they can facilitate the exercise of the business activity. ## **Identity verification: KYC and anti-fraud controls** Not all trust service providers are integrating digital transposition solutions of the Know Your Customer process such as [**eKYC (electronic Know Your Customer)**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer) together with electronic signature processes. It is important to understand that KYC must also be carried out digitally and with the utmost rigor, avoiding subsequent transfers of the customer to a face-to-face location after [**onboarding or online registration**](https://www.tecalis.com/blog/digital-onboarding-customers-employees). [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) is emerging as a process that is recognized by eIDAS and the most demanding AML standards and enables transactions to be carried out that could not otherwise take place. Authentication is also key to the day-to-day running of a business and must be performed in a qualified manner. This is achieved through the **generation of credentials based on the qualified certificates issued during the KYC process at onboarding**. ## **Regulation and legality of digital trust** The legal perspective of the implementation and regulation of digital trust services is seen **both nationally and internationally**. While the European Union is leading the way, the rest of the world's countries apply similar rules, which in most occasions become counterparts.  The [**Sixth Anti-Money Laundering Directive (6AMLD)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation), **eIDAS, PSD2, SCA** and the other EU [**AML (Anti-Money Laundering)**](https://www.tecalis.com/blog/aml-anti-money-laundering) accompanying measures are the international benchmark for understanding the role of trusted electronic service providers in the global economy. ### **eIDAS (Electronic Identification, Authentication, and Trust Services)** The eIDAS regulation sets the rules for electronic identification and trust services for secure electronic transactions in the EU internal market and repeals Directive 1999/93/EC. With its approval, a common market of more than 500 million users has been established, to whom products and services can be offered securely over the Internet without the need for physical presence in all markets. In other words, businesses from anywhere in the world can now establish themselves in all markets in 27 countries easily and without major investment. In addition, the **Swiss ZertES electronic signature standards** are compatible with those of eIDAS, with its federal law being a counterpart. This regulation 910/2014 of the European Parliament establishes all the standards with which these players must comply in order to be considered as a qualified trust electronic service provider and a third party. Ensuring that the **electronic signature, contracting, certified communication and authentication** solutions that we are going to hire for our business and integrate throughout the company comply comprehensively with this regulation must be a priority. ### **LSSI** As we have seen above, the technical standards to which trust electronic service providers must adhere are very specific and are included in regulations such as the **LSSI (Information Society Services Law)** in countries such as Spain. Even so, the most recent **Law 6/2020, regulating certain aspects of electronic trust services,** has taken important steps to implement concepts assumed by eIDAS at the international level. This law then repeals the obsolete Law 59/2003 (Electronic Signature Law). The **legal basis** on which trust e-services and third-party activities are based is changing as regulations are updated and expanded. Therefore, it is important to have RegTech partners close to the **Certification Authority (CA)** institution so that the solution the company is using always complies with the latest standards and regulatory requirements. ### **Listings of trust service providers** States and certain national and international public bodies publish lists of trusted e-service providers on which to rely when selecting a player. Access to these lists can be obtained through communications with the administration or by consulting directly with the appropriate RegTechs partners. --- ## Identity fraud. Data storage and verification **URL:** https://www.tecalis.com/blog/identity-fraud-usurpation-protection-companies-systems-prevention-antifraud-identification-security-theft-data-scam-types **Descripción:** Identity fraud is becoming increasingly common. Both the average user and businesses must protect themselves to avoid serious consequences. **Identity fraud** is the **first crime committed online**. Usurping a person's identity has different purposes such as **stealing sensitive information** with which **to carry out operations in their name**, especially those related to their **bank accounts or other types of payments**. This [**identity theft**](https://www.tecalis.com/blog/identity-theft-digital-online-internet-how-to-security-systems-business) makes the victim vulnerable, leaving them exposed to hundreds or thousands of attackers on the internet. The problem increases when **this information is shared in forums**, on the deep web or even on the dark web, which can be a really dangerous risk. Reports have skyrocketed in recent years and both users and companies are becoming aware of this. **Businesses and their web platforms are** beginning to impose a stricter **IT security culture** for two reasons: the passing of **regulations and laws that force companies to comply with certain cybersecurity standards** and anti-fraud controls, as well as the ease with which RegTech players are providing their clients to quickly implement affordable solutions that fully mitigate these types of risks. ## **What is Identity Fraud?** Identity fraud is a **method of impersonation whereby one person impersonates another**, usually with **illicit intentions**. This concept encompasses many types of fraud since once the offender can identify himself as the victim, he can carry out various operations and transactions, from those on private platforms and companies to procedures with administrations and public entities. This fact is collected by most jurisdictions of the countries as a [**crime of identity theft**](https://www.tecalis.com/blog/identity-theft-bank-crime-usurpation-penalty-digital-types-what-is-risk-internet-theft-accounts-spoofing). It is classified as **very serious and its protection by the states** has been increasing over the years. We are not only talking about the penalties and sanctions imposed on those who perpetrate these criminal acts, but also about the fact that more and more **rules and standards that must be applied when carrying out activities in society are being approved**. In particular, the **banking** sector**, insurance companies, and any business related to financial services and monetary transactions** are more subject than the rest to comply with **fraud prevention rules**. Regulators in these industries have been working for decades to standardize the mechanisms that prevent these types of activities. **However, more recently**, national and **international regulations have been approved that apply to all sectors of the economy**, markets, and industries. This has driven the **adoption of MFA systems by providers of digital products and services such as streaming platforms** for audiovisual content, online sales of video games, music on demand, or apps for the **real estate** sector **(buying and selling, renting, or investing in housing).** ## **What is the most common form of identity fraud?** There are many forms and types of identity fraud. All of them are notable for their differences in the methods used to steal the identity data of the person who will be the victim of this fraudulent attack. Obtaining sensitive information may seem easier than it looks, especially if the **attackers have the resources to create websites or emails that mimic those of the platforms we operate with**. **Spoofing** makes use of hacking techniques that require a little more knowledge on the part of the attackers. The use of **DNS, ARP, and IPs** are really complex, but some experts are able to break their protocols. **Phishing** is much more known and widespread. As we were saying, it is very common to receive an email from our bank telling us to enter our credentials. If we have enabled multifactor authentication on our platforms, there will not be too much of a problem, although we always have to identify aspects such as the domain of the email we have received or the different graphic design of the email. **Spear phishing and cloning phishing** prevent us from detecting this type of attack, however if our bank or platform has **anti-fraud controls based on biometrics or KYC controls it** will not be a problem. Finally, we are going to highlight **pharming**. This way of obtaining confidential information **redirects to official websites but installs viruses, malware, and Trojans using fraudulent DNS** to obtain the information by inserting it in a superficial layer of blocks inserted in our browser. It is one of the most dangerous forms of attack aimed at committing identity fraud but it does **not have biometric controls nor is it able to detect the anti-fraud systems proposed by SaaS platforms for** [**identity verification**](https://www.tecalis.com/products/identity-verification) **and electronic signature, which connect the hardware directly to the validation platform** and cannot replicate an OCR scanner for documentation, for example. ### **Types of Identity Fraud** In the case of categorization to understand the types of fraud that can take place, we can divide them into the following blocks: * **Financial fraud**: Refers to any intentional attack with the aim of **extracting money or stealing bank accounts**. It also includes investment accounts in [**trading platforms or cryptocurrency exchanges. In the latter, the integration of KYC**](https://www.tecalis.com/es/blog/criptomonedas-kyc-cripto-exchanges-criptos-aml-criptodivisas-crypto-cryptos) has meant a radical change regarding its support, security, and perception by society and new potential customers. All banks, FinTechs, and other players in the financial sector are required by law to comply with **AML policies**, which in turn influences security. On the other hand, the adoption of payment directives such as **PSD2** has built a safer global financial ecosystem with guaranteed transactions. We no longer have to worry about unauthorized transfers, loan or credit applications by others, or online credit card purchases as customers of those companies that have implemented it. * **Criminal Identity Theft Evasion**: This involves impersonating another person in order to avoid the legal consequences of illegal acts. In other words, a person who has committed a crime does so by identifying himself as the victim in order to avoid prosecution. * **Health insurance and public health**: Surprising as it may seem, there are thousands of cases of identity fraud committed every day around the world in order for a person to receive a medical service for which he/she did not pay or for which he/she was not entitled. Thanks to the most innovative and agile **HealthTech tools**, hospitals and clinics have integrated **electronic signatures and certified communication for the signing of informed consent or the identification of patients on arrival at the centers**. * **Involvement of minors**: Having a dependent child can mean receiving dozens of discounts in the private sector, tax deductions from the public administration, or subsidies and grants. Therefore, obtain the details of this child, specifically the social security number for such purposes. Also, young people who have just turned 18 are targeted by these attackers as they have no other loans, debts, or property, making them potential victims of identity fraud. These 4 types of phishing are all criminal acts depending on the target of the attacker. For more details about the methods used to steal information to impersonate another person, we recommend you to visit our article on the forms of identity theft in the blog section of our [**Knowledge Center**](https://www.tecalis.com/knowledge-center). ## **How to protect your business and your users from hacking** Establishing [**fraud prevention**](https://www.tecalis.com/blog/fraud-prevention-solutions-detection-software-mechanisms-companies-advice-bank-financial-laws-services) **policies and controls** is absolutely necessary for any business with an online presence. As we have been anticipating, the initiative to integrate anti-fraud controls in access platforms has come from the obligation urged by regulations. Even so, there are **many companies that have decided on their own and without having the obligation of a law in their sector to implement it, to choose to establish these systems given the enormous benefits they bring and their current affordability**. The integration of secure access controls with [**multi-factor authentication**](https://www.tecalis.com/blog/multi-factor-authentication-mfa-multifactor-solutions-system-security-double) **(MFA)** models has completely mitigated identity fraud attacks. If a [**two-factor authentication (2FA)**](https://www.tecalis.com/blog/two-step-authentication-2FA-verification-which-is-account-activate-factors-security-systems-configure-business-second-factor) system is chosen, at least one biometric and one inherent authentication factor must be in place to prevent the theft of one of the two. **With this type of access control to the product and service management platforms aimed at our customers, phishing (one of the methods we have analyzed and the most widespread) is totally impracticable.** The **SCA (Strong Customer Authentication)** standard proposed by PSD2 has begun to be implemented in thousands of companies with astonishing ease thanks to today's SaaS technologies. Although the **BFSI** industries **(Banking, Financial Services, and Insurance) have been using the** [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) **process** of **identity verification for years**, it has spread to all areas in recent years, highlighting the case of telecommunications where [**SIM Swapping**](https://www.tecalis.com/blog/sim-swapping) was one of the main challenges to be faced given the large penalties that have led to its oblivion. ## **RegTech as an ally against online identity theft and fraud** [**Risk management**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects) has **become more professional** over time and we now have departments or teams dedicated to this task in most companies. Sometimes it is the **CCO (Chief Compliance Officer)** and their colleagues who are responsible for this function. Having the **necessary tools to automate the adaptation of processes and operations to these technical and legal standards** is now within the reach of any professional in charge of risk management thanks to **RegTech platforms**. The most remarkable in this sense is the ease of integration of these systems, which requires no **effort on the part of IT teams or other departments of the companies**. In addition, RegTech has adapted its products in such a way that they fit perfectly to the needs of **micro-enterprises, SMEs, and large companies alike, as they have a flexible design**. We must take into account the characteristics of these software products in order to choose a solution that fits our clients, the structure of our company, and the demands of the market in which we operate. ## **Easy-to-integrate identity fraud prevention systems** Identity fraud prevention tools have undergone a marked development in recent years. Throughout this article, we have talked about these systems aimed at tackling online fraud. However, phishing and identity theft also take place on a physical level.  These types of **systems can also be integrated into on-site locations (stores, sales offices, branches...)** through a simple device, being available to agents and collaborators on a mobile phone, tablet, or computer with internet access. The **collection and validation of identity documentation delivered in person** can be automated to take just seconds for employees and customers, boosting productivity and reducing storage and material costs, and freeing up time for higher-value tasks. SaaS works in a **pay-per-use** format, so a company does not have to "mortgage" itself to install this type of tool in all its channels (online and offline) and in any department or internal area. In this way, the company can be **scalable by growing in sales and volume of operations without the need for prior investment**. For both customers and employees, businesses have been able to take full advantage of identity verification, document management, electronic signature, and communication or RPA software and completely transform their business model into a more productive, optimized, and secure one. --- ## Digital Identification: Applications by Industry **URL:** https://www.tecalis.com/blog/what-is-electronic-identification-digital-banking-fintech-systems-applications-companies-kyc-onboarding-certificates **Descripción:** Electronic or digital identification is a method of accessing and verifying identity data to conduct transactions and signature or contract processes. **Digital or electronic identification** is the current basis for **online transactions**. Or at least, in theory, it should be. **Transactions regulated through** digital channels and carried out in remote processes must meet a series of technical and legal requirements in order to be **valid** and have regulatory backing. Specifically, there are a number of industries that, due to the nature of their operations and their sector of activity, are more susceptible to regulation. However, this does not necessarily mean that all players in the sector are doing well, and there are even some who are not yet complying with the regulations correctly, exposing themselves to serious **risks and sanctions**.  In the remaining industries that are not required by law to comply with a set of minimum standards, business professionals have taken note and have **proactively begun to implement digital ID solutions to take advantage of all its benefits and advantages**, whether as part of [**risk management**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects) **and** [**fraud prevention**](https://www.tecalis.com/blog/fraud-prevention-solutions-detection-software-mechanisms-companies-advice-bank-financial-laws-services) **policies** or to drive **growth in sales and productivity**. ## **What is digital or electronic identification?** Digital identification is the process of [**verifying the identity**](https://www.tecalis.com/blog/identity-verification) of a subject with electronic techniques. In this way, we confirm that a person or company **is who they say they are without the need to be present at the same location**. In a traditional identification, the user would generally show a commercial agent or employee an **identification document such as a passport, driving license, or national identity card**. The agent verifies that the person appearing in the photograph on the document corresponds to the face of the person handing it over and that he/she will be the holder of the products or services contracted. On the contrary, electronic identification **it is a digital system that performs this verification in an automated and instantaneous way**. It is a necessary step to be able to register a user in a system, offer him services to contract, or carry out any type of commercial transaction. In this way, [**digital customer identification**](https://www.tecalis.com/blog/digital-identification-digital-verification-online-identity-online-customers-businesses) has solved the problems faced by online contracting related to money laundering, money theft, and other types of illicit activities. We also talk about the **digital identification of a business or KYB (Know Your Business)**. This process is increasingly important in the digital economy as the **B2B** area has expanded with thousands of business types that need to register companies as customers, suppliers, partners, or associates. Likewise, it is especially useful when **Due Diligence** needs to be carried out. It also includes a verification of the identity of the UBOs as well as other types of controls on commercial and public documentation of the businesses and their managers or representatives. In either case, the digitization of these processes has brought a series of benefits that far outweigh the minimal costs and non-existent efforts required to implement solutions of this type in any business operation. **Productivity** rates have skyrocketed not only because employees have been relieved of these types of administrative tasks to dedicate their time to other more valuable tasks, but also because **zero error is** now **possible**. The **reliability** of these systems and the **hundreds of controls that are passed in milliseconds on the user, its documentation, and the data it provides** minimize the possibility of fraud, avoiding that a false document does pass the filter of a human and a highly trained system would detect without qualms.  In addition, the instantaneousness of electronic identification and the connection of this with RPA techniques with the rest of the company's systems **allows to instantly register the opening of a bank account or the activation of a credit line.** In the case of [**remote onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees), giving immediate access to the customer platform without waiting **ensures more sign-ups** because the leads are really ready to interact. ## **Digital identification in banking, financial services, and insurance** Banking and related areas were the pioneers in naming digital identification as the [**electronic Know Your Customer (eKYC)**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer) process. Banks, insurance companies, investment firms, and other related companies have been aware of the **KYC** process for decades and have been the first to go digital with this requirement. Banking KYC implements controls of appearance in PEP (Politically Exposed Persons) lists and other public and private databases of sanctioned persons. Along with the digital identification process, the collection of all types of data in what is known as the [**KYC Form**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data) is implemented jointly. This information of a general financial nature is collected and verified both for security and as an obligation by the authorities, including in the regulations for the prevention of money laundering and the financing of terrorism, **present in the legislation of most countries and in international standards such as the** [**FATF-GAFI recommendations**](http://v). ## **KYC and AML in digital identification process** It is important to understand that most banks, financial institutions, fintechs, and wealthtechs do **not have a unified identity verification and electronic signature provider**. This complicates the ease of ensuring that electronic identification and contract signing have been done at the same time and under the same user. While it may be working correctly and in compliance with regulations, **unifying signature and KYC into one process reduces risk, streamlines processes, reduces costs, and minimizes user time, as well as ensuring instant account activation**. Sealing the KYC form, its identity verification process, and the signing of the contract in the same package and with the same provider is the current trend for the most innovative banks and fintechs, something that is providing them with great benefits in terms of acquisition and conversion as well as a competitive advantage over the competition. ### **Regulatory framework for electronic identification** The norms and standards that mark electronic identification are defined in the international standard [**eIDAS (electronic IDentification, Authentication, and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services). This European regulation has meant a before and after in digital transactions and has allowed both businesses and users to see **their online operations supported with full guarantees** and legal validity, providing security and validity to both parties. The eIDAS regulation is **mandatory in all European Union countries** and has emerged as the worldwide **reference from which other states outside the EU have developed their digital transaction frameworks**. This being the most extensive and comprehensive, complying with it means ensuring compliance with the regulations of other regions. The already-designed [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2) has worked on the so-called **digital identity wallet** to make electronic identification even easier and more secure. This involves the use of a single system in which [**trusted e-service providers**](https://www.tecalis.com/blog/trust-service-provider-electronic-services-trusted-third-party-tsp-qualified-ttp-parties-digital-mediator-list) make use of a single digital identity document to verify users. ## **Systems related to digital identity: Certificates and electronic signatures** Currently, the online authentication of users is done through **electronic certificates** that allow digital identification. They are especially used by the public administration to carry out administrative or tax procedures, however, in the private sector, the [**advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) is chosen as a truly secure and versatile method. **This standard complies with eIDAS and has full evidentiary validity in case of dispute in any court.** These certificates are unified in the [**QES electronic signature**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies) processes to seal the operations performed under the most exhaustively secure technical standards, preventing any alteration of digital contracts or electronic transactions. Currently, the use of electronic certificates in digital identification is safe and works properly, however, opting for the integration of KYC processes at the time of the transaction is a guarantee of success and security.  This brings great benefits as the use of previously issued electronic certificates by users is still absolutely a minority, in addition to the fact that those who make use of them highlight their complexity and sometimes incompatibility with many platforms. The most modern and updated digital and electronic identification KYC systems are able to provide the same support and recognition in less time, ensuring 100% real-time identification, unlike an issued certificate that may have been stolen along with its keys. ## **Impact on all industries** As we have been anticipating, the pioneers in the use of digital identification were professionals in the BFSI areas (Banking, Financial Services, and Insurance). However, electronic identity verification has reached all industries and is driving all businesses that have implemented it. Some stand out, such as **telecommunications,** with solutions now possible for the **self-activation of mobile lines remotely** and solving major problems in the sector, such as **SIM Swapping**. Also, in the booming areas of **renting and carsharing,** sales have increased - especially in the latter - due to the nature of the business and its acquisition at street level through mobile devices. The **tourism and hospitality industries** have successfully implemented **online check-in** solutions, reducing time and giving greater autonomy to **guests and travelers**. Meanwhile, the **metaverse** can now be a plausible and secure reality thanks to the integration of digital identification KYC controls in their access and onboarding systems, **supporting operations and transactions within these virtual worlds**. --- ## 3 KYC Challenges: UX, Regulation and Unified Contracts **URL:** https://www.tecalis.com/blog/challenges-kyc-2023-2024-know-your-customer-know-your-customer-companies-fintech-aml-electronic-signatures **Descripción:** Some industries are facing challenges with the Know Your Customer (KYC) process due to UX, regulatory updates, and unified contracting processes. **KYC** is an old acquaintance of **banking, financial services, and** insurance **companies.** This process of **identity verification and documentation validation** has changed over the years to conform to both **new regulations** and laws as well as the technical standards of the **new channels in which customers engage**. However, Know Your Customer - now digitized as [**eKYC**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer) \- is **present in all industries and sectors** of activity, enabling **new business models** and giving possibilities to generate **new use cases** that were not feasible before.  We are experiencing a second phase in the digital transformation of businesses: we are no longer talking about digitizing processes since 87% of businesses already successfully completed their transformation processes years ago. However, we are seeing an **absolute paradigm shift in how these tools and technologies used by companies work and how they are integrated into their structures**. **SaaS** models and **AI-driven** intelligent applications are now accessible to everyone at a low cost. **KYC**, on the other hand, has evolved enormously in recent years, with a **great generational leap between the first batches of these systems and the latest ones**. What are the challenges they face and how have they been solved? Let's find out briefly. ## **Know Your Customer (KYC) news** Projects to develop systems from scratch on demand for a company have become completely obsolete. The emergence of innovative startups that have gathered insights from industry leaders to develop **proprietary technologies** has reshaped the way KYC is delivered to the companies that need it. Today, **KYC is implemented in a virtually instantaneous way** thanks to its **cloud-based** operation and **real-time execution**. **Streaming video identification with active and passive controls** and different **biometric** factors **(face, voice...)** is the specialization of an entire company. These companies are now acting as technology providers for large consulting firms that design digitization processes for high-volume multinationals or as direct sellers of [**onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **systems and holistic platforms that they distribute in Software as a Service or Platform as a Service format**. These players are referred to as **trusted service providers or RegTech partners**, something that allows them to bring together the best of both worlds: a **hyper-specialization** that results in the development of the best possible KYC product, expert knowledge of **legalities** and the ability to design scalable platforms that integrate in days across an organization with little to no impact on its IT teams. ### **Know Your Customer process challenges** However, today we see how many companies, both small and large, have antiquated systems that do not work as expected in today's environment, creating **friction** and not allowing an organization to reach its full potential, especially in terms of **growth possibilities.** Not making the **generational leap** that we mentioned earlier is preventing businesses from obtaining the **benefits and results** that the **new generation of KYC systems** offers. So, what three challenges are businesses facing in order to obtain an **updated and optimized Know Your Customer performance**? ## **1\. User experience** Conversion rates have skyrocketed with the use of the latest KYC tools. **Best practices in UX/UI** and the **design of modern interfaces capable of adapting to the corporate identity** of businesses are examples of good performance of KYC processes. The **overall user experience** during an onboarding process is the **result of the sum of many factors**: * **Require as little information as possible from the user**: This is done by combining the document verification process and extracting the data from there so that the user does not have to type it in, only confirm it. * **Intelligent recognition algorithm**: There is no need for the user to select the document to carry; the new systems are already capable of recognizing any type of document without prior warning. * **Storytellers and best practices in guidance**: Guiding the user through the process with facilities and good explanations is a sure way for everyone, regardless of their characteristics (age, level of digitalization...) to convert. * **Security:** If the user perceives a secure and standardized process, he/she will have confidence in what he/she is doing and will not abandon it. * **Omnichannel: The** possibility of doing it from any device, anywhere, and at any time, as well as being able to resume it in a different one without complications just through a link is a must. ## **2\. Technological robustness** This **second challenge is linked to the previous one in terms of agility**. One of the big problems of most Know Your Customer systems is that of generating **friction due to poor technology**. **OCR techniques that obtain data from identity documents, invoices, receipts, or any other item** must be accurate and reliable.  Forcing the user to **repeat the process over and over again, waiting because the camera does not fit the passport or driving license properly (or because it does not pick it up properly due to glare, lighting conditions, etc.)** always leads to frustration and therefore to high abandonment rates. Having the latest technology and the best-performing AI and ML algorithms that make these systems work is a must in today's environment. ## **3\. Unification with electronic signature** Currently, the vast majority of players have different KYC and [**e-signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) providers, which results in **higher costs for the company and operational complexities that can be avoided**. Unifying it not only solves this challenge but also fits with the first one: the user gets confused when he perceives three different players in the process (the digital signature provider, the KYC systems provider, and the company he wants to be a customer of). ### **Achieving high snapshots** Many of the additional contracting opportunities lost by businesses are due to a **delay between the registration and onboarding process and the customer account activation process**. **Unifying and sealing the Know Your Customer and eForm processes under the same workflow** makes it possible to offer the customer their management platform instantly. If after onboarding the user lands directly on a platform where they can sign up for additional products and services they are **67% more likely to do so then than later**. While this can be offered during the pre-process, many companies do not allow it operationally until KYC and AML checks have been passed, something that is solved with this type of implementation. ## **KYC in banking, financial services and insurance** The **evolution in the publication of regulations** governing the uses of KYC is increasingly directed towards **specialization**. Whereas Know Your Customer was previously devised as a sector-specific terminology (and process) to deal with anti-money laundering laws, **we are increasingly seeing the term integrated into the laws of** many states, regions, and international organizations. It is no longer just a proposed solution in response to a law, but **a regulatory standard in its own right**. This can be seen in recent regulations such as [**AML6 (or 6AMLD)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) that recognize the use of these systems in order to meet their requirements. Likewise, **SCA (Strong Customer Authentication)** standards defined by laws such as [**PSD2 (Payment Services Directive 2)**](https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca) and its local transpositions speak of KYC biometrics as the most secure authentication factor and guarantor within strategies and processes that require the implementation of [**two-factor authentication (2FA)**](https://www.tecalis.com/blog/multi-factor-authentication-mfa-multifactor-solutions-system-security-double). The **scalability** of Know Your Customer solutions is a mantra within the BFSI industries, allowing the latter to be **upgraded in an automated fashion as new standards are released**. This allows companies to distribute their products and services remotely in other compliant markets without the need for any investment.  The best solutions work in all countries and with all types of documentation, highlighting here one of the points we mentioned in the user experience and in the technological robustness of intelligent document recognition, with the same algorithm performing the validations of different documents in any country. This avoids subsequent developments and allows scaling customer acquisition platforms by simply translating the texts and selecting the country and regulations to be complied with. ### **eIDAS 2: KYC rule-changer?** [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2) is the next EU regulation that will redefine KYC in the near future. The progressive implementation of its **digital wallet is going to change the rules of identification and validation of sensitive information by companies**. It is expected that AML standards will be adapted to it and that it will be welcomed by 87% of EU citizens, in addition to its **extension to the rest of the world through cooperation with other systems that are already starting to operate in other countries**. This **electronic identity document** present in the users' digital devices allows instant onboarding without the need for checks. Something similar to the current electronic certificates used to do business with public administrations but with more security and the current KYC standards. **Trusted service providers** will then develop **systems to recognize these identity files present in eIDAS 2-compatible wallets.** Many of them, such as Tecalis, have already done so and will implement it in their customers' onboarding processes without their customers having to do anything. In this way, a state-of-the-art KYC process will be launched for those users who do not have the eIDAS 2 digital wallet and a "digital certificate" recognition for those who do. --- ## Online signature: What is it and how to create one? **URL:** https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf **Descripción:** The online and electronic signature is much more than free signing a PDF through an image file. Creating them properly is essential for their validity. The **online signature of documents** is presented as free on many occasions, something that is really uncertain. **Inserting a png image file into a pdf document cannot be considered an electronic signature**. In order to create an online digital signature, the process must be carried out according to the rules contained in the eIDAS directive, which regulates the technical and legal standards with which the process must comply to be considered an electronic signature. **Businesses use e-signatures** to design streamlined **contracting** processes at **points of sale and sales offices while** also being able to offer a **fully digitized and remote customer sign-up**. The different online signature tools used by businesses have a number of unique features that must be taken into account in order not to bypass **regulatory requirements** and at the same time provide a **quality** customer **experience.** ## **What is an online signature?** **An online signature is a method of accepting the content of a document** by **digital** means and on **web-based** platforms. This process occurs on platforms designed to be able to **send, receive and manage electronic signatures** \- also certified communications in some cases. There are several types of websites and systems, some aimed at individuals and others to be integrated into the operations and activities of companies and businesses. It is important to understand that the online signature that consists in **the insertion of a graph or png image with a "handwritten signature" in a digital document in PDF has no legal validity whatsoever**. Anyone can obtain an image by different means of the signature of an individual and "paste" it in a word, pdf or any other document format. ### **How to sign documents online** The process of [**digitally signing**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) **documents through online channels** is carried out with a few simple basic steps: The creation of the signature request by the sender, the receipt of the sending by the recipient, the exercise of the signature as such, and the storage of this in the systems of the application or the requesting company. [**Trust service providers**](https://www.tecalis.com/blog/trust-service-provider-electronic-services-trusted-third-party-tsp-qualified-ttp-parties-digital-mediator-list) are those **RegTech** partners and **companies in** charge of offering individuals and businesses online signature platforms that comply with all regulatory and technical requirements. All you have to do is access their platforms to set up a submission as detailed in the previous paragraph and the web application will take care of **sealing the content of the document, linking it to the signer's identity information, and preventing its subsequent alteration.** Companies will have dozens of options on their digital signature platforms for **automated, sequential, bulk, with or without attachment of identity documentation to contracts, etc.** In the case of a private user, they can both make signature requests to another user and **upload a PDF document to the platform and sign it with the appropriate technology recognized by law**. However, this method is nothing like - as we have explained - the simple insertion of a PNG. These types of platforms work well as a monthly subscription that includes a package with a number of signatures and specific functionalities or they can simply charge for one use. ### **Use in banking and FinTech** While e-signatures are an essential tool for any business and individual today, there is one area in the economy where they are even more relevant: finance. The **BFSI** industries **(banking, financial services and insurance)** need online signature websites to be able to **sign up new customers over the Internet**. This also applies to areas such as **telecommunications** \- to **contract** mobile, fiber or TV services over the phone - and to **facility services (electricity, gas, water...) for the** same purpose, to be able to offer their products and services remotely. ### **Electronic signature for bank account opening and user registration** However, many of you may have noticed that when contracting a product or service with an electronic signature over the Internet you have to wait to be able to make use of it. We are not referring to the registration of a supply (which does have some steps and bureaucratic procedures to be active), but to those that can be used from minute 1 but that for some reason we cannot **start to enjoy from the moment we sign the contract**. This is because the company is using an online signing platform that does not include **built-in KYC identity verification controls**. Thanks to the emergence of **holistic engagement and signature platforms** designed for this sector, firms can now **verify their client data in real-time and pass AML (Anti-Money Laundering) checks** equivalent to a comprehensive **CDD (Client Due Diligence)** process. The Know Your Customer process can be integrated in a unified way with the online digital signature of documents, without the need to use multiple vendors or different applications. In addition, the best onboarding platforms do not force customers to fill out PDF files in an unintuitive way but connect with the company's systems to integrate them into the **KYC+Signature** process **with greater support and without leaving the main interface of the recruitment website**. ## **Digital certificate to sign** The **digital certificate** is sometimes confused with the concept of an electronic signature. Although they are closely related, they are not the same. The digital or electronic certificate (sometimes key) is **digital data created by a certification authority (or Trusted Third Party)** that **corroborates that the person using it is who he/she claims to be and that his/her identity is equivalent to that of a natural person** registered by an entity or institution by means of a public key. To sign a PDF with an online digital certificate, the signature must be created with electronic means recognized by eIDAS. In other words, those available from trusted electronic service providers. Therefore, **online signature generators that meet these requirements** must be used. ### **Digital signature and recognized types** For an online signature to be valid, it must be linked to electronic data created under the eIDAS standard. There are three types of legally binding online signatures recognized by the regulations: * [**Simple electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation)**:** This type of signature is the simplest of all. It is absolutely fast and agile but lacks evidentiary validity because it does not make an identity check with advanced standards. * [**Advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature)**:** The second standard recognized by eIDAS is the most versatile and complete. In addition, as mentioned above, its implementation together with Know Your Customer makes it the preferred method for both companies and users to contract and to be the online signature tool of reference. It has the full evidentiary capacity and is widely accepted by the average user. * [**Qualified Electronic Signature (QES)**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies)**:** The most complex formula for electronic identification and online signature is used especially by the public administration, which is one of its greatest supporters and promoters. Although it is absolutely secure and 100% recognized, users still find it very difficult to use it, which generates many abandonments and low conversion rates in contracting processes. The European directive on electronic IDentification, Authentication, and trust Services is the reference framework on which online signature applications and websites must be built. In the near future, we will see how the birth of eIDAS 2 - the update of the current regulation in force - will overturn these standards and make it even easier for both private users and companies to use electronic signatures. ## **Free online signature platforms** Not all online signature platforms are the same. As we have seen, there are those that present a type of signature that they are not really offering, because for an electronically signed document to be considered valid and with the denomination of "electronic signature" it must be created and signed online with the guarantees required by the state, sectorial and international regulations that apply to it. On the other hand, within the signature platforms that do comply with the regulation, [**not all of them have the same features**](https://www.tecalis.com/electronic-signature-esignature-contract-negotiation-cycle-infographic). Some are not just online signature web applications but can be seen as the **documentation and management center of a business**. ### **Functionalities and features for digital signatures** The latter help to **solve hundreds of use cases in businesses of all sectors since they have possibilities for scheduling, making signatures according to the activity of a client or commercial agent as** well as acting as a **negotiation platform**, allowing both signatories and applicants to make changes in a document, **editions, additions of files of all kinds (images, videos...),** create **customized templates to be filled in and indexable fields.** ## **Online signature for companies** Integrating and automating signature processes within businesses is easy thanks to agile, secure, and affordable technologies. SaaS (Software as a Service) and Paas (Platform as a Service) have **enabled companies to dispense with large web development projects to simply integrate an online signature tool within hours throughout their organization**.  As we have analyzed, the new high-capacity digital signature solutions can function as centers for managing the activity of a business, **both internally (aimed at employees, suppliers, and others) and externally (with customers and users).** Now, the scalability of these solutions designed by RegTech specialists, allows them to be absolutely simple for **small companies and individuals**, and fully powerful, capable, and functional for large multinational businesses. In addition, these **partners act as digital transformation partners** developing large projects based on these agile tools and technologies [**for the entire customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions). In short, bringing together the best of both worlds with an up-to-date, modern, and resilient perspective. --- ## eSignature and Digital Identification Trends 2025-2027 **URL:** https://www.tecalis.com/blog/trends-signature-electronic-identification-digital-technology-digitization-2023-2024-2025 **Descripción:** The most relevant trends and use cases in each sector for the coming years 2025, 2026, and 2027 will be very different from what we are used to. **All industries have been** undergoing **major changes** recently in terms of their prevailing **trends**, especially in the areas of **electronic signature and identity verification technology**. The integration of these types of tools has led to the creation of new types of use cases and even business models. At Tecalis, we have **reviewed each** and every sector of the economy, and the functional areas of companies and analyzed how these developments have helped companies of all sizes and characteristics to adapt to them. ## **Customer journey: Key processes and operations** The most complete professionals in each industry have been working on **optimizing processes through digitization**. Specifically, those that allow **users and customers** to move forward in the [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions) they have designed from the operations and/or marketing functions.  There are dozens of key use cases for an organization relating to interactions between users and the business. Among them, the following stand out: * **Onboarding**: The processes of **acquiring, registering and signing up new customers** must be taken care of and prioritized as they are the main way for a company to grow. There are two key aspects to value in them: **user experience** and **regulatory compliance**. Whether it is because the regulations of a sector require that **a customer's data and identity be verified in** a certain way or because it is desired to build an agile and comfortable payment or registration gateway to facilitate conversion, [**KYC systems**](https://www.tecalis.com/blog/challenges-kyc-2023-2024-know-your-customer-know-your-customer-companies-fintech-aml-electronic-signatures) have brought great benefits to companies and enabled new ways of obtaining customers.  * **Product and service contracting**: After registration, the contract for the provision of services or the purchase of products must be signed. Integral electronic signature platforms have merged with [**digital and electronic identification**](https://www.tecalis.com/blog/what-is-electronic-identification-digital-banking-fintech-systems-applications-companies-kyc-onboarding-certificates) platforms so that instantaneous registration can take place in sectors such as telecommunications or supplies such as gas, electricity, etc.  * [**Anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) **and risk management**: Going back to the legal requirements that regulators demand from companies, automating compliance with these is now possible. This saves dozens of employees from spending much of their time sending documentation or validating every aspect of an invoice. RegTech partners offer agile and easy-to-integrate solutions that have saved companies a great deal of time and costs, as well as helping with electronic signatures to enable instant sign-ups. * **Authentication and access**: KYC-based access systems have been the trend in recent years. Now, it is possible to log in in a much safer and more secure way without creating friction or complexity for the user. In our free eBook "Trends in Digital Identity and eSignatures 2023-2025 | Use Case Analysis by Industry" **we analyze sector by sector how companies of all sizes have made changes in days to adapt to the needs and demands of users and customers in their markets**. This cross-industry report gathers insights and know-how from experts in each sector not only on their most relevant use cases but also on how these have enabled industries to evolve in one direction and which products are the best sellers or which business models have the best growth forecasts. ### **SaaS and on-premise: The answer to a competitive economy** What is the trend? While many companies opt for tools and applications that they install locally in their structures, others have moved towards a **100% cloud model**. In this trend lies the key to the emergence of many others: adaptability and upgradeability without the need for changes or impact on IT teams. Web platforms are capable of deploying new applications or interfaces without the user perceiving any apparent change. This has led to the emergence of **proctoring** applications **(evaluation and examination systems with guarantees)** in the education sector, both online and on-site, **online check-in** processes **carried out by the guests themselves** in the hotel industry or the eradication of problems related to **SIM swapping for cell phone service providers**. ## **KYC, KYB and Online Signature for internal operations** Beyond the prevailing trends in different markets, within organizations, we can find new ways of structuring business processes and **internal procedures**. On rare occasions, large-scale projects with a strong market pull have failed due to operational **inefficiencies.** Tools and systems based on identity and digital signature technologies **save costs and speed up time**, boosting the **productivity** of organizations and facilitating the creative capabilities of employees, leaving them more time to devote to higher-value tasks: * **Know Your Business**: **B2B** is bigger and more important than ever. **KYB** systems enable businesses to work in real-time onboarding new collaborators, partners, and associates in seconds, validating all types of business documentation, and **extracting data with OCR for processing in a** matter of seconds. This has led to the birth of totally disruptive new business models. Being somewhat more conservative, KYB combined with electronic signatures has also meant a before and after in the **Supply Chain, Operations, and Financial** functions of companies. * **Human Resources and talent**: Building successful **candidate and employee journeys** are easier than ever thanks to the integration of this type of SaaS tools in personnel departments and in consulting and outsourcing companies. Hybrid and full-remote models have positioned themselves as the most demanded by both employees and companies and must take place in secure and safe environments. On the other hand, the **automation of clockings or the sending of reports remotely in businesses dedicated to facility services** or insurance would not be possible without the [**online and electronic signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf). * **Due Diligence**: Similar to KYB but with more controls, due diligence processes are required by regulation in many sectors. It is no longer necessary to hire external auditors and these tasks can be internalized with the simple **execution of the appropriate tools by the** components of the same organization. * **Automation and integrations**: As a general rule, process digitization has come to most companies in the last five years. However, it was not always done in a scalable way that does not result in early obsolescence. The expansion of artificial intelligence and machine learning has resulted in the creation of tools based on these technologies. The soft bots designed by **Robotic Process Automation (RPA)** allow teams with very different characteristics to fully automate repetitive tasks, including those less digitized users. On the other hand, this technology is also giving great results to the most experienced IT teams for almost instantaneous system integrations, connection with those of other suppliers or companies, and even the creation of customized customer service chatbots in just a few hours. Business administration and management professionals have found **certified communication (eFax and electronic notification), document verification, or AI-based tools an ally to create** more complete and modern **BPM** (Business Process Management) **models** that end up building sustainable businesses with great growth and scalability capabilities. ## **Regulatory framework: Automated AML, eIDAS, or PSD2 compliance** We have previously commented on the current need for companies to avoid the million-dollar penalties imposed by regulators for not complying with the standards set by their regulations in business-relevant use cases.  As a great example, **authentication** \- something that we have previously discussed and about which we provide information in the free eBook - is one of the most talked about use cases, especially because we all - as users - have seen how the platforms and companies we are customers of have started to ask us to set up two-factor authentication. This is due to the approval of **regulations such as PSD2, which extends the use of SCA (Strong Client Authentication)** to many types of remote operations and management. There are many companies that have even started to integrate systems that help to comply with this standard without being legally obliged to do so because of the great benefits it entails. eIDAS is the most important digital transaction standard in the world. Despite its European origin, it is the reference standard taken by dozens of states around the world to develop their regulations on **digital trust and digital transactions**. Any company operating on the Internet must meet its requirements if it wants to sell without penalties or even the possibility of closure.  This will soon be updated with a new extension called [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2), which introduces a **digital eWallet system**. Therefore, companies that carry out digital transactions with their users must be prepared for it by integrating upgradable solutions from **approved RegTech (Trust Services Providers) partners**. ## **e-Identity trends for scalability and sustained growth** **Commercial hubs will** have a long way to go in the next two years. This means that companies will be able to avoid resorting to costly and time-consuming developments in order to create **customer acquisition** models**, product sourcing, or supplier management platforms**. The characteristics of **tools based on identity technologies, electronic signatures, automation, biometrics, data processing, or artificial intelligence** must be very clear when we consider opting for any of them. **The creation of efficient commercial networks with sales front-ends adapted to agents in POS, the sending of electronic notifications to support transactions with a customer or the opening of a bank account in seconds** are just some of the relevant use cases analyzed in the content designed to understand the economic and social environment that will arise in the 2023-2025 period. Three out of four businesses will be using end-to-end digital platforms by the end of this period. However, not all of them will be doing so in an adapted and scalable way. Thanks to the new regulatory framework and these technologies, any company can sell its products and services in every country in Europe within hours without needing to have a physical presence there. Taking advantage of these opportunities and seeing regulatory changes or technological progress as a competitive advantage rather than as problems to be solved is within the reach of any business that chooses to be accompanied by a RegTech partner. --- ## GDPR and Electronic Signature Compliance **URL:** https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business **Descripción:** The General Data Protection Regulation - GDPR - can be easily complied with - as well as the LOPD law - thanks to electronic and digital signatures. The **General Data Protection Regulation (GDPR)** marked a turning point in all areas of the economy and society as a whole. The way in which **data** is **collected, processed, and stored by** companies and individuals is now under scrutiny by regulators. This regulation affects **companies, freelancers, or independent professionals** who carry out economic activities on a regular basis. This means that no one can ignore the requirements and standards set by this new regulation. Following this, **trusted e-service providers** have come into play, offering **affordable and scalable** [**RegTech solutions**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) **for automated compliance with** GDPR mandates. ## **What is the General Data Protection Regulation (GDPR)?** The **GDPR - General Data Protection Regulation** \- is the **law approved by the European Parliament** and the Council of the Union which regulates any aspect related to the **processing of personal data of individuals**.  This standard focuses on the **protection of data provided by individuals to other organizations, companies**, institutions, or professionals and how they are used or distributed. Its requirements generally **apply when a subject is in possession of data of citizens or residents** of the European Union, in addition to requesting controls to European companies with respect to the treatment they make of data of non-residents if they have delivered them in European territory and **under a framework of the provision of services or purchase and sale of products** (any commercial or non-payment marketing activity included). The General Data Protection Regulation **came into force on May 24, 2016**, although it was not until the **25th of the same month in 2018** that the **sanctions and fines for not complying with it** comprehensively began. In that two-year period, companies transformed their processes and operations in such a way that they complied with the requirements agreed in the regulation. However - and unfortunately -, even today we cannot say that all organizations and companies are adequately complying with the GDPR. The GDPR **replaced its predecessor, the Data Protection Directive (adopted in 1995)**. With the rise of **online transactions and widespread concern about how** some companies were using their customers' personal data, both this past directive and the **variety of** data protection **rules** in the **various** EU **member states** needed to be updated. Moreover, the new regulation **not only replaces all existing legislation on the protection of personal data, but also expands and extends the rights** of citizens and users over their data and the information they have provided. Moreover, it is even capable of giving users the ability to manage the use of personal data by companies ex post facto, almost immediately. ### **About the Organic Law on Data Protection - LOPD** Although **LOPD - Organic Law on Data Protection** - web searches are still common, the truth is that this **1999 regulation is no longer in force**. If we want to delve deeper into how Spanish legislation was adapted to transfer the GDPR to its legal framework, we must look at the **LOPDGDD (Organic Law on Personal Data Protection and Guarantee of Digital Rights)**. **Just like the rest of the European countries, Spain replaced its own regulations on data protection so that its legal framework would be at least as demanding as the** European General Data Protection Regulation. On December 6, 2018, the **LOPD-GDD** came into force. Thus, with the national transposition of the GDPR by the states, the European regulation was extended to all EU markets and had an impact on all facets of the economy and society. **Data protection agencies even began to provide tools** for companies that process personal data so that they could **analyze the impact of the new regulatory framework according to their characteristics and the nature of their activities**. It is important to understand that **any business, organization, or professional that performs economic activities is susceptible to complying with the requirements of the GDPR** since it affects virtually any activity. Personal contact or billing data, even some as simple as email, first and last name, or telephone number, must be treated with the utmost diligence. However, governments remind that **these self-assessment tools are only indicative** and do not absolutely guarantee that the processes of the business or company are in full compliance with the requirements of the data protection regulation or equivalent national laws. It is therefore advisable to **turn to** [**Trust Services Providers**](https://www.tecalis.com/blog/trust-service-provider-electronic-services-trusted-third-party-tsp-qualified-ttp-parties-digital-mediator-list) **and RegTech specialists** to examine the company's processes together with them, proposing simple tools to automate compliance.  ### **eIDAS, a joint strategy together with GDPR** The European countries have set as a global strategy the creation of an ecosystem that can be considered a **single digital market**. This project aims to create **opportunities and synergies between European players** as well as to facilitate the establishment and investment of other companies in EU territory.  Regulations such as [**AML6 (Sixth Anti-Money Laundering Directive)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) **and eIDAS** \- together with the GDPR - are part of this strategy and contribute to the development of a **homogeneous framework in which users and companies can get the best out of each other.** The [**eIDAS (electronic IDentification, Authentication, and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) Regulation is complemented by the **RGPD and the NIS Directive** (which guarantees a high level of security for networks and information systems) to create a digital framework for secure transactions. This **enables relevant use cases such as the instant opening of bank accounts over the Internet, the contracting of insurance, or the direct debit of utility bills (electricity, water, gas, telephone...)**. ## **Software and applications to protect company data** **Disputes** over companies' treatment of customer data have **increased exponentially in recent years**. **Awareness** on the part of users and awareness campaigns broadcast in the media make it increasingly **difficult for a company to afford not to comply fully with the mandates of the General Data Protection Regulation**. As a result, businesses have begun to rely on **specialized RegTech software** designed to make their processes compliant with the requirements of this regulation. In most cases, it is not merely installable software that helps comply with already established processes, but **businesses integrate tools that solve use cases where the GDPR comes into play**. Regulatory compliance with the regulation is mainly based on **keeping the documentation of clients, employees, and users up to date and in accordance with consent**. A **record of operations (traceability)** must be kept, which must be included in the RATs (Treatment Activity Records). Therefore, [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **and** [**certified communications**](https://www.tecalis.com/products/certified-communication) **tools** are among the most important and complete software for complying with data protection regulations and **at the same time digitizing tasks such as contracting (both commercial and labor) or the acceptance of terms and conditions.** ## **Electronic and digital signature for data protection** One of the key issues in relation to the topic at hand is that of **consent**. A large part of the problems and disputes with customers is about obtaining their **permission for the use of their data in one way or another**.  The **electronic signature (based on eIDAS and compliant with the GDPR)** solves this issue by creating an agile and secure model in which the customer's favor can be obtained through a simple and convenient tool. The customer perceives security by approving their requests or consents through the system of a Trust Services Provider approved by the ministry of the country in question, while companies gain the support they need in the face of possible problems or disputes. **Recording and sealing user activity in compliance with regulations is a legal imperative as well as insurance for business sustainability**. The best advanced and certified electronic signature solutions are able to be launched in the company's applications without the need to install complex programs thanks to their web service approach. **Compliance with the GDPR is now easier and more affordable than ever, both for large corporations and for SMEs or freelancers**. ## **Relevant use cases where to take into account the GDPR** **Data collection and processing** is a standard procedure in all company functions. However, there are certain functional areas that have a heavier workload with respect to these types of issues. Now, with the new data protection standard, we consider many previously non-sensitive data to be protected. **IP addresses, location data or even data defining cultural or social identities** must be treated with the utmost care. What companies do with the **data** and the data itself is much more **controllable by users**, who have seen their rights over the information they have already decided to give up greatly increased, **being able to change their minds at any time and forcing companies to modify these agreements.** This has led to companies having to establish procedures for these situations. Fortunately, as we have seen, **companies can now count on simple tools that facilitate these procedures and that already have standardized models of operation** required by the GDPR.  ### **Human Resources** In the area of talent management and labor relations, there are many issues to consider in relation to **data collection and processing in compliance with the GDPR and the Data Protection Act**. It is crucial for HR and personnel teams to have **e-signature** tools for a wide variety of use cases. **Signing, sending payrolls, signing employment contracts, internships, agreements with trade unions, universities...** Compliance with regulations with an electronic signature solution is crucial for this type of case. ### **Customers and commercial transactions** The General Data Protection Regulation also affects the contracting of third parties that are used to handle data. This makes the companies that collected the data liable if there is misuse by a supplier or third party. This implies great care on the part of **marketing, operations, and sales** departments **and their agencies or professional service providers in the area**. The processes of **contracting products and services**, as well as the collection of information for their activation, must be carried out with care and under the rules of not only general data regulation but also taking into account sectorial regulations. In industries such as **BFSI (Banking, Finance, and Insurance)** where **AML regulations come into play along with data protection regulations**, the sensitivity of these operations and their **level of risk is really high**. For this reason, Know Your Customer tools to validate and verify the veracity of the information and data provided by customers are necessary even beyond their subsequent storage and processing in accordance with the law.  ### **In any industry** As we mentioned at the beginning of this article, beyond human resources and commercial relations - areas where the GDPR has a huge impact - the regulation affects absolutely all industries.  In this way, the three types of actors with respect to data must be taken into account: **data subjects, controllers, and processors**. On this basis, all companies must begin to standardize processes to avoid the penalties and fines involved in not complying strictly with GDPR requirements. Let's remember that the controllers and processors indicated can be anywhere in the world, not necessarily in the EU.  **The right to erasure (right to be forgotten), data portability, governance and information on processing must be complied with under all circumstances**. Fortunately, having the right tools for this will save costs, make the company's activity more agile and gain the trust of our potential customers and current users, which will result in great growth. --- ## Qualified Trust Service Providers. QTSPs and eIDAS **URL:** https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas **Descripción:** QTSP-qualified trust service providers are responsible for validating digital transactions according to the standards of the eIDAS regulation. Qualified Trust Service Providers are those **players recognized and endorsed by the most demanding national and international institutions** in terms of transparency and guarantees of **online transactions**. The evolution of the Internet has boosted the number of remote transactions carried out every day on different websites, which has led to the approval of **new regulations governing their operation**. In previous articles, we have gone into the details of [**Trust Services Providers (TSPs)**](https://www.tecalis.com/blog/trust-service-provider-electronic-services-trusted-third-party-tsp-qualified-ttp-parties-digital-mediator-list) and Trust Third Parties. Next, we will explore what they look like and **what lists comprise those that are considered qualified**. ## **What is a trust service?** The first thing to address is the definition of the concept of "trust services". This term is included in the eIDAS Regulation and refers to **services provided by one entity or company to another in connection with its operations and activities**.  Trust services are the **creation, verification, and validation of electronic signatures, digital time stamps or the storage and processing of electronic certificates** relating to transactions carried out by digital means. To be considered as such, they must comply exhaustively with the requirements of [**eIDAS (electronic IDentification, Authentication, and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), according to article 3.16. In order for a company to be able to use the European Union's digital trustmark in the provision of its services, it must have been thoroughly **examined by various official bodies that endorse its activity.** ## **What are Qualified Trust Service Providers (QTSPs)?** [**Qualified Trust Service Providers (QTSP)**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas) are those players who offer trust services under a framework endorsed by an institution capable of issuing qualified supervision. A supervisory body grants qualifications to each and every transaction carried out by these QTSPs. Similarly, they also **offer authentication services for websites, custody and preservation of digital signatures, electronic seals, and certificates** that are created in the **verification, authentication, and signature processes**.  **Digital identification** is one of the most important points that concern the providers of these services, confirming that the person behind the screen before making an electronic transaction is really who he or she claims to be. For this purpose, onboarding processes are carried out with [**Know Your Customer standards**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data) that in real-time run hundreds of controls on the official identity documents of individuals or legal entities and on themselves (**biometrics of individuals or of the UBOs of the companies to be verified - KYB**). **Contracting** through digital means is done completely remotely with **digital signature applications** thanks to qualified trust service providers, which integrate time stamps with full traceability in the audit reports of a signed document. On the other hand, **electronic notifications - also included in the eIDAS regulation - are sent through QTSPs** so that they have probative value in court, including options such as SMS or **certified email**.  Trust service platforms also offer similar functionalities to those of any **document management system, but with more specific standards based on regulations such as NIS2, the RGPD, and eIDAS**. The collection, processing, and custody of sensitive information such as identity documents and contracts of high-risk operations must be uploaded and stored in digital systems according to very specific requirements. ## **Bodies that regulate QTSPs** Each member state of the European Union has a **certification body designated by the European Commission and the national government in** compliance with the eIDAS regulations. In the case of Spain, for example, **this is the** [**Ministry of Economic Affairs and Digital Transformation**](https://sede.serviciosmin.gob.es/prestadores/paginas/inicio.aspx) as well as different State Secretariats of the Ministry of Industry, Trade, and Tourism (Information Society and Digital Agenda). In most industries, having a Qualified Trust Service Provider is not only of vital importance but also a legal requirement to be able to operate in certain markets and digitally perform medium and high-risk transactions. In particular, the telecommunications industry and **the** [**BFSI**](https://www.tecalis.com/blog/bfsi-banking-financial-services-insurance-sector-industry-companies-market-companies-what-is) **areas (Banking, Financial Services, and Insurance) are required by law to have RegTech partners that are official QTSPs** in order to offer products and services over the internet.  This provides complete and absolute legal certainty for any eventuality since the evidence collected by the QTSP will be used as evidence in any legal proceeding. The reason why **it is necessary to have a RegTech QTSP partner is that only they are qualified to offer qualified trust services, something that is required by regulation to operate** and the only way to give validity and guarantees to the operations that a business carries out on the Internet. Although many players seem to offer trust services (KYC identity verification, AML controls, biometric authentication services, electronic signature contracting...) most of them are not qualified. In other words, most of the companies offering this type of service do not have the validation and backing of institutions, which **invalidates the process at a legal and juridical level, even if it has been carried out in a similar technical manner**. ## **Official lists of qualified trust services providers** **Each member country of the European Union periodically publishes a list of qualified providers of trust services that includes all market players that are endorsed by their government and institutions** for the issuance of qualified certificates and the offer of this type of trust services. This gives validity to electronic signatures or certificates that have been sealed through digital solutions created by these companies and their customers. Although it may seem that there is bureaucracy about how to rely on a qualified trust service provider, the reality is quite the opposite. Thanks to the emergence of technology startups with a SaaS approach, any company can have systems based on qualified trust services in minutes. Similarly, private users can also do so by sending electronic signatures or communications on web platforms approved by the regulators that designate the QTSPs in each country. In Spain, the [**official trust list of qualified providers of trust services (TSL)**](https://sedediatid.mineco.gob.es/Prestadores/Paginas/Inicio.aspx) is public and can be consulted and downloaded through the electronic headquarters of the Ministry of Economic Affairs and Digital Transformation. In addition, free subscription models are provided so that registered users automatically receive a notification when changes occur in this list. This list includes in parts the different types of trust services, qualified or not, offered by those players validated by the national and international institutions that oversee the eIDAS mandate: * Service of issuance of qualified electronic certificates of electronic signature. * Service of issuance of qualified electronic certificates of electronic seal. * Service for issuing qualified electronic certificates for website authentication. * Service of issuance of qualified electronic time stamps. * Qualified certified electronic delivery service. * Qualified service for the validation of qualified electronic signatures. * Qualified service for validation of qualified electronic seals. * Qualified service for the preservation of qualified electronic signatures. * Qualified electronic seal preservation service. * Video identification service in the issuance of qualified certificates. * Issuance services of qualified electronic certificates of electronic seal PSD2. * Services for issuance of qualified electronic certificates for authentication on websites using PSD2 - SCA standards. --- ## Digital Identity in 2025. Systems and applications **URL:** https://www.tecalis.com/blog/digital-identity-what-is-user-internet-print-footprint-reputation-protect-make-management **Descripción:** Electronic or digital identification is a process for accessing and verifying identity data for transactions, signatures, and contracts. **Digital identity** is gaining more and more weight as the years go by. This concept, which was born at the beginning of the century, has gained relevance for two main reasons: the **awareness** of a large part of society about the **privacy of their data** and the **approval of national and international regulations** that regulate the way in which **companies and users interact through digital media.** However, sometimes the concept is a bit ambiguous; being used by some to refer to all the information and data uploaded to different websites, and by others as a **standard with which to** [**identify users**](https://www.tecalis.com/blog/identity-verification-kyc-aml). So, can we say that there is one definition that is more accurate than another? ## **What is digital identity?** The **concept of digital identity** can be seen from two perspectives. The first - and the most common when looking for information on this term - is based on the premise that **it is built gradually**. **As users interact and create profiles** on different websites and portals, they leave a **trace of their activity that identifies them** (the real or physical identity of an online user can be intuited through the information they have left behind). Thus, we can define digital identity as the conglomerate of information and data (in any format: written information, photographs, profiles, addresses...) that has been stored in different places on the Internet. However, **the term to be used for such a description is the digital footprint**.  We can also see how the term **digital reputation** appears in similar searches. Although it is related to the digital footprint, its definition is different. Digital reputation is the **level of prestige, renown, or popularity that a company or individual has on the network**. In other words, if a company has a good digital reputation, it means that the information about it on the Internet is positive and there are good comments about its performance. On the contrary, we would speak of **online** or digital **reputation** problems when there are dozens of negative comments in the different media or networks of the company. It is the image that others have of us based on all the information they have obtained through online media and digital channels. This way of seeing and understanding ourselves on the Internet may or may not correspond to reality, but it has real consequences. As we have seen, there is a lot of confusion regarding the different denominations: digital identity, electronic identity, digital fingerprint, digital certification... Therefore, we must approach the concept of "digital identity" from a more realistic and professionalized perspective. The second premise - and the most accurate - is based on the **creation of encrypted and unalterable digital data that correspond to the identity of a physical person in a digital environment. In** other words, we define digital identity as a **set of concrete, unalterable data created under a standardized process that allows others to distinguish us from others and not confuse us with someone else**. In other words, just as on the physical plane **we are unmistakably distinguished** by our facial features, our tone of voice, our iris, or our DNA, on the digital plane some of these factors can be digitized to recognize us on the web. Unlike the digital fingerprint - where one can lie in the data one leaves and these are spread in a non-standardized way throughout the network - the **digital identity is a static element created specifically to facilitate the** [**identification**](https://www.tecalis.com/blog/what-is-electronic-identification-digital-banking-fintech-systems-applications-companies-kyc-onboarding-certificates) **and** [**authentication**](https://www.tecalis.com/blog/sca-strong-customer-authentication) **of a physical person online**. ## **The use of digital identity: companies and users** Electronic transactions have been increasing exponentially in recent years. The number of users who use the Internet to carry out high-risk transactions is increasing daily. Opting for **trusted environments** has been the path followed by both **regulations and companies and users** to be able to interact remotely with legal guarantees and security. **Digital representation or digital identity** solves many of the challenges that existed in terms of digital transactions. Now, trusting the Internet is much easier if the website or the user has a certification that guarantees that whoever is behind the screen is who they say they are. The concepts of **authentication and authorization** are key to our use of digital identity. The way to protect it is through its validation by trusted third parties, who confirm it and perform [**identity verification checks**](https://www.tecalis.com/products/identity-verification) to ensure that everything is in order. This type of system avoids problems such as **identity theft or impersonation** and generates a guaranteed model that formalizes what has occurred on the digital level. Digital identity is therefore used by companies and users to comply with rules and regulations while providing security and legal support to operations, orders, or purchases made on the Internet or any remote digital channel. Here are a few examples of **relevant use cases where digital identity is essential**: * **Opening an online bank account**. * The sending by a company of a **certified electronic notification** communicating the **termination of the provision of a service or insurance**. * The signing of a **work report or monthly clockings by an employee working remotely**. * The **registration of a new mobile line and its activation via web**. * [**Registration and registration of users (Onboarding)**](https://www.tecalis.com/blog/customer-onboarding-what-is) in any company in the **financial sector (insurance, trading...)**. ## **Regulations governing electronic identity** There are technical aspects that must be taken into account when issuing and using a digital identity. In this sense, **digital certificates or electronic certificates** come into play, being **widely recognized by the most demanding regulations in most markets**. These certificates **include data unequivocally associated with a person or legal entity and have all the legal guarantees** as they are issued by certification authorities and [**Trust Services Providers**](https://www.tecalis.com/blog/trust-service-provider-electronic-services-trusted-third-party-tsp-qualified-ttp-parties-digital-mediator-list) **legitimized** by national and international official bodies. [**eIDAS (electronic IDentification, Authentication, and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) is the main regulation that **governs digital identity in all** European Union **countries** and the directive that national laws of other states take as a reference to develop their own framework given its great proposal. It contains the specifications on which digital certificates must be created and issued. Its future update - **eIDAS 2** \- proposes the creation of a **digital eWallet** system that acts as a means of electronic identification in which the **digital identity will be stored**. Another of the regulations to be highlighted is the **GDPR** (General Data Protection Regulation), which is more closely linked to the concept of digital footprint and reputation that we have seen previously and which gives users greater control over the data they have provided to companies over the Internet.  For its part, **PSD2** (Payments Service Directive 2) and its secure authentication standard **SCA (Strong Customer Authentication)** have supported the idea of a digital identity based on inherent authentication factors by recognizing biometrics as one of the main factors to be used. The **FIDO Alliance** and other bodies support this idea and ensure the proper performance of the use of digital identity by companies and entities. ## **Systems and tools to protect digital identity** We could start by addressing simple tips to protect our digital identity. There are basic protection measures such as avoiding public wifi networks, not communicating to anyone data that only we know such as passwords, pins, or personal data, setting our social network profiles in private, being discreet online and in public, choosing secure passwords with passphrases or accessing secure https websites. However, the greatest care we must take with respect to our digital identity is over the authentication factors that allow us to make use of it. Fortunately, those **systems that use inherent authentication factors such as** [**face biometrics**](https://www.tecalis.com/blog/face-recognition) **or voice recognition are impassable** thanks to their perfect performance today. Due to the development of blockchain, artificial intelligence, and biometrics, digital identities are becoming increasingly secure and sophisticated. **End-to-end platforms such as Tecalis, offer companies and users secure onboarding processes to tackle decisive use cases in the digital economy such as those detailed above.** **KYC (Know Your Customer) workflows** identify users for a process in which corroborating that who is behind a screen is really who they say they are is crucial. These tools make use of **identity documentation validation** models **and anti-fraud controls to record and store the identity of a prospective customer and then offer them a contract signing process**. The **advanced electronic signature with KYC** and the rest of the signatures that use digital certificates to authenticate the user also protect the digital identity. The biometric data collected are impossible to supplant or falsify and thus the operation carried out through the Internet has full validity, security, and support by the economy and society. --- ## Telecom Fraud: Types, Avoidance and Solutions **URL:** https://www.tecalis.com/blog/fraud-telecommunications-telco-telecom-industry-types-prevent-risk-company-sanctions-solutions **Descripción:** The telecom or telco industry faces various types of fraud that can be tackled with simple systems and tools that telcos can integrate in a few hours. Fraud in the telecommunications industry is becoming increasingly common. As the **number of digital transactions increases**, the number of users with internet access through different devices (mobile, PC...) grows and the use of tools such as **VPN** (Virtual Private Network) spreads, **telco companies have seen how attempts to commit fraud through their systems have increased exponentially**. Fortunately, RegTech partners and [**qualified trust e-service providers**](https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas) have devised simple and foolproof solutions that integrate into telecom companies' **risk management and fraud prevention strategies.** ## **Fraud in the telecom sector** [**Telecommunications**](https://www.tecalis.com/industries/telecommunications) are currently one of the fundamental pillars of any advanced economy, involving **economic** and social **activities** with **sensitive and valuable information exchange that enable the dynamism of today's societies, as well as enabling business models based exclusively on digital products**. **Cybercrime** is increasingly noticeable in this area due to the sophistication of the methods used by attackers to commit illicit acts. **Identity theft** and the search for vulnerabilities within the telco sector has been a headache for many players. On the other hand, more and more **financial activities and high-risk transactions are carried out over the Internet or by telephone**. This has led regulators to launch **new regulations requiring** both BFSI (Banking, Financial Services, and Insurance) companies and telcos to **tighten their security controls and incorporate real users with guarantees**. As for how to address fraud in the telecommunications sector, this can be done from two global perspectives:  * The **use of products and services that other customers have contracted** with a telecommunications company to **obtain them without paying for them**. * The use of these, in particular their access to customer platforms, as a means to **impersonate** legitimate users in third parties (for FinTechs, banks, online trading...) and **steal information or money.** * Fraud consisting of the **resale of telecommunications means either to obtain illicit economic benefits or for others to defraud** third-party users without being identified. **Traditionally, large companies in the telecommunications sector bore** the costs of fraud committed by criminals in their systems and structures. Despite being exposed to **severe sanctions from regulators**, their risk management policies addressed them and were integrated into their day-to-day business. Yet these were not the only cost overruns or issues caused by fraud. As a result of this reality, institutions, governments, and regulators have begun to constantly publish **new regulations that determine certain aspects of the activity and processes of these players and are beginning to demand greater responsibilities.**  This has led to a situation where current risk policies are focusing on **a full fraud mitigation model and achieving a zero attack level**, **preventing fraud before it even occurs rather than investing resources in managing its legal or operational consequences**. This has only been possible thanks to the emergence of **SaaS startups that integrate** [**fraud prevention**](https://www.tecalis.com/blog/fraud-prevention-solutions-detection-software-mechanisms-companies-advice-bank-financial-laws-services) **systems and exhaustive controls in all of the telecommunications companies' own and alternative channels**. Until recently, large telcos had to resort to costly technological developments either by putting together huge complex IT teams with not very agile structures or to external consultancies that designed systems that in many cases were already obsolete once they were delivered due to the time needed for their completion. Now, scalable and auto-updating RegTech software allows telcos to get time-to-markets of less than three months to go to market with a robust and capable proposition, both remotely and at on-site locations, while fully mitigating fraud. ## **Types of fraud in the telecommunications industry** Telecommunications fraud is of many different types. We can identify types of **fraud based on the telecommunications network itself**. That is, cybercriminals find loopholes in the network to carry out their attacks. Similarly, we find another series of telco frauds targeting the **physical infrastructure of telecommunications companies, acting on hardware such as SIM cards** and hacking into certain systems. The following is a brief overview of the most important types of telecommunications fraud: ### **1\. Identity fraud (impersonation or theft)** **This category of telco fraud based on identity verification is the hub from which dozens of other types of illicit actions branch out**. Despite the fact that in many countries - e.g. Spain - it is compulsory by law to link each new line registration to a natural or legal person, criminals continue to register new numbers in the name of false persons. We are not only talking about impersonating a customer to illegally enjoy the services and products contracted by the legitimate user (calls, internet, streaming content services, placing orders in the leasing or device sales divisions of the operators themselves...), but also about [**impersonating**](https://www.tecalis.com/blog/identity-theft-bank-crime-usurpation-penalty-digital-types-what-is-risk-internet-theft-accounts-spoofing) **them to commit criminal acts elsewhere.** In this way, we see how this not only affects the telecommunications industry but also impacts other related industries such as BFSI (Banking, Financial Services, and Insurance), as they **use credential validation through the sending of OTPs by SMS to verify the identity of their customers and register new accounts for financial services and products.** Similarly, these codes are used in most online platforms as a second authentication factor. ### **2\. SIM Swapping, prepaid and SIMBox** [**SIM Swapping**](https://www.tecalis.com/blog/sim-swapping) - also known as **SIM theft, SIM swapping, or SIM Jacking** \- consists of duplicating a SIM card by pretending to be its legitimate owner. As we have seen, this fraud is based on the previous one of identity theft, so it is fully remediable if exhaustive controls are established in that direction. The [**new AutoSIM SaaS solutions**](https://www.tecalis.com/use-cases/auto-sim-swapping-activation-duplicate) that many telcos have started to integrate have completely solved this problem while enabling **novel use cases such as instant mobile line activation at airports or sending SIMs to homes allowing users to self-activate them without friction**. In relation to this, we can see other similar types of fraud such as the **abuse of prepaid charging**, mobilizing illegal revenues between SIM cards, or with their duplication through identity theft. **SIM Boxes are devices that store dozens or even hundreds of SIM cards to route traffic and make fraudulent modifications to the operators' metadata**. ### **3\. Deposit and underwriting fraud** This fraud focuses its attention on the **online sales channels** of the different mobile telephone and telecommunications operators. Through these internet channels, either **their own or alternative ones - although it is much more common in the latter** \- **SIM cards** are **purchased with stolen credit cards**. This applies not only to SIM cards but also to other devices such as cell phones, tablets, routers... What does this mean? Companies **not only have to make a refund of fees in the form of a chargeback on many occasions but also lose the product due to the difficulty of tracing the origin**. Blocking legitimate customers with high false positive rates is common in the industry if modern SaaS tools for identity verification and anti-fraud controls are not in place at both online and digital points of sale as well. **Subscription fraud, on the** other hand, is very similar, since it is based on **signing contracts** using fake or stolen IDs and credit cards. Fortunately, **electronic signatures and eIDAS-compliant digital contracting platforms** have completely solved this problem. ### **4\. IRSF - International Revenue Sharing Fraud** This type of IRSF fraud uses **telephone numbers and premium rate lines (premium rates that allow you to make and receive international collect calls)** to call from another - usually a company - so that it pays large amounts per minute as dialed by the premium number.  Also known as **international revenue sharing fraud**, it generates up to a dollar per minute from which about 25 cents is earned and stolen by the fraudster. **One of the methods that are putting an end to this problem is the implementation of** [**Know Your Business KYB**](https://www.tecalis.com/kyb-know-your-business-infographics-overview) **- and also KYC - controls in the registration processes of these types of premium lines**. ### **5\. Phishing and smishing via SMS** Very similar to email fraud, **SMS phishing obtains relevant data such as passwords or similar to impersonate identity on third-party platforms.**  While SMS messaging apps on both Android and iOS mobile devices are able to filter these malicious messages more or less successfully by taking them to spam folders, **tens of thousands of users still fall for these hoaxes every day**. **Verifying the identity of phone users who send bulk SMS messages** is the solution to these problems, and it has been proven that companies in the telecommunications sector have reduced this fraud by incorporating them. ### **6\. Others** In the telecommunications industry, we can find dozens of types of telco fraud. From **Wangiri**, which consists of making **massive hang-up calls so that users call a premium number that acts as a collect number**, to **traffic pumping** \- which manipulates compensation rates through calls to telco networks - we see more and more sophisticated attacks being committed towards or within telephone and internet companies. **BPX hacks**, for example, directly attack cybersecurity and telco systems by using fraudulent IPs to take control of telephone lines through unsecured telephone networks. They connect to external private networks that allow sharing lines as for example is done in central offices. This is generally complementary to the International Revenue Sharing Fraud IRSF. ## **Telco fraud prevention solutions** As we mentioned at the beginning of this article, telcos have begun to **entrust their fraud mitigation activities to technology experts whose core business is the development of affordable, self-updating solutions**. It is no longer necessary to involve telco IT departments to optimize key processes for fraud perpetration by attackers; a barrier system is simply inserted to prevent it. Fortunately, **these systems do not generate any friction in the processes** in which they are integrated, being completely agile and **fully adapted to each use case, channel, and the characteristics of the user** who is carrying out the process. This is crucial for all commercial activity and acquisition campaigns, where zero fraud has been achieved without lowering conversion rates by a single point. ## **Fight against fraud, sanctions, and telecommunications regulation** The **Deploy&Go business hubs proposed by companies such as Tecalis** are not only a tool for telcos to capillary manage their entire network of proprietary and alternative channels, but also enable comprehensive compliance with the most demanding regulations in any market and region. Many companies have easily expanded into other markets by using these tools that allow them to do more business in less time with perfect performance in terms of risk management and fraud avoidance. Complying with data protection regulations - [**GDPR General Data Protection Regulation**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) in Europe - is also of particular importance for companies in the telecommunications sector. Therefore, these platforms that **include collection and validation of identity documentation, as well as custody of contracts signed by electronic signature,** are ideal for this purpose. Reaching zero penalties is already possible because, in addition, the responsibility for any fraud committed will be borne by the RegTech partner. --- ## Automated management software for process optimization **URL:** https://www.tecalis.com/blog/how-to-optimize-processes-enterprise-software-automated-management-business-company **Descripción:** Process optimization in companies is now much easier thanks to automated management software. Forget about monotonous and repetitive tasks. Many times, companies feel that their teams spend hours and hours on **monotonous and repetitive tasks** that do not add much value to the business. This is exhausting and **frustrating for both employees and customers**. Having more time to spend on important and strategic tasks that make a difference is now possible thanks to **SaaS RPA** tools **and scalable cloud software**. In this article, we will see how you can **optimize your business and operational processes (both internal and customer-related)**, as well as customer-related ones, thanks to automated management software. ## **Improving your company's efficiency with automated management software** If there is one thing we all know, it is that being responsible for or owning a business is by no means an easy task, especially when it comes to **SMEs**. In any case, **reducing bureaucracy and transforming processes to make them more agile and faster is the main concern of both small and medium-sized companies and large multinational companies with strong resources**. From the moment our **physical and face-to-face channels** go live, we are constantly looking for ways to improve the efficiency and effectiveness of our systems and actions.  Sometimes it can be complex to find the time to make significant changes to business processes and structures while still dealing with day-to-day administration. However, investing time and resources in this regard is crucial today in order to compete in changing and uncertain markets. The [**digital transformation**](https://www.tecalis.com/blog/digital-transformation) of companies is here to stay, however, not everyone is taking advantage of the benefits of process optimization through digitization with scalable software. Let's take a look at the 5 recommended steps to start incorporating new automated business management software in your business. ### **Identify processes that can be automated** The first step is to analyze your business processes and determine which ones can be automated. For example, if you have a catering or HORECA business, you could automate orders with [**electronic signatures**](https://www.tecalis.com/products/electronic-signature) so that they are automatically processed and sent directly to the supplier in question, signing for their delivery. In the case of an **insurance company or a bank**, remote customer acquisition and **documentation collection** (including **KYC and AML**) can be fully assisted. Next, it's time to define clear and specific goals for the implementation of the automated management software, both short and long-term. For example, you could set goals to reduce the time you spend on management tasks, improve team efficiency or increase customer satisfaction. **These are the main areas where we can count on** automated **management software** to optimize processes: #### **Marketing and sales solutions** Apart from automation software, there are [**customer record softwares**](https://www.holded.com/blog/how-to-create-a-customer-record) that replace the previous complex and obsolete systems. It should not be forgotten that this can be a key tool to keep complete and detailed control of clients, especially in SMEs. Both RPA and sales hubs softwares allow you to start with a free demo, and see if such a solution really improves your processes. These types of tools can help you plan and execute your [**marketing and sales**](https://www.tecalis.com/areas/sales-marketing) strategies more effectively, saving you time and resources.  **You can automate many activities in this regard:** * Mass mailing of e-mails and [**electronic notifications**](https://www.tecalis.com/products/certified-communication) * Customer registration and user registration. * Upload and storage of commercial documentation in compliance with the RGPD. * PSD2 / SCA compliant login and credential generation. * Database segmentation * Chatbots and customer service In addition, these programs allow you to segment your audience and personalize your marketing campaigns to reach the right audience. For example, **if you are a bank that has signed up the customer, you can offer** products related to a certain category, such as insurance or automated financial trading services, **right after the** [**contracting process.**](https://www.tecalis.com/es/ciclo-contratacion-negociacion-firma-electronica-infografia) #### **Billing and accounting** With RPA software, you can say goodbye to tedious manual record-keeping and complex calculations. The software takes care of all that for you, allowing you to spend your time on other important business activities. For example, you can keep track of income and expenses, control inventory, issue invoices, and receive payments, among other things. In addition, **this type of software is very useful when it comes to filing taxes and complying with** your business **tax obligations**, sending self-signed documents by the company's UBOs (Know Your Business). By keeping detailed control of your finances, you can avoid mistakes and reduce the risk of problems with the IRS. #### **Inventory management** Another example of a business management solution is stock control. This is something you won't need if you offer services, but it can be key for you if you sell physical products. For example, **if you have an e-commerce business, you can manage and review product availability in real-time. This is achieved through holistic distribution channel management platforms, both proprietary and alternative. We have good examples of this in the** [**telecommunications sector**](https://www.tecalis.com/industries/telecommunications)**.** In addition, with this resource, you can identify the products that are in demand and those that are not selling. With this, you can make strategic decisions and avoid losing money. Many of them include tariff recommenders according to customer profile, SIM auto-activation to combat SIM Swapping or management of commission programs thanks to this kind of software. ### **Other solutions** We've seen some examples here, but there are many, many more resources for companies. Here are some other possible processes that can be automated: * Purchasing and supplier management. * Sales and customer control (including after-sales). * Employee attendance and payroll management. * Production control and monitoring of industrial processes. * POS (Point of Sale Terminal) in catering and hospitality businesses. * Reservation management in hotels, and apartments, among others. With [**online self-check-in**](https://www.tecalis.com/use-cases/check-in-online-hotels-hospitality) solutions. * Administration of appointments in clinics, doctor's offices, and medical centers. Organization of files and documents in law firms, notary offices, and consultancies with **requests for signature of certified documents and notifications with full legal validity**. * Quality control in food and consumer goods production companies. * [**Human resources**](https://www.tecalis.com/areas/human-resources-talent) management, from recruitment to employee career tracking or the signing of NDAs. ### **Research automated management software** Once the processes that can be automated have been identified, it is important to research automated management software that best suits the company's needs. **Consider some of the following features to choose the right option:** * The software must be intuitive. * It must be integrated with other tools. * It must be customizable according to the company's needs. * It has to be scalable. * It is important to have strong security measures in place. * Good technical support is needed. * Must be able to collect and analyze valuable data. * It has to be integrated with other important tools. * It must be accessible from any device. * Receive regular updates to keep up with the latest trends and technologies. * It must meet the highest standards in any market. In addition to all these features, it is important that the company has the opportunity to test the software before investing in it.  **Many automated management software vendors offer a demo or free trial version.** This allows teams to experiment with the features and functionality of the software before making a purchase decision.  This allows them to see how the software fits their company's specific needs and make sure they are investing in the right solution. ### **3\. Implement the resource efficiently** After choosing automated management software, it's time to implement it in the company and train staff on how to use it. You'll likely encounter resistance at first, but it's worth the leap. Beyond the initial learning curve, if you implement it properly, your team should adapt and even appreciate the new technology. In the end, everyone should gain from an improved process solution. **Here are some tips to start using SaaS software in your company successfully:** * Train your team to efficiently use the automated management software.  * Clearly define the roles and responsibilities of each team member in relation to the use of the automated management software. * Perform extensive testing of the software prior to implementation to ensure that it is working properly and error-free. * Integrate it properly with other systems and applications in your company. * Make sure you have a contingency plan in case of system errors or outages. * Consider hiring an external service provider to assist with implementation and maintenance. ### **4\. Monitor and evaluate the use of the software.** Continually evaluate the software's performance and make adjustments as needed to optimize its effectiveness. You can do this through periodic reports, dashboards, or even regular meetings with your team. Also, **as a compass to guide your progress, it is important to have clear measurement KPIs.** Define the metrics that will help you evaluate the software's performance.  For example, if the software is for sales management, the metrics may be: * Conversion rate of the onboarding process. * Number of new hires. * Response time in sending the documentation. ### **5\. Customize the software for the needs of the company.** In some cases, you may need to adapt the program to your business.  Many management software has **customization** options **for data fields, workflows and dashboards.** For example, if the software is for human resources management, you may need to customize data fields to include information specific to your company. However, remember to maintain a balance between customization and standardization. Otherwise, it could make it difficult to integrate the software with other systems and processes. Finally, keep in mind **that your company's needs may change over time**, so it is important to review and update the customization periodically. ## **Conclusion** As you can see, it is not enough to digitize your business: you will need to do it with a specific methodology. **To optimize your company's processes with automation solutions, remember to follow these tips:** * Recognizes processes that can be automated. * Investigate automated management software alternatives. * Executes the implementation of the chosen management software. * Monitors and evaluates software performance. * Customize the software to fit the needs of the company. With these steps, you can start to sit back and watch technology work for you. Ultimately, this is all along the lines of you investing fewer resources and getting more results. If you do these steps correctly, **you should see a return on investment very soon.** Go automated in your company with identity verification, e-signature, and RPA to achieve excellent compliance and productivity with numbers associated with a digitized enterprise and the long-awaited sustained growth. --- ## Telecoms Sector: Keys & Players to Watch through 2025 **URL:** https://www.tecalis.com/blog/telecom-telecommunications-industry-companies-telecoms-operator-business-area-industry **Descripción:** Telecom companies are competitive and able to offer customized telecom services thanks to SaaS tools such as KYC or e-Signature. The telecom industry faces a number of **challenges**, from **digitally transforming processes** to **fighting** [**telecom fraud**](https://www.tecalis.com/blog/fraud-telecommunications-telco-telecom-industry-types-prevent-risk-company-sanctions-solutions) and creating a **robust offering that matches current trends and customer needs**. In the telecommunications industry, dozens of companies are struggling to compete in markets that are complex and volatile, but also offer great new opportunities.  The following is a brief summary of the current situation in the telecommunications industry and the **key aspects that its operators must take into account in** order to successfully lead this new stage. ## **What is the telecom industry?** The telecom industry is the **set of companies, professionals, and organizations whose activity results in the creation and/or distribution of products and services related to the telecommunications discipline**. The information and knowledge society has meant that companies in the telecom industry have experienced accelerated growth, especially in the last two decades.  As a result, the [**telecommunications industry**](https://www.tecalis.com/industries/telecommunications) has been evolving in terms of **market and competition**, with **major restructuring and systemic changes** taking place in the global ecosystem and its local transpositions. The rise of multimedia content and health situations that have forced **remote operations** for some time have also contributed to making this industry one of the most important in any advanced economy. Convergence with other industries such as the technology/IT and audiovisual industries has led the telecom industry to become a **changing conglomerate that is being recomposed as** social, cultural, and economic **trends change and advance.**  Recently, we have seen how the **diversification** of many important players in the industry has been achieved through convergence with industries other than those mentioned above: **FinTech** and **InsurTech**. The [**BFSI**](https://www.tecalis.com/blog/bfsi-banking-financial-services-insurance-sector-industry-companies-market-companies-what-is) industries **(Banking, Financial Services, and Insurance)** have created great synergies with telecom players to **perform cross-selling with great results or even create new types of products and services** based on this information society perspective. ## **Which companies make up the telecommunications industry?** The players that make up the telecom industry are very varied and have evolved over these two decades of growth. However, we can find **five categories that have remained more or less stable**: * Telecommunications **service providers.** * **Network operators.** * **Users and** content **creators** for communication networks. * **Regulators**, governments, and related institutions. * [**Providers of technology and software**](https://www.tecalis.com/areas/it-operations-digital-transformation) for operators and other telecom players. * **Hardware** manufacturers or suppliers (**industry**, equipment, software, etc.). In the early stages of the industry, network owners were also the operators and distributors, in a monopoly-oligopoly situation with great public state participation. However, this type of situation is now very distant and **we can see how new players freely install their own wired and mobile networks to market their services** and even complement them with the use of third-party networks to reach areas where they are not interested in investing in infrastructure due to their strategy. **Currently, there are all kinds of situations and B2B relationships possible within the** telecommunications industry and its different players in a market halfway between perfect and imperfect competition. Following expansion and liberalization, we have come up against: * **New competitors with disruptive proposals** have forced the traditional ones to make changes in **offers and services**. * The **bargaining power of users** is incipient, and is increasing as they become more informed and increasingly reject advertising and guerrilla marketing, opting instead to be the ones to decide when and how to change telecommunications companies. * The ability of the equipment industry and **telecom software service providers** to be a counterweight in the industry, transforming those who choose them as partners and leaving behind in [**trends**](https://www.tecalis.com/ebooks-whitepapers/trends-digital-identity-digital-esignature-cases-use-cases-industries-2023-2025) those who have not counted on their **now virtually indispensable technologies**. * A great **increase in diversity** not only in common products and services but also through **diversification and convergence** with other industries, especially **BFSI and other** [**utilities**](https://www.tecalis.com/industries/utilities). The president of the Global Association of Mobile Operators and Related Companies (GSMA) said during the Mobile World Congress (MWC) that there is no digital future without the telecom industry.  More than 680 telephony operators that offer remote voice and Internet services to more than five billion users have joined a new initiative called Open Gateway. This project brings together more than a thousand players in the telecommunications industry and proposes the **transformation of networks and channels to become interoperable and programmable platforms through open APIs, with a universal format and a standardized perspective**. This would lead the industry to a new way of understanding telecommunications, boosting the role of **developers** and creators of digital services in all industries and areas.  In this way, **telecom operators and cloud and** [**trust service providers**](https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas) will converge in a broad ecosystem full of synergies. At a global level and as of today, the most relevant operators and telecommunications companies are: * China Mobile * **Vodafone** * Verizon * AT&T * Telefónica ([**Movistar**](https://www.tecalis.com/case-studies/movistar-telefonica)**,** [**O2**](https://www.tecalis.com/case-studies/o2-sim), Virgin Media...) * France Telecom ([**Orange**](https://www.tecalis.com/case-studies/orange-channels), **Simyo...**) * **MásMóvil** Group (**Yoigo**, Pepephone, Lebara, Virgin telecom, Euskaltel...) * NTT (Docomo) * Deutsche Telekom (T-Mobile, T-Online...) * Sprint * America Movil (**Claro**) * Verizon * Xfinity * Spectrum * Etisalat  * Cellnex Telecoms * RCS & RDS (DIGI Mobil) ## **Keys for telecom companies to consider** **Investment in advertising and marketing** in the telecom industry is really high. Due to the expansion of the industry and the rise of the information society, operators have high budgets to **disseminate their value proposition in the markets in which they wish to operate**. Commercial prospecting and new customer acquisition techniques stand out among all the commercial strategies proposed by the various telecommunications operators. However, allocating this **large amount of resources on marketing communication and strengthening sales channels** only makes sense if the most pressing challenges affecting the steps following customer impact with an online or offline visual piece, a call, or a point-of-sale approach are solved. We are going to analyze the key points that players in the telecommunications industry must take into account to ensure that their investments are profitable and fruitful: ### **1\. Anti-fraud and regulatory compliance in telecom** For years, the industry has been **dealing with high penalties** due to lax compliance with certain regulations and standards proposed by the authorities in the different markets. In particular, **European Union** countries**, the United Kingdom, and North America** stand out in this regard. **Identity fraud** is a major concern for operators as well as a major focus for **regulators**. Likewise, all **policies and actions related to data privacy (GDPR in Europe) and information** occupy a large part of the front pages in media related to large penalties to leading players in the industry. One of the major changes that have taken place is the emergence of [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) players in the telecommunications network industry. These technology partners help telecoms to **automate compliance with the most stringent and demanding regulations** by simply **installing a simple cloud system in key processes and operations**, both customer, internal, and supplier-related. In this way, for example, [**SIM Swapping**](https://www.tecalis.com/blog/sim-swapping) has been completely **eliminated in just a few days** and attacks related to identity theft have been reduced to a minimum. And not only that, the result is not only the reduction in the number of attacks but also the **achievement of zero fraud**, avoiding any incursion even if attacks occur thanks to the best systems that integrate [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) without the user perceiving any friction and maximizing the conversion in the processes of new registrations and acquisitions. On the other hand, recent studies have shown that a large proportion of users in the industry are willing to sacrifice price reductions if their cell phone and Internet service provider were to place special emphasis on protecting them and their data. Therefore, the low investment involved ### **Management of a capable telecommunications commercial network** The creation of broad and diversified commercial networks is one of the hallmarks of the new operators adapted to the liberalization of the industry. Present in physical locations **ranging from large shopping malls to small local establishments, including their own stores or pop-up stores** in strategic locations, designing a well-structured plan is the key to success for any expansion or growth project. Thanks to the **Commercial Hubs**, telecoms can now **manage** their entire commercial network - both **in-house and alternative** \- in a productive, efficient, and agile way. With **this type of system**, **sales teams** are provided with all the **necessary tools** to do their work effectively without wasting a single minute on "bureaucracy" and to devote all their time to value-added tasks. This software includes **rate configurators and recommenders, commission program models, and their management for alternative channel POS and contracting systems with** [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **and collection of identity documentation**, among many other functions for proper commercial work at the point of sale. **Store, area,** and market **managers** can see at a glance **real-time statistics on how each point of sale is performing and customer data for each of the sales agents**. This has enabled the telecom industry to achieve perfect time-to-market in a demanding and constantly changing market. ### **3\. Process optimization and time-to-market** One of the keys for emerging operators is the **optimization of operating expenses**. Through the use of the best **digital tools**, new telecom industry players are able to **reduce their costs per operation** exponentially thanks to a new perspective based on **scalability**. The integration of **RPA (Robot Process Automation)** technologies as well as solutions based on **identity, artificial intelligence, and machine learning** has enabled them to minimize costs as much as possible in most areas in order to devote this "surplus" to, for example, investment in their own network infrastructure. **Instant activations** have been a turning point in the telecommunications industry. Systems such as [**AutoSim**](https://www.tecalis.com/use-cases/auto-sim-swapping-activation-duplicate) have enabled a user to autonomously activate their SIM card obtained from an airport vending machine in compliance with the most demanding standards in highly regulated markets. We can observe the same scenario also in **telephone and online sales where the SIM is issued and sent by mail to the verified address of the user who has made the purchase and contracting of the product or service remotely**. This solution is also present in our own and alternative physical points of sale due to the **integration of KYC (Know Your Customer) systems in the Commercial Hubs** that we described in the previous point. With a mixed model, we can see in the different POS that, depending on the market or the decision of the telecommunications operator, a mixed model is chosen (the commercial agent does it on his device for the customer, giving him the documentation and using a webcam), the customer does it directly on a tablet or POS or from his own device by scanning a QR offered by the agent or a link received by SMS. ## **Deploy&Go tools for telecom companies and telephone/mobile operators** As we have seen, the evolution in recent decades has been rapid and constant. Even so, **the last 5 years** have seen a series of even more profound changes related to the day-to-day operations of companies in the telecommunications industry, directly affecting their **activity, that of their teams in all areas**, and their profit and loss accounts.  Until very recently, telecommunications operators relied on **large consulting firms to design** large, **structural transformation projects.** This had four major drawbacks:  * To make a **very high investment in terms** of the costs involved in the project proposed by this large consulting firm. * The need to **involve IT teams**, blocking them and in many cases generating demotivation. * **Difficulties at the level of** the organization's already standardized **systems**, which had to be modified, affecting several areas and teams. * The **delay in the** development of these complex projects, which were often **delayed or even involved cost overruns.** Fortunately, today's **RegTech players and startups specializing in the telecom industry** have designed a completely revamped approach that turns these four issues on their heads.  Now, **SaaS and PaaS** solutions (also convertible **on-demand, on-premise, and single-sign-on**) developed in a cloud format and thanks to AI and ML are really **affordable - no prior investment needed for implementation** \-, are up and running **in less than three months without errors** in complex multinational organizations, **do not require structural changes and do not involve your IT teams in** addition to less than three months etc. These specialists in the telecommunications industry **also act as integrators and developers** in an additional way with the same professionalism and knowledge as the large consulting firms. They provide **SDKs, APIs** and lead the integration of these **scalable systems** into all processes of the organization making them compatible with legacy systems or replacing them with a simple data-driven systems connection using the latest technologies, in days. --- ## Customer Loyalty: Increase Retention with Tailored Programs **URL:** https://www.tecalis.com/blog/customer-loyalty-retention-actions-clients-strategies **Descripción:** Businesses in areas such as telecommunications, banking and insurance are wondering how to build customer loyalty through retention actions. Customer loyalty is one of the most important objectives for any company. However, there **are some industries in which customer loyalty is even more complex and decisive** than usual for the business and its sustainability. Among these, the [**telecom industry**](https://www.tecalis.com/industries/telecommunications) stands out, where customer retention is decisive for **growth and market share improvement**, as it is an industry halfway between perfect and imperfect competition.  Other similar sectors such as [**utilities**](https://www.tecalis.com/industries/utilities), [**banking**](https://www.tecalis.com/industries/banking), and finally **insurance** are also very concerned about customer loyalty, with situations similar to those found in the telephone and internet operator markets.  In the other areas of activity, closer to what we know as **B2C consumption of products**, retention is very important - with loyalty actions through gamification programs, benefits, and commercial communications according to interests or cross-selling - but it does not reach the same level of relevance as in those businesses that base their core on **providing services through contracting.** To approach customer loyalty and retention in **a professionalized but, above all, modernized and efficient way**, we must first understand the difference between these two concepts and how they have been approached by leading players in the industries we have previously discussed. ## **What is customer loyalty?** Customer loyalty consists of **keeping the same buyers over time, using specific actions so that they do not switch** to another company or brand when it comes to **consuming products and services**.  Similarly, customer loyalty is a long-lasting relationship that may not depend on customers switching to another competitor. In other words, there is another **way of building loyalty that focuses on continued consumption by generating customer demand for a specific product or service**, rather than for a brand per se. When competition is low and there is little risk of change, actions to build customer loyalty focus on "nudging" the customer to improve their quality of life or obtain new daily benefits by **using a product or service that they were not used to consuming regularly before**. This other approach to loyalty generates **higher profitability per customer**, especially in certain **service** sectors **and non-core products** (non-food, energy supply, etc.). It is especially prominent in **B2B and corporate transactions**, where, for example, we find situations such as the extension of the use of [**electronic signature platforms**](https://www.tecalis.com/products/electronic-signature).  **Many businesses did not consider the use of these tools or had only used them on very specific occasions**. However, when they received training, valuable content and information campaigns, and a **better understanding of their uses and applications**, they began to understand them as essential, receiving enormous benefits in all areas and at all levels (productivity, time savings, cost reduction...). ### **Loyalty programs** In terms of **product types and industries where consumption is practically mandatory, the strategies followed to build customer loyalty are different**. A very representative example is that of [**KYC/AML digital identity verification and onboarding solutions**](https://www.tecalis.com/products/identity-verification), where companies are required by law to have them in order to carry out their activity (BFSI industries, Banking, Insurance, Financial Services...). In these cases, customer loyalty techniques are seen from the perspective of a **possible loss of the habitual consumer because he/she decides to switch to another brand**. Customer loyalty strategies in this sense are focused on **incentive programs, price changes, offers, discounts, improvements in the product or service provided or in the quality of the after-sales support given**, to give some examples. ## **What is client retention?** The concept of retention is often conflated with loyalty actions. However, if we want to approach this area from a professionalized perspective, we must understand the subtle differences between the two terms. **Customer retention is the ability of a business to prevent a customer from abandoning something they have already started**. This can be focused on the habitual purchase, understanding that a customer has a routine of making purchases or making use of a service. This would be the definition of customer retention that is closest to the concept of loyalty but **approaches selling as a continuous and cyclical process**. However, **the most accurate description focuses on how to retain a customer in the middle of a process, generally a registration or purchase**. In other words, the user has not necessarily had to buy previously but is immersed at a specific moment in the contracting or purchasing process, and **the company evaluates the capacity it has to carry out retention actions that culminate in the final objective: conversion**. Therefore, **customer retention actions are those that prevent a user from abandoning a purchase process (or a registration, contracting, renewal, registration, etc.).** Unlike customer loyalty - which aims to focus on long-lasting and sustained relationships over time9 - customer retention focuses on specific and generally short processes that must be completed as soon as possible without abandonment in the intermediate stages. ## **How to drive customer retention in the telecom industry** Many players in the **telecommunications sector** have begun to **completely eliminate length-of-stay penalties**. This has meant a radical change in the industry, modifying the loyalty plans of the vast majority of players.  Beyond the problem of complaints and the resources allocated to deal with unhappy customers who wanted to leave the company before the end of the period or just at that moment, telcos realized that this was one of the most relevant insights from listening to feedback from users in the area. The freedom and autonomy that [**solutions such as AutoSIM**](https://www.tecalis.com/use-cases/auto-sim-swapping-activation-duplicate) have given customers clashes with an outdated model where telephone operators had more power over the user. Today, consumer demands, expectations, and needs are different. ## **How to build customer loyalty with 2023 tools** The **creation of loyalty programs is an** indispensable requirement for any company today. These must take into account all the aspects we have previously analyzed as well as different **market**, microeconomic, and macroeconomic **analyses.** Choosing to benchmark ourselves and the competition as well as SWOT analysis will help us to design better and more focused customer loyalty actions. In the case of customer retention in the registration and contracting process, we must focus on the processes and digitize as much as possible its different phases in order to reduce any type of friction and always opt for simplicity and agility. **RegTech** players **have designed SaaS platforms** that do not commit organizations as they do not require an initial investment to start using them. Thanks to them, customer loyalty programs can be proposed with total agility and simplicity and allow the actions on these platforms to be monitored by all sales teams. Now, any business can **modify its sales processes to both increase retention and improve loyalty - through e.g. Sales Hubs that enable better post-sales management.** These changes can take place in days without the need to block areas, invest in IT or require complex transformation processes. They are solutions that adapt to existing systems and upgrade them by running within them or in parallel and fully connected. ### **Contracting after discharge** One of the most important points in the onboarding process is **cross-selling after the main registration**. It is important to have  [**Know Your Customer**](https://www.tecalis.com/products/identity-verification) **and electronic signature technologies** that allow **instant sign-ups**. At this point, retaining the customer to contract more services through cross-selling strategies is **easier than if it is attempted in a second phase**. Therefore, authentication systems that comply with **PSD2 regulations** allow **high-risk operations** to be **carried out in customer areas** since customers access them by logging in with credentials based on initial **KYC biometrics.** This allows compliance with the most demanding regulations and gives full validity to **any transaction, purchase or contracting performed**. ### **Electronic notification** [**Certified communications and electronic notifications**](https://www.tecalis.com/products/certified-communication) help to maintain **constant, close, and valid contact with customers**. Companies send sensitive information to their customers through various channels, not always with sufficient legal backing. Thanks to these systems, you can now keep track of all contacts made by the customer, opens, and their interactions with the content sent. This is especially useful for **retention-focused use cases such as policy renewals or any type of service contract**. ### **Automation and RPA** [**Robotic Process Automation (RPA)**](https://www.tecalis.com/products/rpa-automation) systems allow teams to make changes to their systems to **establish customer loyalty actions in days and are easy to use by all sales teams**. Much of the time of commercial agents is spent on bureaucratic tasks rather than on the value of giving the customer personalized and close attention. Having automation systems that automatically launch loyalty program actions is a sure way to ensure that no activity is forgotten. In addition, their associated day-to-day uses have brought great benefits such as **reduced costs and resolution times for support tickets or customer help**, which considerably improves customer loyalty. ### **Customer loyalty strategies and actions:** Below is a **list of actions and strategies that can be either retention or loyalty. A mixed compendium in the** form of brainstorming: 1. Improved **customer service and premium service by seniority**. 2. Sending **gifts to** outstanding customers. 3. **Gamification** (points, games, login rewards...) and **incentive** programs. 4. **Seniority** discounts. 5. Thank you notes and **personalized communications**. 6. **Training** and provision of relevant information. 7. Sending valuable content through different communication channels (mailings, SMS, postal mail...). 8. **Contests, sweepstakes and giveaways** for customers only. 9. Get to know your customers better and make them **personalized and hyper-segmented offers**. 10. **Differentiate yourself** if the competition has the same product or service at a similar price, detecting key needs. 11. **Offer exclusive advantages** (partner with other players and look for collaborations with other brands to offer non-competitive discounts for being your customer). 12. **Make subsequent transactions easier or automate recurring purchases**. 13. Conduct satisfaction surveys and listen to the opinion and **feedback** of your customers to improve in this way. 14. Act with **social responsibility** and communicate to your users what it means to be a customer of your company, beyond the offer of products or services. 15. Create **ecosystems and communities to generate a sense of belonging through** different media and communication channels exclusively for them. **Automated customer loyalty** with actions carried out through systems with cutting-edge technologies based on software platforms is within the reach of all businesses regardless of their sector. ## **Minimal churn and cancellation rates** Based on the premise that **acquiring new customers is more complicated than retaining existing ones**, analyzing and measuring customer loyalty and retention is crucial. When it comes to assessing retention, we talk about _Churn Rates_, **abandonment rates or cancellation rates**. It is a simple metric that can be applied to any process and that should be measured as we make changes in workflows over periods of time. It is also confused with the term "**conversion rate**", which is actually the most appropriate for this purpose although it has another purpose and meaning.  Within this period and sales funnel, we simply have to obtain the number of customers who started the process and those who abandoned it. If we divide the latter by the former and multiply by 100, we will obtain the figure that allows us to evaluate. On the other hand, customer retention rates are one of the key metrics in any customer loyalty strategy. This allows us to determine the scope of our actions and how the area evolves after changes. The formula for calculating the **Customer Retention Rate (CRR)** is: You subtract the number of new customers during a time period from the total number of customers at the end of the period and divide by the existing customers just before the period started. After that, you can multiply by 100 to get a percentage. Another indicator to take into account is the **recurring customer rate (RCR)**. This is calculated by dividing the number of customers who made more than one purchase by the total number of unique customers. --- ## What is an e-invoice and when is it required? **URL:** https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation **Descripción:** An electronic invoice is a legal document in a digital format equivalent to traditional paper invoices but with certain differences and great advantages. **Electronic invoicing is regulated in all European Union countries and 85% of them have laws requiring** companies to make use of it. Did you know that in 2022 alone **more than €90 billion in** global VAT revenue was lost categorized as reporting errors, bankruptcies, insolvencies, or **fraud related to invoicing**? It may seem an overwhelming figure, however, it is really positive considering the almost 135 billion euros in 2019. This is due to the progressive implementation of electronic invoicing systems. Controlling economic activity, [**preventing money laundering**](https://www.tecalis.com/es/blog/aml-anti-money-laundering), and limiting losses have made electronic invoices or e-invoices a stronghold.  We will delve into this decisive **tool for productivity** in businesses of any size and sector, **savings in time and resources** as well as the fight against fraud. ## **What is an electronic invoice?** An electronic invoice is a **digital document of a commercial and fiscal nature that legally records the purchase and sale of a good or the provision of a service**. This commercial file includes basic and specific information about the transaction being carried out between two parties: the seller or service provider and the buyer or customer.  This **digitalized accreditation and proof of the** transfer after the purchase or service has full **legal validity if it is issued, sent, and received according to the standards** set by the different regulations. Also known as eInvoice or e-Invoice, this model falls within the provisions of the Invoicing Regulation (2013) according to its standards of issuance and receipt in electronic format. The main difference between the traditional physical invoice and the new electronic invoice lies in the **ability to prove the identities of the parties**. Thanks to [**identity verification**](https://www.tecalis.com/products/identity-verification) techniques, it can be **legally corroborated that the persons or entities signing the invoice** did so at a specific time and that it was reliably that subject (either a company or an individual). On the other hand, both **authenticity** and **integrity** \- verification that the **content of the electronic invoice has not been altered** \- are the hallmarks of this model thanks to technologies inherent to the now standardized and officialized [**electronic signature.**](https://www.tecalis.com/products/electronic-signature) For a digital file or document to be considered as an e-Invoice, it must have a series of **specific requirements and features**. Although not all **electronic invoicing tools** include all the **possibilities and advanced functionalities** such as identity verification sealed by QES electronic signature (only carried out by a [**QTSP**](https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas)), there are a series of minimum requirements that must be met: * Complete invoice **readability** through standard quality file formats. Well-designed software will generate electronic invoices with correct readability. * Guarantee of **authenticity from the origin**, faithfully **identifying** the **obligor** for its correct **issuance** as well as the **issuer of** the invoice. There is the possibility that it is the same subject (individual or company). * Guarantee of **content integrity**, **avoiding** later **modifications** or **leaving a record** of when, by whom, and how they were made in case a change has occurred. There are different methods to guarantee these minimum requirements. With their differences and similarities, all of them are valid and recognized by the administrations although they are of different application. * Integration of a **recognized certificate through** the stamping of an [**advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature). * Electronic Data Interchange **EDI** (structured data interchange between organizations). * Through means communicated and officialized by the **State Tax Administration Agencies or the European Union**, which are updated as platforms and legislation progress. **More than 60% of businesses with a presence in Europe report that they do not receive their payments in a timely manner**. These figures increase even more if we analyze SMEs, which are also the ones that suffer the most when these phenomena of delays and/or late payments occur. The European Union is determined to implement a model of payment without delay, not only between public administrations and companies (something in which most member states have already made considerable progress with their national and regional laws), but also in B2B environments. The now globally standardized [**eIDAS Regulation**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2) serves as the basis for electronic invoicing, a fundamental pillar of which is the electronic signature with a **digital certificate of the issuer of the invoice with a reliable request to the recipient through** electronic means that operate under the standards of the **Qualified Trusted Electronic Services (QTSP).** ## **Types of electronic invoices** Although we can find different formats in which an electronic invoice is developed, we can group all types into two main categories: electronic invoices with structured and unstructured formats. The types of original invoices: ordinary, simplified, recapitulative, and rectifying remain unchanged. As these are due to the content of the invoice, it is independent of whether it is an electronic or physical invoice. ### **Electronic invoicing in a structured format** The types belonging to this category are characterized by being **simple and standardized**. This **greatly facilitates the automation of** their dispatch, delivery, and processing. Structured e-invoices can be **generated autonomously by** e-invoicing **platforms and applications** and processed automatically by the systems used in the recipients' accounting equipment. * Electronic invoices in **XML language** (used by Facturae and in **UBL 2.1**, Universal Business Language, or **CII,** one of the preferred by public administrations). These are usually accompanied by the use of PDF files. * **Facturae** format (v3.1, v3.2, v3.2.2). It is the standardized one to work with the public administration although it has already been extended to B2B use. It is **XML-based but follows the standards** set by the Ministry of Industry and Commerce, **including electronic signature**. These are compatible with the **FACe** and e.FACT directories of AOC (used by the administrations, the latter in Catalonia). * **FACeB2B,** used for business-to-business transactions connected to the administration. * **PDF signed with eIDAS electronic signature**. * **EDIFACT**, the UN standard for data exchange in international environments. * **PEPPOL** Network and eDelivery, a European electronic communications system for public purchasers and procurement processes. It is a set of technical specifications for integration into eProcurement platforms and eBusiness services that achieve interoperability between non-peer-to-peer systems in the European Union. * Those of **some banking institutions** such as BS Invoice. * Sending in **FTP methods** for direct deposit on the receiver's servers. Sometimes **JSON** format is also used for structured data either via FTP or not. We have seen that therefore in this format of structured electronic invoices, the **information, data, and content of the invoice are organized in fields and encoded through a defined standard**, such as the ones we have just seen. Each **field** and area is defined with a **name and a specific value**, something that allows **easy identification and processing of the invoice content**, even **including identity data and electronic certificates.** ### **Electronic invoicing in an unstructured format** They are mainly images **with generally non-indexable content**. Their data do not respond to any of the above standards but are **valid if the requirements** mentioned at the beginning of this article **are met in** order to be considered an electronic invoice. This includes scans, indexable **PDFs,** and others in plain format without virtual text but correctly readable, as well as **DOC, HTML, or TXT (which can sometimes be structured), XLS, JPEG, PNG, GIF, among others**. The introduction of unstructured electronic invoices into the recipient's systems is **complex and requires time and manual work** by qualified personnel. This can be solved with **Optical Character Recognition (OCR) software**, which extracts the content and creates a structured copy, which is stored together with the unstructured one in a package, processed, and stored; however, most companies do not have these sophisticated systems. ## **When will electronic invoicing be mandatory in Spain?** Electronic invoicing has been mandatory in Spain for a decade. **In December 2013, Law 25/2013 was passed, which requires the creation of an accounting register of invoices for transactions between companies and administrations**. In other words, the obligation to issue electronic invoices is present for all those companies working with the public sector. On the other hand, **Royal Decree-Law 16/2013** acted as a transposition already at the time of **several European directives aimed at the use of electronic invoicing and the fight against fraud** both in administrations and **between companies and individuals**. More and more regulatory bodies are focusing on invoicing, with a firm commitment and a fixed timetable. In **Europe, the electronic invoicing standard CEN-TC/434 was** the first international precedent in the EU to set the mandatory use for B2G invoicing.  However, the implementation of this model with a view to its expansion to all economic activity did not begin to take steps until **2018 with the Contracts Law**. Subsequently, **Royal Decree-Law 8/2019 established the mandatory use of electronic invoicing for B2B transactions in which the annual VAT quota exceeds the amount of €90,000**. All this has culminated in the approval of the “**Crea y Crece” Law, which extends electronic invoicing to all areas of the economy with a totally obligatory nature**. ## **Mandatory electronic invoicing for companies and freelancers** According to CEPYME, **the percentage of electronic invoices with late payments was over 73% in 2022**. This added to **tax crime, corporate delinquency rates, and fraud attempts between companies** and individuals, has resulted in an ambitious regulation that is really concise in its purpose. **Law 18/2022, on the creation and growth of companies, was approved on September 28, 2022**. In it, we can see how **the tasks of issuing, sending, and receiving electronic invoices** are made **absolutely mandatory in all areas** of the economy and society. This applies to **large and small companies as well as to self-employed professionals and individuals**. **It does not take into account the amounts or the characteristics of the issuers or receivers; it obliges everyone to have electronic invoicing applications for any commercial transaction.** In addition, it extends a series of mandatory compliance points: * An invoicing solution must be in place that includes an **electronic signature for both issuance and receipt, and invoices must be stamped with a digital certificate**. * The invoices themselves must comply with the requirements of the **Invoicing Regulations** of the law. The contents and formats of the internal data and commercial information remain as we knew them in the standard invoices already defined for the legal consideration of the invoice. * **Issuers must provide access to electronic invoices to recipients**, who can consult, copy, store, and print their invoices completely free of charge. This will last for a **minimum of four years of custody**. ### **Dates for the mandatory use of electronic invoices** The law, already in the Official State Gazette, is effective from 20 days after its publication. Fortunately, an **adaptation period** has been given **so that companies and freelancers can acquire an electronic signature and invoice solution** with which to comply with the requirements and avoid penalties. The deadlines and dates are different depending on the company and the calendar would result as follows: * For **companies and self-employed** with **turnover** volumes **exceeding 8 million** euros per year: **March 29, 2024**. * For **companies and professionals** with a **turnover of less than 8 million**: **March 29, 2025**. By those dates, businesses must already be operating with a complete electronic invoicing system and comply with all the previously mentioned requirements. **Failure to do so will result in administrative sanctions on a case-by-case basis:** * **3,000 euros** penalty for each invoice that is not generated and sent in electronic format. * Up to a total of **6,000 euros** if the electronic invoices are not recorded and stored for the custody period outlined in the law, of a minimum of 4 years. This custody can be done by your trusted service provider and electronic invoice application. * **10,000 euros** to each company that does not offer its customers, partners or suppliers the possibility of receiving electronic invoices. * **24,000 euros** for non-compliance with the tax and accounting requirements of the same law with respect to invoices. * Up to an amount of **60,000 euros** for non-compliance with security and privacy rules relating to billing. In relation to and in accordance with the [**GDPR (General Data Protection Regulation)**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business). * In the event that the business, the company, or the self-employed professional should relapse or knowingly and seriously fail to comply with any of the requirements of the regulation, these amounts could be increased. Any economic activity involving the issuance and remittance of an invoice must be carried out by certified electronic means and in compliance with the requirements of the “Crea y Crece” Act. **Fortunately, the software and applications offered by RegTech partners, sometimes completely free of charge, such as Tecalis, will facilitate this new economic and business framework.** ## **How to make an electronic invoice** As we have said, the first thing to take into account when creating an electronic invoice is the legal requirements set by the regulations of your state or region. Once this is done, you must have **an electronic invoicing system or application that is aligned with the “Ley Crea y Crece” (Create and Grow Law), as well as electronic signature and digital certificate systems for further support and security**. Scalable SaaS software development companies design **simple solutions that are implemented in companies with total fluidity** and can be used by all types of employees, whether they are digitally advanced or not.  They **do not require installation, they are accessed simply through a website**. They are simple and include guided tours that make the process easy and dynamic.  In some cases and for large companies, these digital startups also make FTP models and other automated connections for their customers. Players like Tecalis use the power of software and **RPA (Robot Process Automation) and AI** technologies to develop this in record time and with a much more competitive performance. ### **Generate free electronic invoices** The way to generate electronic invoices **differs according to the application or system used**. It also depends on the type of e-invoice to be created or the type of model to be used to send it. Electronic invoicing platforms and programs are dedicated to converting the information into an electronic format to be received by the receiver. All through a simple web form within your application. However, there are a **series of basic steps that are carried out** and that we can describe below as an **illustrative example of** how to issue an electronic invoice: 1. **Access the Tecalis e-invoicing platform for free** with your username and password. 2. **Save the information about your customer**, indicating name, type (individual, company, or self-employed), VAT number, identification numbers, fiscal address, and contact details.  This will be saved and can be used as many times as you need to issue an invoice to this customer or to a group of customers or suppliers. 3. **Configure the formats**, establishing issuance preferences, series models, and numbering or shipments. 4. **Create and generate the electronic invoice in your system** by entering all the necessary data such as type, series, issue date, due date, payment methods, taxation and taxes, billing lines, and remarks. Other files such as delivery notes, attachments, or KYB-verified identity documentation can be attached. You can also include your advanced electronic signature for  5. This invoice is stored in your system and **you can save it and wait or issue it instantly**. It will be sent via the selected method (XML, FTP insertion, PDF by certified email with eFax...). 6. After these steps, it would have been **received by the recipient and we could track and consult it through the platform**. This would allow us to manage its collection by connecting with banking applications. --- ## Telephone companies: how the best network operators sell **URL:** https://www.tecalis.com/blog/telephony-telephone-phone-companies-mobile-fiber-best-company-cheap-operator-telecom **Descripción:** Telephone companies can offer the best value for money by optimizing the operating costs of their commercial networks. Learn how to increase your profits. Telephone companies present themselves on the market with a specific tariff offer that responds to their **intention to position themselves in relation to the competition**. In a market halfway between perfect and imperfect competition, having the **right sales tools** for telephone companies will make a decisive difference to the **results of commercial actions**. The [**telecommunications industry**](https://www.tecalis.com/industries/telecommunications) is currently a liberalized sector and **in markets such as Spain there are more than 40 providers of mobile telephony, fiber and other related services**. This is happening practically all over Europe, in North America and the trend is beginning to take hold in Latin America.  What is the current situation of telephone companies and what are the best practices they apply to **improve their presence and market share**? In a sector where portability is everything, **gaining visibility and having capable and effective sales agents is key to achieving the proposed objectives.** ## **What is a telephone company?** A telephone company is a **company in the telecommunications sector** that offers **communication and information services** based on **mobile** technologies, **Internet** access, television and other associated or complementary services and products. The liberalization of the [**telecom industry**](https://www.tecalis.com/blog/telecom-telecommunications-industry-companies-telecoms-operator-business-area-industry) has given rise to a complex and broad ecosystem in which we find a **diversified offer and very different proposals**. In markets such as Spain, we could see how for more than 70 years - from 1924 to 1996 - there were no different operators, but rather the market was in a monopolistic situation with CTNE (Compañía Telefónica Nacional de España). Since the beginning of this liberalization, new private capital telephone companies began to appear. Subsequently, with the arrival of the **Internet and** cable **television**, the market entered a phase of expansion and diversification of supply that has led to the **current highly competitive and changing environment**. ## **Telephone company news: own network and MVNOs** Today there are **around 50** telephone and Internet **companies** in markets such as Spain, something that extends to practically all of Europe. Among them, we find quality proposals with **premium services that include a high level of technical support** and personalized attention to the **low cost** ones **that propose an agile and simple model** for those who do not need more than a simple phone line. Since 2019 **MVNOs (mobile virtual network operators)** have impacted the industry by **changing its rules and redefining supply** and demand. These mobile companies (also already fiber and TV) do not have concessions in the broadcast frequency spectrum, **without having their own network and rent it to large operators**. This also applies to terrestrial lines and not only to mobile wireless communications. **At the sales, marketing and operations** level, this has meant a radical change in the way the mobile, fixed and internet industry is configured. **The lack of infrastructure has not been a problem for the growth of many MVNOs**, and they **even use the name of the operator to which they rent the networks as an advertising slogan**. What have these MVNOs been capable of? Although it might seem that the big operators were years ahead in terms of market development, the **MVNOs' trump card has been their ability to innovate** and act without prejudice. Creating from scratch often means not being afraid to opt for **disruptive solutions**, especially in terms of **methods of** [**acquiring new customers**](https://www.tecalis.com/blog/customer-onboarding-what-is) **or agile contracting models for their products and services**. ## **Internet, mobile and TV companies**  As we have been saying, telephone companies have not lagged behind and have decided to **bundle mobile telephony, Internet and TV under a single product**. This has to some extent increased dependence on the operator, boosting [**customer loyalty**](https://www.tecalis.com/blog/customer-loyalty-retention-actions-clients-strategies) rates. However, the offer is so varied that we can find from telcos that only have a single product to others with more than 30 different services, including those that **allow the customer to configure his own customized tariff, with immediate activation thanks to a contracting process with** [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **and** [**KYC (Know Your Customer).**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) Below is a **list of all the telephone companies operating** in the Spanish market: ### **Own network:** They use their own network or that of their parent company: * Adamo Telecom Iberia * Alterna (Alterna Online) * Aloha * Euskaltel and R * Eurona (Satellite) * Excom * Finetwork * Hits Mobile (MásMóvil Group) * Start * Jazztel (Orange) * Lebara (MásMóvil Group) * Llamaya * Lowi (Vodafone) * Más (MásMóvil Group) * MásMóvil (MásMóvil Group) * Movistar (Telefónica) * Netllar * NOWO (MásMóvil Group) * Orange * O2 (Telefónica) * Pepephone (MásMóvil Group) * PTVTelecom * RCable * Simyo (Orange) * Suop * Telecable * Vodafone * Virgin Telco (MásMóvil Group) * Yoigo (MásMóvil Group) ### **MVNOs:** * Tuenti * Mobile Republic * Lycamobile * Racctel + * Telecable * Suop * Digi (although it is starting to deploy its own fiber network) * Ion Mobile ## **What the best phone companies do** Telephone companies can offer the best value for money thanks to the optimized operating costs they have in their commercial networks. **Is it the case that cheap telephone companies are the same as those that have systems to optimize their commercial network**? The answer to this question can be found in the **success stories of many MVNOs and cell phone providers with their own network**. As we said, in the past, making changes in commercial structures or new customer acquisition techniques meant having to invest heavily.  Before **RegTech players developed scalable solutions** for telephone and internet companies, operators had to resort to large consulting firms to implement complex **digital tools** that quickly became obsolete. Today, thanks to technological advances in [**RPA (Robot Process Automation)**](https://www.tecalis.com/products/rpa-automation), the connection between new agile systems and those of telcos is done in days allowing to provide tools to its commercial network in a simple way and at **much lower costs**. In addition, the expansion of **SaaS (Software as a Service)** allows cell phone providers to reach their markets with much tighter time-to-markets and **without the need for upfront investments** that mortgage their future. The idea is based on **pay-per-use** software that grows as the business grows. ## **Sales tools for cell phone providers** The old model where cell phone providers had more power over the user is over. Today, consumer demands, expectations, and needs are different. Therefore, to face the new reality, telephone company employees need **updated tools such as tariff configurators for sales agents at the physical point of sale and online sales portals for the customer with immediate self-activation**. Among others, the tools that those who are working directly in the market use to create opportunities for telephone companies stand out: * **Commission program** managers. * Monitoring panels on the use and location of **merchandising** for alternative channels. * System for **collecting, storing, and sending** identity **documentation.** * **Contracting** platform with digital signature. * Manager of stock, orders, and back-office of the point of sale. **BI systems with real-time information** about the area or market area. ## **Business Hubs: the center of the commercial work** The formula for **integrating all these functionalities and tools under a single system** is the Commercial Hubs. These are global platforms that are completely linked to the systems of the mobile providers and allow the agents of their commercial network to work from a single place. Having this global tool not only **homogenizes the entire sales network** \- including both alternative and proprietary - but also reduces operating costs and boosts the motivation of sales teams. This is crucial in a market where reluctance to door-to-door selling or cold calling is becoming increasingly difficult. **These Hubs are shaped according to the profile of the user who uses them: from a salesperson in a call center to the head of a brand who visualizes real-time data from the entire sales network.** ## **Contracting solutions for mobile, fiber and telecommunication services companies** What features are included in the Commercial Hubs **designed specifically for telephone companies and their channel partners**? These platforms are a **compendium of unified technologies** under a single **web access** system (multi-device cloud) that is easily used from the **physical or telematic point-of-sale** equipment and by the professionals who manage the **online point-of-sale**. Regarding this last channel, its conception is different, as it is not used in the same way. It is integrated in an automated way and the **RegTech partner as Tecalis designs specific websites (online sales front-end) for the mobile, fiber and internet company, integrating all the functionalities that we describe below in its back-end**. It is possible to **avoid penalties**, collect identity documentation in compliance with **RGPD** mandates in a simple and agile way, and **boost sales with incentive programs** and monitoring of salespeople in both own and alternative channels from the parent brand and marketing operations. * **Prepaid or postpaid SIM activations online and onsite** without the intervention of a commercial agent thanks to automated KYC systems that give autonomy to the customer to perform **activations 24/7.** [**AutoSIM systems**](https://www.tecalis.com/use-cases/auto-sim-swapping-activation-duplicate)**.** * **SIM replacement** remotely and in person, requiring minimum time and resources for its use, avoiding penalties for [**SIM swapping**](https://www.tecalis.com/blog/sim-swapping) and identifying the legitimate user. * Customer relationship management. **Acquisition and after-sales** tasks on the same platform for an exhaustive follow-up of the customer's registration status or open incidents. * **Agile and secure contracting with electronic signature and identity verification of combined tariffs** for fiber, TV, fixed or mobile telephony. This involves the collection of identity documentation with exhaustive anti-fraud controls to comply with regulations and avoid penalties. * **Online** and onsite **sales portals** designed according to best practices in UX/UI. Including customer portals to build loyalty and drive cross-selling of other products and services or own app. * Productivity in telesales and call-centers by providing relevant information before calls to commercial agents.  * Auditing, testing and sealing with blockchain of any operation thanks to E2E traceability models to have the necessary support. Process integration and interconnection of systems and tools. * Real-time data management and analysis of all the activity of the commercial network and each point of sale or agent. Including logistics management, purchase orders, shipments and suppliers of each of them. --- ## e-Notices: electronic notice delivery in the enterprise **URL:** https://www.tecalis.com/blog/e-notices-enotices-electronic-notifications-notice-enotice-published-companies **Descripción:** E-notices are used by both public administrations and businesses in all sectors for their daily activities. Learn how to implement them in your business. eNotices have been **used by administrations** as a [**certified method of communication**](https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation) with citizens for **more than a decade**. The electronic offices of the various agencies bring together these certified messages. However, the use of **electronic notification has been extended to the rest of the economic activities** being the **safest, most effective, and guaranteed method** to make **communications and send relevant information between companies and their customers**, employees, suppliers, or partners. ## **What are e-notices?** **eNotices are guaranteed publications of communications between two parties**. The sending of a series of information through this method implies **legal and juridical consequences**. Its use is prominent in public administration and governments in relation to administrative procedures between citizens and agencies or between different public entities. Currently, this method of sending is **used by companies in all sectors of activity** to send electronic communications relating to documentation submissions, service provision purposes, due dates or responses to requests. Electronic notifications are a **standard defined by the European regulation** [**eIDAS (electronic IDentification, Authentication, and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services). This international regulation sets out the guidelines for communication between two parties to be considered an eIDAS electronic notification and to be **supported and endorsed by the law**, being presentable evidence in case of a dispute before a court or arbitration entity. ## **How to send an eNotice** e-Notices **replace the traditional paper notification** and what we know as **eFax, with the same legal backing**. It is a digital communication method that leaves a trace of the path it has followed and of the **activity of the information contained in the sending**. An electronic notification sent according to eIDAS standards has a **non-repudiation guarantee**. In other words, it can **prove the participation of the parties in the communication**, **thus avoiding the possibility of denying that the sender sent** such notification or that the receiver did not receive it.  This is done either by the open publication method of electronic notification or with a certified mailing with **acknowledgment of receipt**. The format of the content is somewhat indifferent (documents in any format or simply plain text telegrams), although it must be sealed by the same methods used in the electronic signature. In this way, we guarantee a bidirectional process (between two parties and where there is no room for unilateral generation). This **authentication at the source and identification of the destination** can be further extended thanks to **state-of-the-art end-to-end traceability techniques based on blockchain technologies**. The best RegTech solutions for sending electronic notifications to companies include functionalities and features in this aspect to further strengthen their evidentiary capacity. ## **Relevant use cases for electronic notifications** As we have been developing, e-notifications are already **part of the daily life of companies in all sectors**. Previously, **penalties and legal problems** related to disputes where there was no evidence or trace of communication between companies and their customers or employees **generated large losses of time, resources, and in many cases large economic amounts**. Fortunately, thanks to the development of **SaaS (pay-per-use) e-notification platforms for enterprises,** any business regardless of size or stage can use them to secure its business and support its key operations.  It applies both in the B2B environment (especially useful in partnerships or with suppliers) and for B2C - also in B2G and B2B2G as we mentioned at the beginning. In B2E (Employee) environments, it has also meant the end of disputes and has improved the delivery of basic documentation such as payslips or general circulars with agreements or other relevant content. ### **Telco sector** The telecommunications industry has been using eNotifications for years due to the **strict regulations and sanctions and the increased control that regulators have** over the players in the sector (highlighting not only the operators but also all those partners that work with them in the commercial work in alternative channels). * Notification of the **beginning of the period of permanence**. * **Registration and cancellation** of lines or provision of services. * Registration of **complementary services** such as additional contracts (streaming platforms with agreements, renting of mobile devices, etc.). * **Changes** in pricing or services provided. ### **Insurance** The insurance sector is one of the sectors that makes the most (if not the most) use of electronic notifications and e-notifications. Given the nature of their business and the regulations that apply to them, they must provide certified proof of dozens of transactions for their clients. * **End of a contract** (especially relevant in **health** or home **insurance**). * Notices of **renewals**, expirations, or changes. * **End of** insurance **provision** (required by law to be communicated in this way). * Internally, there are dozens of operations such as the dispatch of **expert reports** with expiration dates. ### **Banking and Financial Services** In the same vein as the insurance sector, the financial industry is highly regulated and faces many challenges at the sanctioning level. Increasingly, regulators are focusing on their activities, including FinTech and WealthTech, to organize the industry's operations in a safe and secure framework. * Warnings of **abrupt changes in** the stock markets. * **Debt** claims and **credit assignments** approved or denied. * Relating to **payment obligations** at inception for closing. * Changes in **commissions or** contractual **clauses.** * Certifications of **knowledge of conditions and level of risk**. * Opening of **order for payment procedure**. ### **Utilities** Very similar to what we have already seen in the telco sector, companies and providers of basic services and supplies (**electricity, water, gas...**) **must notify their users of changes in the provision of the service by means of notifications in electronic format and with availability.** ### **Education and competitive examinations** Both in **public and private universities** and in public **administration recruitment processes** (or in dealings with those already hired for positions and positions), educational institutions around the world and public agencies use electronic notification to advertise dozens of regulated operations. * Sending of **certificates and titles**. * **Announcements, deadlines, phases, and admission lists**. * Denial or approval of **enrollment** applications. * Proceedings with the student regarding **academic credits** and other formal requests. ### **Human Resources** Using this means of electronic communication to trusted electronic standards will create a friendly environment in which to interact with employees without confusion or misunderstandings. From **sending offers** to candidates to **changing work locations to** sending **payrolls or terminations**, these systems have **eliminated all types of labor disputes**. ### **Sales, accounting, and logistics** All aspects of **contracts and agreements** must use eFax to support compliance. In **negotiation processes,** whether for **regular commercial sales or in mergers and acquisitions**, it is of vital importance to have e-communication systems in place.  Similarly, [**electronic invoicing**](https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation) and **collection management (reminders and late payment notifications)** are intertwined with e-notification and its functionalities.  As for the logistics or **supply chain** function, the origin and destination of shipments can be traced along with the time stamping of electronic notifications. ## **eNotices applications** **Governments and institutional bodies** often use the Common Administrative Procedure of Public Administrations to implement **notifications through electronic means on their own platforms where they integrate solutions for sending electronic notifications**. The vast majority of users wonder **how to consult electronic notifications**: it is a simple process that depends on the system used by the issuer of the notification. In G2B (government-to-business) and G2C (government-to-citizen) models, **electronic sites are made available that are** accessible to users through [**authentication**](https://www.tecalis.com/products/authentication) systems with high-level identity verification (generally by means of a **digital certificate**). Some local corporations and other state agencies have begun to allow **access to electronic notifications without the need to register in their systems**. The user simply receives a **notice or notification through a digital channel (email, sms...)** and can consult it through a link (after verification of identity with different accepted methods). Once the user has identified himself/herself by means of an electronic certificate, digital identity documentation, pin code, or SMS authentication, he/she can consult his/her notifications in the notifications and communications sections.  This is so because the **information transmitted** (the electronic notice or communication and its contents), which is the key to the guarantee of non-repudiation, must be guaranteed and **accredited.** Once accessed, the notification can be consulted, but it can also be rejected, with the consequent legal consequences, if any, depending on the content of the sending. The electronic notification and e Notices applications operate under the **highest standards of confidentiality, in compliance with the** [**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) **and the most comprehensive privacy regulations**. ## **The role of electronic signatures** The [**electronic signature**](https://www.tecalis.com/products/electronic-signature) is crucial for electronic notifications. In them, **time stamps** are used both at the time of sending and in any subsequent activity. The same technologies and standards are used to **prevent subsequent alterations to the content of the sending (or certify its occurrence) and its immutability**. The **audit reports** that can be found in biometric [**advanced electronic signatures**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) and five-year **escrow services** are shared elements between eSignature and electronic notification systems and models. Both notarized deposit and server delivery confirmations are used by RegTech solutions for both application types. --- ## Access Control: What it is, how it works, and its security **URL:** https://www.tecalis.com/blog/access-control-accessing-controller-controls-system-security-systems-facilities **Descripción:** Access control is a security system that has changed with the use of biometrics, virtual access controllers, and automatic doors. Learn more! Access control has **changed** radically in the **last decade**. New security systems and solutions have **changed the role of access controllers**, giving them a more user-centric role and relying on digital solutions. The concept should be approached from a **broad perspective**, as there is a general tendency to think that access controls are carried out only in **physical locations**, forgetting the **access** systems **of digital and web platforms** as well as hardware systems that can only be operated by certain subjects. The incorporation of new users to digital platforms is intertwined with the [**digital onboarding of new customers**](https://www.tecalis.com/blog/customer-onboarding-what-is) **where we can grant instant access to contracted products in the same process thanks to the electronic signature and** [**Know Your Customer**](https://www.tecalis.com/blog/know-your-client-kyc) **processes**. In this article we will discuss access control and management, delving into its **types**, the **technologies that are helping to automate this security service,** and what **modern access control systems** are used for. ## **What is access control?** Access control is a **security activity** that aims to **ensure that only specific** users and **people can access a certain area** (offices, facilities, digital platforms, physical and virtual event venues, boxes, tools...). This also **includes interior spaces** (sub-areas) and the assessment of **security levels by strata**. These **control mechanisms** provide **layers of security and privacy** to private and business environments. They ensure the physical integrity of people, goods, or information and **prevent any risk (of different kinds) and various threats depending on the nature of the space to be protected**. [**Identity verification**](https://www.tecalis.com/products/identity-verification) **and** [**authentication**](https://www.tecalis.com/products/authentication) are a fundamental part of access control, **granting or restricting access** based on the results of completing these processes. Fortunately, today, thanks to **AI and biometric technologies**, we are able to **complete them almost immediately (seconds or milliseconds)**. ### **Access controllers** As we mentioned in the introduction, the figure of the access controller has been and continues to be very relevant in this type of **security service**. These private security professionals, trained through access controller courses, perform **evaluation, verification, and control** tasks **in the spaces for which they are responsible**. These **security specialists are increasingly** relying on **electronic controls** with **physical and [face recognition](https://www.tecalis.com/blog/face-recognition)**. This is **especially useful in industrial facilities (factories, laboratories...)** or in neighborhood communities. The combination of these with **video surveillance systems** creates a **deterrent** environment for **unauthorized access** and shields a space to provide agile and uncompromising security. ## **Access controls and policies: types and components** Applied computing and **electronic security services** have evolved enormously in the last decade. Although certain innovations have been around for a long time, it is **only recently that we have seen them become widespread and standardized**. **NFC cards** for entering an office or a gym or **barcodes and QR codes** read as **electronic keys on screen readers** have been around for not so long. We have also seen **vehicle access control with proximity systems or OCR readings of license plates**. Access control in parking lots has also innovated with biometric or fingerprint systems for the opening of automatic barriers that enable fast, intensive, or chained access. We must take into account not only the systems that perform these identifications and authentications of users but also the physical access systems that facilitate or prevent their entry (automatic doors, turnstiles, bollards, turnstiles, barriers...). The integration of these systems with new [**digital identification**](https://www.tecalis.com/blog/what-is-electronic-identification-digital-banking-fintech-systems-applications-companies-kyc-onboarding-certificates) technologies is now easier and more convenient than ever. When an **entity (individual, computer system, vehicle, or computer)** requests access to a resource, it must be **reliably verified that it is who it claims to be** and that this registered user has the relevant rights and permission to enter. We can divide **resources** in access management into two main types: **physical (premises, company, home, office, country, building...) and logical (information, web platform, computer system, data center, application...)**. ## **Access control systems** The access control policies present in the systems for this purpose specify the permission levels that a requesting user has and may have his access request denied or granted. The access requester is known as the "**principal**" and may be an **individual**, a **process running on behalf of the individual,** or a whole in which the individual is included called a **subject** (a **company, a vehicle, a process, a computer system operated by a human**) or an **object** (a piece of data sent or a specific logical resource as defined above). As for access control policies, we can find four types: * **Discretionary Access Control (DAC)**: According to this access control methodology, resource permissions are chosen by the resource owner. Each resource object is part of an ACL (Access Control List) with users and groups with their specified levels. It is one of the most common and has implementations with the owner and with capabilities according to the access control provider allowing transfers and delegations between users of the access system. * **Mandatory (MAC - Mandatory Access Control)**: In this system we find that there is a central authority or organization that decides access policies, rather than a single owner for each resource. This is seen in large multinationals and other more complex and versatile systems. They include MLS multilevel security systems, which are quite simple (with Bell-LaPadula and Biba models) to manage correctly based on the confidentiality and integrity of resources and their organization. On the other hand, MCS (Multi-Category Security) is the lowest level of MLS with per-user labeling for accessing resources. In MACs we also find multilateral systems that could be compared to those used by banks (which also use Clark-Wilson models) or, with reservations, to file access permissions in Google Drive or Dropbox.  * **Role-Based Access Control (RBAC)**: In these models, the assignment is crucial and is done based on the responsibilities of the users and not on themselves. In web platforms such as Hubspot and others, we can find similar examples, where we must assign a role to users, which includes a series of associated rights. * **Rule-Based Access Control (RUBAC):** The installation of digital access controls in companies is increasing, therefore, it must be approached from a professionalized perspective and relying on secure and capable access control systems.  We must not forget, therefore, another of the key aspects to be taken into account when installing access control systems: the correct use of **access control components and their mechanisms**. There are three that must be understood in order: **authentication** (confirms that the user is who he claims to be before requesting access), **authorization** (indicates the resource that the authenticated user can access and grants him access), and **traceability** (a mechanism to ensure that the use of the resource does not exceed the rights granted to it once a certain level of access has been exceeded). ## **Automated access control** **Controlling the flow of people** in a space and the **route they will take within it** is also one of the main objectives of an **access control system**. Moreover, this turns out to be the main reason why more are being installed nowadays.  Today's [**identity verification systems**](https://www.tecalis.com/blog/identity-verification-kyc-aml) are capable of reliably identifying **users** in milliseconds with **hundreds of anti-fraud controls in any circumstance and with just an internet-connected device with a camera**. Advances in facial and voice biometrics have enabled more agile **and convenient** access control systems **for both users and administrators**. Authorizing or restricting the access of people or users to physical or virtual facilities is now easier than ever thanks to SaaS software that does not require the organization that wishes to install it in its systems to incur large initial investments. In addition, thanks to the expertise of these RegTech partners, developers of innovative software, they have **renewed and expanded the capabilities of access control systems by enabling new use cases such as the ability to direct each user to a specific agent upon arrival at the establishment (bank office, telecommunications sector, insurance...).**  With this, if a new unregistered customer arrives and shows his face at the entrance, he will be redirected to an agent qualified for this type of customer, while if he is an already registered user with X contracted products and we can see that he has an open issue about a specific aspect of your services, we will redirect him directly to the customer service agent most capable of solving his problem. **Stand-alone** access control **systems** are somewhat outdated, as they have many security gaps and are more easily hackable. **Centralized systems, on the** other hand, are unique and manage entries and incidents at multiple access points with different readers, but do not store information efficiently. It is now that we come to **distributed systems, which control access from a single point of command on a cloud web platform**. System administrators have real-time control of the traceability of users who have accessed their physical or virtual spaces while users have the same experience as in the previous two systems. The information is shared and stored securely and in real-time. When it comes to identification methods, users are clear: they prefer facial biometrics. This standard, which has become widespread thanks to its use in mobile devices, is secure, efficient, and simple. Identification cards, fingerprints, coded keyboards, and manuals have become obsolete because they are easy to breach. **Facial recognition is the current bet of the vast majority of organizations (educational as IE) and companies (Amazon)**.  These digital systems are adapted according to the size and levels of security and customer support to be provided. The entrance to venues such as concerts, festivals, and congresses and also its use already in airports endorses its reliability. ## **Advantages of digital security, customer service and control systems** To conclude, we are going to describe a series of advantages and benefits of access control: * More personalized customer service, which translates into more sales and a better reputation. * Excellent security for any virtual or physical environment in which you work and its associated resources. * Time and cost savings. * Reduction of risks and expenditures to address confirmed threats. * Improved capacity management. * Complete elimination of identity fraud and impersonation. * Innovative and simple experience. --- ## Wallets: What is a Digital eWallet and how do they work? **URL:** https://www.tecalis.com/blog/ewallet-e-wallet-digital-virtual-electronic-wallets-what-is **Descripción:** The use of electronic wallets has grown exponentially. Knowing their types and how to configure them for regular use is important. Find out more! **Wallets** have begun to standardize as a **new method of electronic** [**identification**](https://www.tecalis.com/blog/what-is-electronic-identification-digital-banking-fintech-systems-applications-companies-kyc-onboarding-certificates)**, storage, and payment in the last three years**. Thanks to **technologies such as NFC (Near Field Communication)**, which has already reached mid-range and low-end smartphones, the integration of these applications into the operating system of these devices has been boosted. Having a Wallet guarantees **access at any time to specific information that we can transmit and that is validated by the entity that signs the certificate that accompanies it**. On the other hand, we can also find other less sensitive data but equally linked to the identity of the e-Wallet user. There is some confusion about what to call these applications and the different types that can be found in the market. Let's discover below what an eWallet is, how a Digital Wallet works, and what considerations we should take into account when choosing the best virtual wallet. ## **What is a Wallet?** Before we begin to define **what Wallet, eWallet, and Digital Wallet are,** we must know that different terms are used to refer to the same concept. None of them is more correct than the other, they are just different ways to name the same thing:  * **e-Wallet** * **Electronic Wallet** * **Digital Wallet** * **Virtual Wallet** **A Wallet is an application that stores information based on** [**digital identity**](https://www.tecalis.com/blog/digital-identity-what-is-user-internet-print-footprint-reputation-protect-make-management) **in a standardized, valid, and reliable electronic format**. Sometimes they are used as a payment method; although its original conception is much broader, functioning as a virtual wallet in which to store all kinds of data. ### **Basic characteristics of digital wallets** There are **several types of wallets**: those that we carry on a **mobile device and whose purpose is to transmit digitized information** in electronic format in a **face-to-face** (physical) **environment** and those that we generally **use only in virtual spaces.**  We can also find that **banks, FinTech, and other investment platforms (trading, cryptocurrencies, financial services, payment, ID cards...)** have their own eWallets. Although they are so-called, we cannot really consider them as such, as they are still traditional accounts with currencies in our name (with some exceptions in the crypto world that we will see later). So, is a digital wallet the application and account of an ID card with which we can pay? Yes and no. We can call it this way since it meets the definition of what we consider by e Wallet but its performance simply limited to payment relegates it to being just another functionality of a banking application. The overall philosophy of a **Digital Wallet is to store identity information that allows us to identify ourselves at any given time and to communicate the ownership of certain rights and resources also stored in it.** Likewise, it must be ensured that the access and use of these electronic wallets are of absolute exclusivity for their legitimate owner. ## **What can we store in an e-Wallet?** Digital wallets have been expanding their capabilities over time. Most of them started initially with credit cards, but the amount of resources that can be stored in them has been increasing considerably: * Identity documents (**Passports**, official government documents, digital certificates associated with State IDs...) * **Driving** license. * **Credit** cards, debit cards, and more. * **Payment systems and methods such as Paypal** and other cryptocurrency platforms. * Nominative **public transportation** cards or single tickets. * **Loyalty** cards (for [**digital customer identification**](https://www.tecalis.com/blog/digital-identification-digital-verification-online-identity-online-customers-businesses)) of brands or companies. * Documentation of identification as a university **student.** * Identifiers as an **employee**. * Tickets to **events, shows, concerts, theater, tickets for entertainment venues, cinema, boarding access for flights or trains that serve at the** [**access control**](https://www.tecalis.com/blog/access-control-accessing-controller-controls-system-security-systems-facilities)... * Reservations for a **restaurant**, hairdresser... * **Health** card. * **NFC keys** (**Hotel** room door, **office** access door, **home, car...**) All these services and rights **may or may not have NFC keys associated with them**, allowing them to be read by the agencies in charge. Likewise, **QRs, barcodes, and other unique identifiers** are generated that are associated with the resource itself and the identity of its owner. With appropriate [**identity verification**](https://www.tecalis.com/blog/identity-verification-kyc-aml) **and** [**authentication**](https://www.tecalis.com/blog/sca-strong-customer-authentication) techniques, access to use these resources is granted, which entitles the legitimate owner and identifies him/her as such to perform certain restricted actions. ### **What is a Trust Wallet or Crypto Wallet?** As we have seen previously, there is a compendium of terms that are synonymous with each other and can be used interchangeably to talk about eWallets. However, there are two that are specific to the **WealthTech** sector **and cryptocurrencies: Trust Wallets or Crypto Wallets**. It should be noted that these are divided into those **based on identity information and anonymous ones**. What is stored in these digital wallets are **public and private keys that certify the ownership of a cryptocurrency**. Another important aspect is the emergence of **hardware e-wallets**. These can store both the keys and even the cryptocurrencies themselves, although the latter is not widespread. ## **How an e Wallet works** As we have already mentioned, authentication is crucial for the use of e-Wallets. One of the most widely used, standardized, and accepted validation methods by users is [**face recognition**](https://www.tecalis.com/blog/face-recognition). Electronic wallets allow you to make payments online and through POS with NFC technology without the need for a physical card but through the virtual cards installed in these e Wallets. **This complex software system connects with banks and shares information through blockchain technology.** This software allows MVNOs (virtual wireless network operator), MNOs, and banking institutions to link their systems with them to implement API/online cloud registrations to activate credit and prepaid cards and store them with a few clicks. Encryption of these resources is often done with the 256-bit AES encryption model. In some of the e-Wallets not only resources and rights are stored but also information such as **documents, contracts, property deeds, etc.** The best e-Wallets are those that require identity verification with facial biometrics and even OTP (multi-factor authentication) passwords when resources that involve a high level of risk are to be used, beyond the typical mobile device or smartphone authentication method (fingerprint or PIN). NFC technology is critical to making digital wallets useful in a face-to-face environment. It is essential that it be compatible with most readers and **POS terminals.** There are even ones for storing cryptocurrencies (Trust Wallets and Crypto Wallets) that allow payment on these devices by automatically generating currency conversion requests. At the online level, there are already many payment gateways that work with Google Pay (Google Wallet) and Apple Pay (Apple Wallet) and directly charge the purchase at checkout, either by filling out the credit card form or directly passing the payment as happens at the POS in physical stores. **QR codes and MST (Magnetic Secure Transmission) technology are also protagonists in its operation. These virtual wallets can be closed, opened, or semi-closed depending on their use and purpose (only for customers of a company like Amazon Pay, those that require a constant internet connection as login to work like Paypal, and the most popular and that we have been defining as a global concept of what an e Wallet is like Samsung Pay).** ## **eIDAS 2 and Wallets** The need for a **standardized European wallet has been** a reality for years. The **eIDAS (electronic IDentification, Authentication, and Trust Services) regulation** already laid the foundation for digital identification in Europe and has been used as the **reference standard by states and regions around the world to create their own frameworks** for electronic transactions and secure digital environments.  In this way, the foundations have begun to be laid for a **unified European digital wallet** under a public and regulated standard that is present within the most popular eWallets or even by creating one of its own. The development of the blockchain-based European digital identity wallet has already started. There are three European consortia (DC4EU, EBSI-VECTOR, and EBSI-NE) that are working to define the basis for the new [**eIDAS 2.**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2) ## **Advantages and benefits of eWallets** * A higher level of **security**, avoiding the misuse of tickets, cards, and other documentation by third parties in case they are **lost**. Similarly, security is increased by **reliably confirming the** user's **identity** before using a stored resource. * Allows **control of expenses and income as** many include a **record of transactions and use of your** stored **cards and resources.** * Greater **speed and agility**, avoiding the need to search for physical cards. * Saving **space and plastic physical elements**. --- ## Digital invoice: how to send one with eCertification **URL:** https://www.tecalis.com/blog/digital-invoice-electronic-certificate-invoices-mandatory-example **Descripción:** Digital invoice is the safest and most secure invoicing model, which includes the possibility of integrating an electronic certificate. **Digital invoicing** has been standardized for years within the framework of the business-to-government (B2G) relationship. However, its use **between companies, the self-employed,** and between companies and individuals still has some way to go. This digital invoicing model is **regulated by all EU member states** and the new regional and local regulations that are already being approved make it **mandatory in all areas** in the immediate future.  In an increasingly digitized, paperless economy where steps are being taken to **reduce complexity and bureaucracy in favor of simplicity and agility**, the transition to this model now seems an insurmountable necessity and a legal obligation. ## **What is a digital invoice?** A **digital invoice is a commercial document in an electronic format** that includes data and precise information about a commercial agreement for the provision of services or the purchase and sale of products. It is basically the **digital transposition of the classic** invoice **model** we all know. The difference between digital invoices and traditional invoices lies in their **creation, sending, and storage**, since the former is generated by **digital invoicing software, stored in computer systems,** and can be sent through different [**certified digital communication**](https://www.tecalis.com/products/certified-communication) channels **(eNotice / eFax)**. **Digital invoices are fully equivalent to paper invoices** and have the same validity when justifying the delivery of a good or payment for a service. However, **if a digital invoice includes identity elements as required by the latest regulations, it has a higher legal backing, greater consideration in disputes, and guarantees non-repudiation thanks to its delivery by certified electronic means.** ### **Electronic or digital invoice**  There is some confusion regarding the terms **"electronic invoice" and "digital invoice".** Although both can function as perfect synonyms, they tend to intermingle and each is used mostly in different contexts. An [**electronic invoice**](https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation) refers to the **regulatory standard that defines what an invoice in electronic format is**. In other words, we will encounter this term more when - in a professionalized way - we are talking about the **formal requirements that must be followed for these invoices to be valid in the eyes of society, the economy, and public administrations** (and to be accepted by them through electronic and telematic means). The term "**digital invoice**", on the other hand, is **broader and more versatile** and can be used to identify a **paper invoice that has been scanned (digitalized)**. However, this does not have the formal and official consideration of an electronic invoice, since it does not meet the specific requirements established by the laws that regulate this type of invoice. The same happens with those invoices created digitally with digital invoicing software but which do not comply with the **formal and technical characteristics required by the regulators**. ## **Digital Invoicing** Electronic and digital invoices must comply with a series of specific rules to be considered as such: * **Authenticity at source**: The identities of both the obligor and the issuer must be guaranteed by electronic means (**eIDAS** regulation). This is done through an **advanced electronic signature** with a recognized certificate, EDI data exchange or electronic means that guarantee a reliable audit trail. * **Content integrity**: Secure IT technologies and means shall be used to ensure that the digital invoice **cannot be altered** and, in case of modifications, a time-stamped record of the changes made to the invoice is attached. For this purpose, [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) technologies and end-to-end blockchain encryption are often used. * **Data readability**: The information contained in the invoice must be readable without difficulty by both humans and computer systems according to the most common data extraction standards. This depends largely on the sending methods and the format chosen by the sending and receiving systems (**XML, FTP, Facturae, indexable PDF with** [**electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation)**, EDI**, EDIFACT, PEPPOL...). Digital invoicing systems must generate and send invoices in accordance with these requirements, although the rules of each state and region must be taken into account, especially in those where it is mandatory. Documenting commercial transactions digitally allows businesses to streamline their processes and respond to tax and payment delay challenges. Given the problems that the traditional offline invoicing model has been generating for some time, we can see that **in markets such as Europe, 85% of countries have already passed laws requiring the creation and issuance of digital invoices**. Otherwise, they are exposed to serious penalties and their invoices have no economic or legal validity. ## **Mandatory eInvoice** In countries such as Spain, a **horizon and deadline** have been set **for the global use of digital invoicing in all areas of the economy**. **Since 2015**, all companies and self-employed professionals that had any relationship with a public body or administration had to use electronic invoices. Now, the newest regulations introduce the obligation to have a digital invoicing system in place within **1 year from the regulatory development of the new e-invoicing standard** for companies whose turnover exceeds 8,000,000 euros and within 2 years for those that do not exceed the same turnover. ## **Digital certificate on e-Invoices** **The best electronic signature applications have the ability to store digital certificates for use in any shipment.** This electronic certificate manager is convenient and can embed the signature with the certificate in documents such as a digital invoices. To sign digital and electronic invoices, in countries such as Spain, the AEAT admits the **use of recognized digital certificates**. The FNMT indicates that **a digital certificate** can be used **in invoices whether** it is for a legal entity or for representation and natural person certificates generated by the FNMT or other RegTech players that meet the minimum requirements and standards established by law. These **certification services for digital invoices** are generally used for the case previously mentioned: the exchange of digital invoicing information between companies and public entities. However, the standards that define the **new mandatory use of digital invoicing do not require the use of digital certificates in invoices as long as the software that generates them meets the requirements of authenticity, integrity, identification, and legibility** set out in the regulations. ## **Digital Kit and electronic invoicing** We can see the relevance of eInvoicing in countries such as Spain through initiatives such as the **Digital Kit Program**, which is aimed at boosting the digitalization of SMEs and self-employed professionals. Thanks to this program (backed by the **European Union**), companies can obtain up to €12,000 in grants to digitize their processes and adapt to the new digital economy. Digital vouchers are provided by categories of digitalization areas in a company. Given the obligation to have **digital invoice software** in the coming years, one has been created so that companies can obtain this system completely free of charge and easily. Tecalis experts are helping hundreds of small and medium-sized companies - as well as independent professionals - to apply for their Digital Kit grants for [**electronic signature and invoicing**](https://www.tecalis.com/products/electronic-signature). ## **Examples of digital invoices and its benefits** There are dozens of examples of the advantages of digital invoicing and, as we have seen, there are different data standards and methods of sending electronic invoices. Whether it is the format, the channel or the technologies that guarantee the identification requirements, we can find several options. These can be consulted in the other article on electronic invoicing in this Tecalis blog. Although there are dozens of them, the main benefits of electronic invoices experienced by companies that have successfully and easily implemented their use are the following: * **Time:** Having a digital invoicing system in place greatly increases productivity and reduces bureaucracy. With preset templates and automatic sending functionalities (among many other innovative features such as the use of GPT Chat), digital signature and invoicing platforms leave professionals time to focus on high-value work. * **Legality and Support:** Did you know that more than 60% of companies and professionals working in Europe indicate that they do not receive their invoice payments in due time and form? The electronic and digital invoice comes to solve this problem with a strong statement: the issuance of a digital invoice is legally binding. This means that in the event of a dispute - and with the appropriate means of traceability of a digital invoicing solution - the resolution of a non-payment is immediate. Moreover, for governments, this new invoice model helps to combat tax fraud. * **Saving space:** The cost of storing commercial documentation in many companies amounts to high amounts. In addition, regulations in many regions require them to be kept for a certain period of time, which entails a great expense in resources of all kinds. With the new electronic signature and invoice software and platforms (which include document management and custody in compliance with data protection and privacy standards), this expense is reduced to zero. * **Paper savings:** Beyond the economic impact (not only for paper but also for ink, printers, etc.), there is the environmental impact, which helps many businesses in their carbon-neutral goals. * **Invoicing, management, handling, and processing costs:** The great ally of the accounting, logistics, and supply chain areas. Perfect accounting management, especially through the use of digital invoicing formats such as FTP, XML, or EDI-based templates. --- ## E-invoicing: What is it and how does it work? **URL:** https://www.tecalis.com/blog/einvoice-e-invoice-einvoicing-invoicing-programm-electronic-digital-invoices **Descripción:** eInvoices or e-Invoices are an electronic format for sending invoices supported by regulations national and international regulations. e-Invoicing is an example of the adoption of electronic systems that have become essential to **optimize business processes and to be competitive** in complex and changing markets. One of the relevant aspects in this context of digitization of processes and paperless model is electronic invoicing, known as eInvoicing or e-Invoicing.  In this article, we will explore this concept in detail, highlighting its benefits, how it is implemented, and the key considerations to keep in mind when adopting this e-Invoices system. ## **What is an e Invoice?** An e-Invoice is an **electronic tax document that replaces the traditional paper invoice and expands its capacity to support a commercial agreement**. It is a digital file generated and transmitted electronically according to **specific standards**, which complies with all **legal, technical and fiscal requirements established by the tax authorities**. Through the e Invoice, the commercial transaction between a supplier and a customer is recorded and validated, **streamlining the processing processes** and completely reducing the use of paper and printing. Regarding the use of the term with or without hyphen (**eInvoice, e Invoice or e-Invoice**), there are discrepancies, but as a general rule we can say without any problem that they are absolute **synonyms**. Thus, an e Invoice is an [**electronic invoice**](https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation) that can be considered as such if it complies with the regulatory requirements set by the laws of the market and the region where it is issued and processed. These are usually regulated by tax authorities or commercial laws. ### **What an e-Invoice looks like** The eInvoice is a tax document that is issued and received in electronic format, complying with the technical and legal requirements established by the tax authorities of each country. The technical requirements, **specifications, and types of electronic invoices may vary according to the legislation of each jurisdiction**, so it is important to consult the specific regulations of the country in question. However, below we will provide an **overview of the common requirements and types of** [**digital invoices**](https://www.tecalis.com/blog/digital-invoice-electronic-certificate-invoices-mandatory-example). **Common technical requirements:** * [**Electronic signature**](https://www.tecalis.com/products/electronic-signature): e-Invoices must have a valid digital signature, which guarantees the authenticity and integrity of the time-stamped document validated by an eIDAS QTSP (Qualified Trust Services Provider). * **Digital certificate**: It is necessary to have a digital certificate issued by a recognized certifying entity to perform the digital signature. Platforms such as Tecalis allow inserting digital certificates in invoices and any type of similar commercial documentation. * **Structured and readable format**: In order to be considered as such in many areas, the electronic invoice must be structured in a specific format that is readable by both people and software, generally based on standards such as **XML (eXtensible Markup Language) or JSON (JavaScript Object Notation).** * **Electronic identification**: Both the issuer and the receiver of the e-Invoice must have a unique electronic identification, which can be a tax identification number or a specific code assigned by the tax authority. KYC and [**Know Your Business**](https://www.tecalis.com/blog/kyb-know-your-business) identity verification methods can be used to further support and guarantee the whole process. ## **About e-Invoicing platforms** There are different types of platforms to manage digital invoices. From those **based on electronic signature, programs such as Tecalis, to free applications from RegTech partners**.  Each of these platforms works in a **different way and presents interfaces with different functionalities**. Beyond document management, which can be done in the company's file storage systems (such as Google Drive, Dropbox or its own servers), the aspects that should be taken into account the most are those related to the **legal validity of the invoices themselves.** This is the most important and complex thing to achieve, since we can find many document and invoice management softwares that are very useful in terms of creating the invoices themselves but do not provide them with any kind of legal backing. **Basic types of electronic invoices** * **Standard electronic invoice:** This is the most common type of electronic invoice, which complies with the technical and legal requirements established by the tax authorities. It contains all the necessary data for invoicing and tax compliance. * **Simplified electronic invoice:** Some legislations allow the issuance of simplified electronic invoices for smaller transactions. These invoices have fewer requirements and contain basic information about the transaction. * **Other specific types:** Depending on tax legislation, there may be other types of electronic invoices, such as credit notes, debit notes, or corrective invoices, which are used to correct or modify previously issued invoices. Remember that this information is general and the technical requirements, specifications and types of electronic invoices may vary from country to country. Therefore, it is important to consult the specific regulations of the country where you wish to issue or receive electronic invoices. For more specific information on all types of e-Invoicing with their technical formats and how they work, visit the first article in our blog "Electronic invoicing: what it is, how to do it and when it will be mandatory". ## **e Invoicing required by law in countries such as Spain** The recently approved Spanish **Crea y Crece Law has generated a great impact in the field of eInvoicing** and the fight against commercial delinquency in Spain. This legislation, which is scheduled to come into force between 2023-2024, seeks to promote digitalization and improve the country's business environment. The Crea y Crece Law makes it **mandatory for all companies, regardless of their size or sector**, **to issue and receive e-Invoices.** The main objective of this measure is to streamline and simplify e-Invoicing processes, reducing the use of paper and the costs associated with document management. In addition, the e-Invoice allows greater traceability and security in commercial transactions. Another highlight of this law is the fight against commercial delinquency. **Maximum payment terms** are established **to avoid unjustified delays in payments between companies, especially small and medium-sized ones**. These deadlines are considerably shortened compared to previous regulations, which will benefit the liquidity of companies and contribute to a more equitable business environment. The digitization of invoicing and the fight against commercial delinquency represent a significant boost for the creation and growth of companies in Spain. By adopting e-Invoicing, companies will be able to optimize their administrative processes, improve efficiency and reduce operating costs. Reducing late payments will also promote confidence and stability in the business environment, thus encouraging investment and job creation. In summary, the entry into force of the Crea y Crece Law represents an important step towards the digitalization of invoicing and the strengthening of the business fabric in Spain. The obligatory nature of electronic invoicing and the fight against commercial delinquency will contribute to a more efficient, equitable, and sustainable business environment, benefiting companies of all sizes and sectors. ## **e Invoices: how to make them correctly** In order to create an e-Invoice correctly, it is important to follow the following steps to create all the fields it must have and include the technical characteristics that make it valid: * **Identification of the issuer and receiver:** Includes the complete data of the issuer of the invoice (name or company name, fiscal address, tax identification number, etc.) and the data of the receiver (name or company name, fiscal address, tax identification number, etc.). * **Issue number and date:** Assigns a unique number to the invoice and specifies the date on which it is issued. * **Detailed description of the products or services:** Clearly and accurately lists the products or services provided, including their quantity, unit price, and any other relevant data such as discounts or applicable taxes. * **Calculation of amounts:** Calculates the total amount to be paid, including the subtotal of the products or services, taxes (such as VAT), and any additional charges. * **Payment method and deadline:** Indicate the payment conditions, such as the accepted payment method (bank transfer, credit card, etc.) and the maximum payment deadline. * **Inclusion of additional data:** Depending on local legislation, you may need to include additional data on the invoice, such as the commercial registration number, the code of economic activity, or any other specific requirement. * **Signature and certification:** Some countries or electronic invoicing systems require a digital signature or electronic certificate to validate the authenticity of the invoice. Make sure you comply with the requirements established in your country. * **Sending and storage:** Send the electronic invoice to the recipient using pre-agreed communication channels, such as e-mail or an electronic data interchange (EDI) system. In addition, keep a copy of the invoice in electronic format for future reference or audits. ## **e-Invoicing platforms such as the CNMC** The **CNMC e-Invoice** refers to the process of **issuing and receiving e-Invoices in electronic format by suppliers and contractors that have a commercial relationship with the CNMC (National Markets and Competition Commission)** in Spain. The CNMC is a body in charge of regulating and supervising markets and economic sectors in the country. Below is an explanation of how the CNMC e-Invoice platform works: The CNMC has made it **mandatory for all suppliers and contractors that carry out commercial transactions with the CNMC to issue and receive electronic invoices**. The purpose of this measure is to promote efficiency, agility, and cost reduction in the invoicing process. Following in the footsteps of the Crea y Crece Law, to which it is necessary to adapt, but which has given a few years of adaptation period, there are organizations such as these that already require it. CNMC electronic invoices must comply with the formats and standards defined by the CNMC. Generally, the **XML (Extensible Markup Language) format** is used**, structured according to the electronic invoice scheme established by the CNMC**. The CNMC usually provides a specific electronic platform or system for the exchange of electronic invoices on **its own website**. Suppliers and contractors must register on this platform and use it to send and receive the corresponding invoices. Once the e-Invoices are received, the CNMC will proceed to their processing and validation. This may include verifying the authenticity of the invoice, checking the consistency of the data and its integration into the CNMC's internal systems. Once validated, the electronic invoices will be considered for the corresponding payment process. The CNMC will make the payment in accordance with the established terms and conditions agreed in the contracts. It is important to note that specific procedures and requirements may vary depending on the policies and regulations in force at the CNMC. Therefore, it is advisable to consult the official CNMC information and follow the guidelines provided by the CNMC in order to issue and manage electronic invoices correctly. ## **What is eFact?** **eFact or e-Fact is the electronic invoicing system used by the General Point of Electronic Invoices of Public Administrations of Catalonia**. In the field of public administration in Catalonia, the system has revolutionized the management of commercial transactions. This innovative platform has streamlined administrative processes, improving efficiency and transparency in the issuance and receipt of e-Invoices. Through eFact, supplier companies can **send their invoices electronically to any of Catalonia's governmental entities**, thus simplifying administrative procedures and optimizing payment processes. The history of eFact dates back to **Law 25/2013, of December 27, on the promotion of electronic invoicing** and the creation of the accounting registry of invoices in the public sector of Catalonia. This law established the basis for the implementation of an electronic invoicing system in Catalan public administrations, with the aim of promoting efficiency, transparency and reducing the use of paper. Since then, **several updates and improvements** have been made **to eFact**, in order to adapt to the changing needs of the public administration and suppliers, including new standards and making it compatible with state formats such as **EDI.** These updates have also incorporated **new functionalities, such as integration with other financial management systems and interoperability with other general electronic invoicing points in Spain**. Suppliers must send their invoices through an online platform, using a **standard XML format defined by the General Point of Electronic Invoices of Catalonia. These invoices are validated and processed by the system, which verifies the authenticity and integrity of the data**. Once validated, the electronic invoices are sent to the corresponding government entities for review and approval. Once approved, the payment process begins, and the supplier receives confirmation that the invoice has been accepted and payment will be made within the established deadlines. The eFact system, or e-Fact, of the General Point of Electronic Invoices of Public Administrations of Catalonia is a good example of how e-Invoicing has transformed the management of invoicing in the field of public administration but also in private companies. Thanks to its implementation, it has been possible to streamline processes, reduce costs and improve transparency in commercial transactions. Undoubtedly, eFact has been an important step towards the modernization and digitization of administrative processes throughout Catalonia. --- ## Utilities: What it is and how it's merging with telecom **URL:** https://www.tecalis.com/blog/utilities-public-services-companies-energy-sector-infrastructure-industry-utility **Descripción:** A major economic sector, utilities' convergence with telecommunications has transformed both industries, creating new opportunities. Utilities play a fundamental role in the **economy**. With **specific rules** and a framework of **regulation** and **government intervention** that has evolved over the years according to the market, the industry has transitioned to a more agile, modern, and **competitive** model. On the other hand, and derived from the current digital economy, the [**telecommunications sector**](https://www.tecalis.com/blog/telecom-telecommunications-industry-companies-telecoms-operator-business-area-industry) has experienced a **significant convergence with various industries**, the most prominent of which is the utilities sector. In this article, we will explore what utilities are, how this sector works, and how it has converged with telecommunications. We will analyze **how this convergence has transformed both industries and given rise to new opportunities and challenges**. ## **What are utilities?** Utilities, also known as **public utilities or public utility companies**, are those entities that maintain and/or **commercially operate infrastructures to provide services through them**. These companies may be privately, publicly, or mixed owned. Utility companies are considered public services because they are necessary for the welfare of society and for the proper functioning of other economic sectors. Regarding the use of the term and how to refer to this type of agent in the economy, the concept "Public Utility Company" is also used as a synonym for "Utility".  The services offered by these public utility companies are **highly regulated and are supervised through control mechanisms**, finding local community models dependent on municipal administrations or even state monopolies (although this has now practically completely changed).  As in the history of the [**telecom industry**](https://www.tecalis.com/industries/telecommunications), we have seen how the liberalization of large public companies has resulted in a **diverse, competitive market with more and more players**, **especially in the last five years.** ### **Utilities industry** The utilities sector is a vital component of the historical and current economy, as it encompasses companies responsible for providing essential basic services to the community that are indispensable to every household. These services include **electricity, gas** (and other forms of **energy**)**, water** and sanitation services. In the past and according to some considerations, they also included [**telephone companies**](https://www.tecalis.com/blog/telephony-telephone-phone-companies-mobile-fiber-best-company-cheap-operator-telecom), **transportation** and sanitation (sewage) services. However, these categories have changed considerably over time, **dividing utilities into three very distinct sectors or industries**: * **Energy:** We currently find joint or separate **electricity and gas** offers and marketers that act by market or at a global level. We will analyze them later on. * **Telecommunications:** Telecoms ceased to be considered as public utility companies given their diversified offer of products and services as well as the boom of different tariffs with or without internet, cable TV and other associated products. * [**Transport and mobility**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing)**: In this** area, the utility consideration was due to public transport networks and communication infrastructures (roads, highways, etc.). * **Supply:** In terms of water supply, utilities extract water from natural sources, such as rivers or aquifers, and treat it to make it potable. It is then distributed through a network of pipes to end consumers. In many cases mixed, they are not competitive enough to be considered in today's new understanding of utilities. Therefore, as of today we can say that the use of the term for the **utilities sector is the ecosystem of companies that offer electricity and gas services**. **90% of the use of this term is to refer to these players in the energy sector**, leaving aside infrastructure builders, telecoms, transport and water supplies, adopting a **great relevance** within what we consider to be utility **companies in the energy area**. ## **Utility companies** The role of energy traders in the energy sector is fundamental to the dynamics and functioning of the energy market. Energy trading companies are **utilities in charge of buying and selling electricity, natural gas, or other types of energy to end consumers**, such as households, companies, and institutions. Traders act as **intermediaries between energy producers and end consumers, facilitating the transaction and ensuring a constant supply of energy**. Below are some key aspects of the role of traders in the energy sector: * **Supply and contracting**: Retailers offer consumers a variety of options for acquiring energy. Consumers can choose between **different tariffs, contracts, and supply modalities, according to their needs and preferences**. The marketers **manage the contractual relationship with consumers** and are responsible for establishing long-term supply agreements with energy producers. * **Energy management**: The traders are responsible for administering and managing the energy they acquire from the producers. This involves coordinating the logistics of transporting and **distributing energy**, as well as ensuring a constant and reliable supply. Traders are also responsible for demand management, balancing energy supply and demand in real-time. * **Prices and billing**: Retailers determine the prices of the energy they sell to end consumers. These prices may vary depending on factors such as market supply and demand, production and distribution costs, as well as regulatory conditions. In addition, **marketers issue invoices to consumers, detailing energy consumption and the corresponding charges**. * **Customer service**: Retailers provide customer service, advice, and technical support to end consumers. Consumers can contact retailers to resolve doubts, **manage contracts, request supply changes, or report incidents**. Retailers are also responsible for measuring and managing customers' energy consumption, offering monitoring and control tools. In short, traders play an essential role in the energy sector by facilitating the purchase and sale of energy between producers and end consumers. Their role ranges from supply and contract management to customer service and the promotion of energy efficiency. **Marketers are key to ensuring an efficient, competitive, and accessible energy market for all consumers**. ## **Tools for customer acquisition in utilities** As we have seen, utilities now compete in a liberalized market where an increasing number of players are emerging with different proposals and product and service ranges. In order to compete and achieve results, they **must have the best tools at a commercial level to consolidate new contract closings**. In an increasingly competitive business environment, utilities are constantly looking for ways to improve their competitive advantage. A key strategy is **effective customer acquisition, and in the digital age, digital onboarding and RegTech (regulatory technology) tools play a key role**.  [**Digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) refers to the process of onboarding new customers digitally, eliminating the need for manual paperwork and streamlining the onboarding process. In the utilities sector, this involves **allowing customers to register, request services, and complete administrative processes completely online**. The adoption of digital onboarding at utilities offers numerous benefits, such as a **faster and more convenient onboarding experience for customers, reduction of errors and lost documents, and the ability to collect important data efficiently**. By automating and digitizing the customer acquisition process, utilities can improve customer satisfaction and increase operational efficiency. In addition, this is key for highly regulated industries such as the utilities sector. These software include **Know Your Customer verification processes that help companies avoid risk, reduce fraud and comply with the most demanding regulatory mandates in each market**. [**Electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) platforms are key tools in customer acquisition in the utilities sector. It **allows customers to sign contracts and other documents electronically**, eliminating the need for physical documents and facilitating the completion of transactions online. Combined with digital onboarding, it allows to optimize processes and create new use cases of seamless contracting and instantaneous service discharge if possible thanks to **AML controls within the same flow**. ### **Shared tools between BFSI, telecommunications, and utilities sector** All these tools are integrated into **Commercial Hubs that are used in physical points of sale, in the telematic channel (call centers), and in the various online channels**.  All these tools are shared by the **BFSI** industries (Banking, Finance, Insurance), **telecommunications companies,** and **utilities**. In them, they can find synergies to **cross-sell and share data between companies from these different areas allied in partnerships to improve their numbers and sales capacity**. We can find **sales and distribution channels selling with the same digital tool** (the one used by sales and marketing managers, commercial agents, and users to sign contracts) joint or separate solutions from any of the allied players in these three industries. ## **Utilities and telecom industries** In recent years, **the liberalization of both areas and the digitalization of their service offerings have driven the convergence between the utilities and telecommunications sectors**.  Utilities have adopted telecommunications technologies to improve the efficiency of their operations and provide better service to consumers. For example, they have implemented **smart communication networks that allow them to remotely monitor and control their supply systems**. These networks use technologies such as telemetry and smart sensors to collect real-time data on consumption, service quality, and potential network failures. In **addition, the convergence between utilities and telecoms has enabled the development of innovative services for consumers.** For example, utilities can now offer their customers energy management tools through their customer apps that are accessed with SCA log-in [**authentication**](https://www.tecalis.com/blog/authentication-what-is-process-methods-systems-security-verification-works) systems, allowing them to monitor their consumption and optimize their energy efficiency through **mobile applications or online platforms.** While the convergence between utilities and telecommunications has brought with it **numerous opportunities**, it has also posed significant challenges for both industries. ## **Cross-sales and partnerships utility and telecom** As utilities have become more dependent on communication networks for monitoring and control of their systems, they have also become more vulnerable to cyber-attacks. It is critical that utilities implement appropriate security measures to protect their networks and the critical infrastructure they manage. Some of the attacks enter through your own systems related to new customer onboarding. Therefore, **establishing** [**identity and anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) **in digital customer onboarding processes is critical**. Another challenge is the integration of the different technologies and systems used in telecommunications and utilities. **Convergence requires close collaboration between experts in both sectors to ensure interoperability and seamless integration of the different platforms and systems**. A solution to this challenge has been found thanks to the new [**RPA Robot Process Automation systems and applications**](https://www.tecalis.com/products/rpa-automation) that are capable of creating simple connectors to ensure this connection between parts. In terms of **opportunities**, convergence has allowed utilities to **diversify their offerings** and generate new sources of revenue. For example, some **utilities have ventured into the supply of telecommunications services and vice versa**, such as the provision of broadband Internet through their electricity grids. In addition, convergence has opened the door to the creation of smart grids, which **combine energy and telecommunications infrastructures to optimize energy generation, distribution and consumption.** These grids enable more efficient energy management, promoting the integration of renewable energy sources and facilitating the active participation of consumers in demand management. Convergence between the utilities and telecommunications sectors has been a significant trend in recent years. This convergence has enabled utilities to adopt telecommunications technologies to improve the efficiency of their operations and offer new services to consumers. At the same time, it has created challenges in terms of cyber security and technology integration. It will be essential for companies in both sectors to collaborate closely, **taking advantage of RegTech tools that both areas can use together** and gain new opportunities that this convergence offers to build a more sustainable and resource-efficient future. --- ## eSignature: How does an electronic signature work? **URL:** https://www.tecalis.com/blog/esignature-what-is-e-signature-electronic-works-esign-signatures-esignatures **Descripción:** The eSignature is used to digitally sign documents in compliance with eIDAS electronic signature standards. Find out all about this tool. eSignature systems have reshaped the way of **closing deals and contracting products** both online and in face-to-face environments. While the vast majority will have already begun to use these [**electronic signature platforms**](https://www.tecalis.com/products/electronic-signature), there are still some companies and professionals who have not yet adapted to this new standard. In an increasingly digitized economy, and thanks to the possibilities of new **web platforms in SaaS format**, new **eSignature** models and approaches **with different features and functionalities** have emerged. Below we will analyze the term, delve into the process of signing documents that can be done with this system, and **what should not be missing in e-Signature solutions for companies and individuals**. ## **What is an eSignature?** eSignature is a **legally accepted format for signing documents digitally**, eliminating the need to print, manually sign and scan physical documents. These elements of the traditional way of signing documents were easily forgeable and did not constitute valid evidence in court, with very little probative value in the event of a dispute. **eSignatures are used to authenticate the signer's identity and guarantee the integrity of the document** and the linked files, if any. There are different methodologies for their creation with different platforms and companies that offer systems to send documents and have them digitally signed. As for the term, **eSignature is an absolute synonym for the concept of** [**electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature), regulated by national and international standards, which must comply with a series of technical and formal characteristics in order to be considered as such.  ### **Electronic signature and eSign** Just as we find different denominations to refer to the electronic signature, we also find the terms [**Digital Signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents), Online Signature, and eSign.  The **Online Signature** can be understood specifically as the process of electronic signature in an online channel; that is, **through the Internet** and generally in free **web applications** of which many do not comply with the regulation. As for the **digital signature**, this can be developed anywhere and the concept acts as a **synonym of electronic signature in its generalized use**, although the term **electronic signature is included in the laws and regulations that regulate this standard**. Although for the exercise of the electronic signature, we need a device with an Internet connection, we can make a digital signature in a store, through a request sent by an agent in a phone call, or in a device that is provided to us in the street.  When we talk about [**Online Signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf) we are closer to examples such as the signing of an **insurance contract when we contract it directly through the Internet without going to a physical commercial office** or without calling a commercial agent in a call center.  Regarding the name eSign or e-Sign (also written e Sign without hyphen in many occasions) it is simply an abbreviation of eSignature, e-Signature, or e Signature. ## **How e-Signatures work** **e-Signatures work by using cryptographic technologies** to ensure the **authenticity, integrity and non-repudiation of the signed document**. These technologies allow the electronic signature to be **legally binding and to comply with security and privacy requirements**. In the same way, e-Signatures are performed by RegTech partners that have [**QTSP qualified trust service provider**](https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas) status, they can offer advanced and qualified electronic signature services using the technology to comply with eIDAS standards that mark how this provider should proceed. When a document is signed with an eSignature, **a unique, encrypted code is generated and attached to the document**. This code, along with other relevant metadata, is used to verify the authenticity of the signature and the document itself. **It is linked to the timestamp and attached to an audit trail that gives evidentiary capacity to the entire process**. In addition, a digital certificate can optionally be used to support the signer's identity with other methods and ensure the integrity of the signing process. The insertion of the digital certificate can be replaced by an identity verification performed through the Know Your Customer standard, with active and passive proof of life also recognized by the regulation and which is even more secure than a digital certificate as it is done in real-time and reliably verifies that the user who is interacting is who he/she claims to be. ## **How to sign documents with eSignature** Signing a document with eSignature is a **simple and efficient process**. Generally, a similar workflow is followed in most eSignature solutions. These electronic signature tools allow individuals and organizations to sign documents digitally, eliminating the need to print, scan or send physical documents. These solutions offer a secure and legally valid way to sign contracts, agreements, and other types of important documents. Below we explain in a basic way and from a generalist perspective the steps to sign a document with eSignature: 1. **Select the right eSignature solution**: There are a number of eSignature solutions on the market, both free and paid. It is important to choose a solution that meets your needs and complies with legal and security requirements. 2. **Upload the document**: Upload the document you wish to sign to the e-Signature platform. It can be a PDF file or another compatible format. 3. **Sending and signer identification**: The eSignature system will request signer identification upon reaching the signer through a number of proposed channels (email, SMS, messaging apps, QR...). This may include entering personal information or using additional authentication methods such as passwords, a KYC process, or OTP verification codes. 4. **Electronic signature**: Once the signer's identity has been verified, the document will be displayed for electronic signature. The signer can use the mouse, a touch screen, or even a stylus (Wacom tablets for example connected to a POS terminal) to digitally sign the document. 5. **Verification and completion**: Once the electronic signature has been applied, the system generates a unique code and a time stamp to verify the signature. The signed document is ready to be downloaded or sent to other involved parties along with the audit document in compliant eSignature solutions. ## **How do the best e Signature solutions look like** The **best eSignature solutions share several key characteristics** that distinguish them. It should be remembered that many solutions that are sold as such are not really an electronic signature and opt to simply embed an image of a person's signature on a document, something that has no legal backing or legal validity whatsoever. Here are some features typically found in the best eSignature solutions: 1. **Robust security:** eSignature's superior solutions implement advanced security measures such as end-to-end encryption, digital certificates, two-factor authentication, and fraud protection to ensure the integrity and authenticity of electronically signed documents or even validation of identity documentation with **KYB Know Your Business** and advanced OCR techniques. 2. **Legal and regulatory compliance:** eSignature's best-of-breed solutions adhere to legal standards and regulations for electronic signatures in various jurisdictions and markets. This includes compliance with laws such as the [**eIDAS (electronic IDentification, Authentication and trust Services) Regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) in the European Union or the ESIGN Act in the United States. 3. **Audit and traceability:** eSignature solutions record signature-related events, such as who signed the document, and when and from which device, providing an audit trail and traceability even of subsequent alterations if made. 4. **Intuitive user experience:** A good e-Signature solution should be easy to use for both the sender and the receiver of the document. It should offer an intuitive, user-oriented interface with clear instructions on how to sign or send documents. 5. **Digital workflow:** These solutions allow sending and receiving documents for signature electronically, but must offer parallel, passive, and sequential sending solutions to suit the use cases of the companies launching the requests. 6. **Signature flexibility:** The best eSignature solutions offer different signature methods, such as typing with a finger or mouse, uploading a signature image, or using digital certificates. This allows the signing parties to choose the option that is most convenient for them. On the other hand, they should also provide a choice between simple, advanced, qualified, biometric, and certified communication signatures. 7. **Integration and compatibility:** Effective solutions are easily integrated with other tools and systems, such as document management software, cloud services, and proprietary and third-party business applications. This facilitates the incorporation of digital signatures into existing workflows and improves operational efficiency. 8. **Additional functionalities:** The best eSignature solutions typically offer additional features such as signature reminders, document tracking, secure long-term storage, the ability to send multiple documents in a single package (envelopes), and customization options to suit the specific needs of each organization. 9. **Reliable customer support:** A quality solution provider must offer good customer service, with reliable technical support and timely response to queries and problems that may arise. Likewise, it must act as a compliance partner for its customers by acting as a trusted third party or third-party interposer to ensure non-repudiation and fulfill its responsibility as a supplier. Remember that choosing the best eSignature solution will depend on your specific needs and requirements. It is advisable to research and compare different providers to find the option that best suits your particular needs. ## **e-Signature for business** Enterprise-specific e-Signature and e-Signature solutions offer functionalities and features **tailored to the business needs and use cases of each industry and sector**. These tools are designed to streamline the workflows of the professionals in the different areas that need to use them: * **Contracting, customer onboarding, and sales:** eSignature solutions are widely used in contracting and sales processes. For example, in the real estate sector, companies can use eSignature to sign leases, purchase and sale agreements, and other documents related to real estate transactions. In the financial sector, institutions can use electronic signatures to sign loan contracts, bank account openings, and insurance contracts. These solutions streamline the signing process, reduce waiting times and allow deals to be closed more quickly and securely thanks to KYC/AML controls associated with these electronic contract signatures. * **Human resources:** In the human resources department, e-signature solutions are used to streamline the processes of hiring, personnel management, and company benefits administration. For example, employees can digitally sign employment contracts, non-disclosure agreements (NDAs), and consent forms. In addition, e-Signature allows employees to electronically sign documents related to benefits administration, such as enrollment forms for health plans or retirement plans, as well as remote sign-ins for employees working in physical locations other than offices. * **Accounting department:** The accounting department has great relevance in approval processes and signing of financial documents. Companies can use electronic signatures to electronically sign invoices, purchase orders, and supplier contracts.  * **Supply chain and purchasing:** In the field of supply chain and purchasing, it allows streamlining procurement and contracting processes with suppliers. Operations such as signing supply contracts, service agreements, and purchase orders are carried out with eSignature. This facilitates collaboration with suppliers, reduces lead times, and improves efficiency in supply chain management. * **Customer care and after-sales service:** In customer care and after-sales service, we see use cases for electronically signing service contracts, service level agreements (SLAs), and consent forms.eSignature facilitates the management and secure storage of signed documents for future reference. On the other hand, a great functionality of eSignature solutions, electronic notification, is essential in sectors such as insurance to send certified communications about the end of the contract or termination of parties, and also in utilities to communicate the non-delivery of the supply. Enterprise e-signature solutions enable **administrators** to **manage and control e-signature activities across the organization from a single, centralized platform**. This includes the ability to **configure** signature **policies**, set user **permissions**, assign **roles,** and track the status of documents being signed. These solutions **integrate with existing business systems and applications**, such as document management systems (DMS), human resources systems, collaboration platforms, and other tools used in the organization, both proprietary and third-party. This facilitates the **easy incorporation of electronic signatures into existing workflows and operations** with greatly improved productivity and reduced costs. In terms of **personalization and branding**, eSignature's enterprise tools include customization options to match the company's brand identity. This includes the ability to **add custom logos, colors, and styles to emails and user interfaces**, helping to maintain a consistent company image across all communications to customers and other stakeholders. It is important to note that the **specific features may vary depending on the enterprise eSignature solution provider**. It is advisable to evaluate different options and consider the specific needs and requirements of the organization before selecting a solution, asking the experts of each company. --- ## Types of electronic signatures: what are they and use cases? **URL:** https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose **Descripción:** There are three types of electronic signatures according to the eIDAS regulation, however, we can find other formats that reinforce them: up to eight. Without a doubt, electronic signatures have become an **essential tool** for any company, business or professional. Knowing what the different types of electronic signatures are is essential to be able to correctly use the applications and systems with which to make document signature requests through electronic means.  Thanks to these systems, companies have obtained **great competitive advantages** and have taken advantage of all the benefits of making the leap from an antiquated model to a **paperless, agile and much more secure and guaranteeing** one. Below, we will explain how many types of electronic signatures exist, go into detail about each of them and explore the use cases **where they should be applied**. ## **How many types of electronic signatures are there?** **Electronic signatures** and their different standards are defined by **national and international regulations that regulate** both their **technical characteristics** and their **use**. Each type of electronic signature is designed to meet **specific requirements for security, legal validity, and levels of trust** in different contexts, use cases, and jurisdictions. The different types of electronic signatures are the **ways in which the identification of the signer, computer security, and evidentiary capacity can be implemented** in the [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) of documents.  The software tools that offer the possibility of using these standards implement methods to confirm that the person who receives and signs the document is who he/she claims to be, including **cryptographic techniques to seal evidence of the entire process** (device, methods, dates...) and guarantee **non-repudiation with computer techniques for sending through digital channels** of all kinds. Electronic signature types provide **varying levels of security**. Some types, such as the simple electronic signature, provide basic authentication, while others, such as the qualified electronic signature, provide a higher level of security backed by official bodies and digital certificates issued by trusted certification authorities and supported by public institutions. The **legal validity of a digital signature may vary according to jurisdiction and country-specific laws**. Some types of electronic signatures, such as qualified electronic signatures, are supported by specific regulations and legal frameworks that give them stronger legal validity for dealings with the public administration. In contrast, simple electronic signatures may have limited legal recognition or may not be supported by specific regulations. **Confidence in the authenticity and integrity** of an electronic signature varies according to the type of signature used. Advanced electronic signatures provide a higher level of confidence due to the use of **advanced cryptographic algorithms**, making it more **difficult to forge or modify the signature**. Depending on the type of electronic signatures, **different technologies and systems may be required for their implementation**. Some types may require **biometric devices or public key infrastructures (PKI)** to ensure adequate authentication and security. These implementation requirements may influence the choice of the type of electronic signature according to the capabilities and resources available as well as by the **type of operation and its level of risk**. Each type of electronic signature is designed to fit the needs of a specific set of transactions and use cases. For example, simple electronic signatures may be **sufficient for informal agreements or personal documents**, while **biometric advanced electronic signatures** are used **in legal transactions and notarized documents where full legal validity is required**. In summary, the different types of [**electronic signatures**](https://www.tecalis.com/products/electronic-signature) exist to adapt to different levels of security, legal validity, trust, and implementation requirements. These vary according to the market or country where we are and you should **consult with our RegTech electronic signature partner if the solution they are providing complies with industry regulations and is correct for the operations and conditions in which it will be used**. By choosing the right type of electronic signature, the authenticity, integrity and validity of the signed documents can be guaranteed, providing confidence both to the parties involved and to the regulatory authorities, as well as having evidentiary capacity before a court in the event of a dispute. ### **Types of electronic signatures according to eIDAS** The [**eIDAS regulation (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) is the **European regulation that sets the standards** under which the use of electronic signatures is valid within the EU (the 27 member states of the European Union). This regulation marked a before and after not only in the EU but also in the whole world for its pioneering proposal regarding remote user identification and the guarantees of secure electronic transactions. All member states of the European Union have transposed the regulation to their national jurisdictions with minimum standards on what eIDAS sets. In this way, a **common European framework** has been created in **which to operate under the same rules and be able to offer services and operate in a market of 500 million people.** Despite the European nature of this regulation, this standard is followed by the authorities of the **United Kingdom, Switzerland, and Norway**, where **eIDAS** has been taken **as a reference for drafting their own laws** addressing the types of electronic signatures and their formal characteristics. Moreover, thanks to its pioneering nature and being one of the first regulations in the world in this regard (and the most complete and detailed to date), **eIDAS is used as the reference by all countries in the world to guide the regulation of electronic signatures**. On the other side of the pond, in the United States we must look at the **UETA (Uniform Electronic Transactions Act)** and **E-Sign Act** (Electronic Signatures in Global and National Commerce Act). In Latin American countries such as **Mexico,** the types of electronic signature are regulated by the Federal Commerce Code (which indicates **standards practically homologous to those of eIDAS: Simple, Advanced, and Biometric**), while in Argentina we find specific Digital Signature laws. Peru also adds the eIDAS specification of unequivocally linking the user's signature to the document and defines as a digital signature the previous typology but including symmetric cryptographic techniques. **eIDAS marks three types of electronic signature: Simple, Advanced, and Qualified.** These types of digital signatures are defined in the regulation and in the laws and regulations that have transposed it under a series of minimum requirements to be considered as such, and each one has a different legal implication, evidentiary capacity, and formal purpose. For their part, the **best qualified QTSP** and RegTech partners have decided to offer a **wide variety of digital signature types to not only comply with these standards but to expand their capabilities and be useful in all kinds of circumstances according to the nature and needs of the operations and business activity of all industries**. Below, we list and explain in detail all types of electronic signatures: ## **Simple electronic signature** The [**simple electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation) (SES) is a type of digital signature that can be used to sign electronic documents. It is **the most basic type of electronic signature recognized by eIDAS** and is used to verify the signer's identity and ensure the integrity of the document. SES is based on the **authenticity of the signatory, which can be verified by comparing the signature with the signatory's basic identification data**. **It is commonly used in low-risk cases, such as signing service contracts, non-disclosure agreements, or accepting terms and conditions of websites**. It is considered a form of digital signature that is not as secure as other electronic signature formats, but is suitable for minor documents. **An example of the use of the simple electronic signature type is in the facility services sector**. It can be used to request and approve vacation days, accept GDPR conditions or **send simple notes or invitations to events**. It is important to note that the simple electronic signature is regulated by specific laws in each country that define its use and legal validity although it does not provide legal support for medium or high-risk operations. In some countries, the SES can be used in legal processes, while in others it can only be used in minor cases, the latter being the case in Europe and America. ## **Single signature with double factor** The simple signature with double factor is a type of digital signature that **includes authentication options for the signer through OTP passwords with time stamp**. It is based on the previous standard (the **simple electronic signature**), but applies a series of **additional tools** to ensure **greater confidence in certain transactions**. Its use is indicated in very low-risk operations but where the identification of the signer can be key in case of a dispute. It can be used to sign emails or low-level notarial documents, to **log in to apps or web platforms, as an access control pin to sensitive facilities or to validate the inventory of a holiday apartment when a real estate agent is not present.** ## **Simple certified electronic signature** Like the previous type of digital signature, this format adapts the simple electronic signature and **includes the insertion of time stamps in various parts of the signing process in addition to a usable digital certificate**. The main difference with the two-factor type is that it uses a digital certificate instead of the OTP key to add that extra guarantee of identity verification of the signer. Like all types of electronic signatures based on digital certificates, it is especially useful for procedures with public administrations or counterpart institutions. **Use cases such as submitting a university registration form, making donations to an NGO, or signing a medical informed consent form in the public health system stand out.** ## **SMS OTP signature** This variant of the simple two-factor signature relies **on a telephone line registered in the signatory's name**. It is simple and traceable by the authorities, including controls based on telephone operator checks. In this type of digital signature, an OTP code is sent in a certified form to the signatory's MSISDN device. The security of this electronic signature format is considered high, so it enables low-risk **banking transactions** standardized under **PSD2 standards** and also allows **secure access according to SCA (Strong Customer Authentication) standards**. In a banking app, it would be used to **change personal data such as address** or other simple data, and in SaaS platforms, it is used to register new users securely when a contracting process is not going to be carried out, where in such circumstances more secure formats are recommended, as we will see below. ## **Advanced Electronic Signature** The [**Advanced Electronic Signature (AES)**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) is an electronic signature method that complies with the legal requirements established in the eIDAS Regulation in the European Union. It is a reliable and versatile mechanism to guarantee the authenticity and integrity of electronic documents and messages. **The advanced electronic signature is linked to the signer's identity and allows for verifying its authenticity.** Although the intervention of a Certification Authority (CA) is not required to issue digital certificates, it is still necessary to **have reliable means to ensure the signer's identity**. This type of electronic signature ensures the integrity of the signed document or message, which means that any changes made to the content after the signature will be detected. It also **provides a level of non-repudiation that makes it difficult for the signer to deny having received and/or signed the document**. It is essential for use cases such as: * **Contracts and commercial agreements:** The advanced electronic signature is used in the signing of contracts and commercial agreements, both in business-to-business transactions and in interactions with customers. It streamlines processes, reduces the need for paper documents, and improves efficiency. * **Financial transactions:** This type of digital signature is used in the financial field for signing documents related to loans, investment agreements, and banking transactions. It facilitates secure and efficient electronic transactions, saving time and resources. * **Public administration:** AES is applied in interactions between citizens and government agencies, enabling the electronic submission of documents, formalities, and declarations. It simplifies administrative procedures and improves the efficiency of the public sector. ## **Advanced Biometric Signature** The advanced biometric signature is a versatile and secure solution that includes the **reliable identification of the signer under very exhaustive technical standards defined by eIDAS regulations**. It is a variant of the previous type of electronic signature that implements the **uploading of patterns and biometric information of the user locally to encrypt private keys with custody at the official site**. It includes a **full fingerprint and end-to-end traceability** of the entire process. By using **biometric identification techniques to support the identification of the** parties, it generates an unequivocal link of the signer's identity to the document, providing truly superior **evidentiary guarantees.** It can be used for such purposes as **contracting travel insurance, carrying out certain bureaucratic procedures both in public institutions and with private companies, as well as the purchase and sale of real estate.** On numerous occasions, it has been used with great success for the approval of projects between companies. ## **SMS OTP Certificate Signatures** This variant of the certificate signature and authentication method through SMS OTP is a perfect option for **signing contracts in commercial processes that have operational implications**. It has full legal support by working with digital certificates officially recognized and endorsed in **more than 50 countries**. A very useful use case is the **contracting of services (telco, utilities, BFSI...) remotely through the telephone channel (call-center sales)**. It allows you to request payments quickly and to send forms to request **vehicle rental (including insurance that accompanies this service)**. It is very simple and has one of the best backup agility ratios. ## **Advanced Biometric Certified Signature** As far as electronic signatures are concerned, this is the **most complete method** that can be offered. With **reliable and unequivocal identification of the signer** and backed by the most demanding regulations in force, it is the preferred option for banking institutions. **Indicated for the highest risk levels**, it includes key features such as time stamps at all stages, advanced biometric patterns, encryption and the use of digital certificates. Certificates can be official electronic or single-use, with the highest probative value and recognized by courts in jurisdictions of all continents as they far exceed the minimum required by the most demanding regulations.  **It is used to contract a home insurance policy remotely or in person, for postulation and arbitration procedures or the signing of SEPA mandates.** ## **Advanced Biometric Certified eSignatures with KYC** This procedure is not really a type of electronic signature, it is the **fusion of the electronic signature together with the Know Your Customer standard**. A KYC identity verification process is performed under **AML6 and eIDAS** standards **validated by Tecalis as QTSP (Trusted Third Party)**, with **active and passive proof of life** and **reliable validation of documentation** (KYB techniques can be included not only for validation of identity documentation but also official documents of the public administration or other commercial documents with evidentiary validity).  All this is done in an absolutely agile and simple way, **taking no more than 2 minutes for the user,** and is integrated and sealed together in the final audit report together with the biometric advanced electronic signature. A **single package certified by a Qualified Trust Services Provider that includes the highest capacity of identity and documentation verification together with the most secure electronic signature**. The KYC standard is **widely recognized around the world and is recommended by institutions such as the FATF-FATF**. This process is suitable for **remote bank account openings**, high-level international agreements, acquisitions, and **B2B operations of any risk level** and **instant online customer registration with immediate activation of services** thanks to the dozens of anti-fraud and AML controls performed. With full legal support and no risk for any of the parties involved. ## **Qualified Electronic Signature (QES)** The [**Qualified Electronic Signature (QES)**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies) is the highest level of electronic signature recognized and regulated by the EU eIDAS Regulation. **The qualified electronic signature is suitable for transactions with the public administration**. **It is uniquely linked to the identity of the signatory with a qualified certificate issued by official electronic means and a certification authority** and is used to verify its authenticity. The qualified electronic signature is based on a **trusted public key infrastructure (PKI)**. This infrastructure includes the issuance and management of qualified certificates, which are generated and stored securely. The qualified electronic signature uses advanced cryptographic techniques to guarantee the integrity and confidentiality of the signed documents. The signer's identity is established through a **qualified certificate issued by a Certification Authority accredited by the institutions**. The privacy of the keys and the authenticity of the signatures are protected through the use of qualified certificates and strong cryptographic algorithms. The qualified electronic signature **is applied in interactions between citizens and government agencies in the submission of electronic applications, formalities and declarations**. It facilitates interoperability and efficiency in administrative processes such as **applying for competitive public jobs, paying taxes or submitting government reports to various state and regional administrations**. According to a report by the European Commission, the use of qualified electronic signatures in Europe has increased significantly in recent years, with more than 68 million electronic transactions carried out using qualified electronic signatures in 2019. In healthcare, qualified electronic signatures are used to guarantee the authenticity and integrity of electronic medical data, and it is estimated that they can save up to 1.4 million working hours in the European healthcare sector per year, according to a study by the European Commission. ## **What types of digital signatures to use** A market study by Allied Market Research forecasts that the global e-signature market will grow at a compound annual growth rate of 24.6% between 2021 and 2028, driven by the adoption of qualified e-signatures in various industries. In the financial sector, it is estimated that the adoption of qualified electronic signatures can reduce processing costs by 80% and cut turnaround times from days to minutes, according to a PwC report. The types of electronic signatures to be used **will depend on the operation to be carried out, the needs of the industry to which the business belongs, and the market and legal framework of the location or locations where these operations are carried out.** ## **Choosing an e-signature solution with all types of electronic signatures** It should be noted that many of the [**online signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf) solutions presented on Internet websites do not comply with any of the previous types of digital signatures that we have described. They are web tools that only insert the signature as an image in a document of various formats, something that neither performs cryptographic controls to prevent the alteration of the information in the document nor in any way links the identity of the signer to it. When making the decision to choose a suitable electronic signature solution**, we must take into account**: 1. **Security**: Make sure that the electronic signature tool guarantees high levels of computer and data security, in addition to those aspects related to the formal exercise of the formats and types of digital signatures. Verify if it uses robust cryptographic algorithms, such as RSA or ECC, to protect the integrity of the signed documents. It also verifies how the users' private keys are handled and protected during the signing process. 2. **Regulatory compliance:** Verify that the tool complies with the relevant legal regulations and standards in your jurisdiction or those in which you provide services. Confirm that the tool is aligned with the guidelines set by regulatory bodies, such as the eIDAS Regulation in the European Union or local e-signature laws. 3. **Integrations and compatibility:** Evaluate the tool's ability to integrate with your existing systems. Check if it offers support for a wide range of document formats, such as PDF, Word, or any other format used in your workflow. 4. **User experience and functionality:** Consider ease of use for both signers and administrators. Check if the tool provides an intuitive and customizable interface, and if it includes clear guides to facilitate the e-signing process. Keep in mind that it should be updated and grow with your business as well as incorporate basic functions such as envelopes, templates, and other essential tools for daily work with e-signature-type tools like these. 5. **Verification and auditing**: Ensure that the tool provides electronic signature verification mechanisms, identity assurance with document validation, and auditing options to track and audit transactions. This is especially relevant when detailed tracking of e-signature activities is required or in highly regulated industries such as BFSI, telecom, or utilities. 6. **Technical support and customer service:** Evaluates the quality and availability of technical support and customer service offered by the supplier of the electronic signature tool. Check if they are available to solve technical problems or doubts related to the implementation and use of the tool by asking about the SLA levels offered according to the contracted plan. 7. **Price:** Consider the pricing model of the tool, including the costs associated with the number of users, volume of transactions, or any additional features required. Be sure to evaluate the price in relation to the value and benefits the tool provides versus other similar tools. --- ## How to digitally sign a PDF with electronic signature: steps **URL:** https://www.tecalis.com/blog/how-to-sign-pdf-digitally-electronically-signature-electronic-digital-document-signing-word-iphone **Descripción:** There are several ways to electronically sign a PDF or Word document. The most recommended is to use digital document signing and electronic signature. Online document signing systems are widely used in all kinds of procedures, both personal and business. They are **especially relevant in dealings with public administrations**, both local, regional, and national. One of the advantages of signing documents electronically is that it allows us to act on the Internet **quickly and securely**, without the need to present physical documentation and with validity in the eyes of governments, which is very useful in the current economic and social context. In this article, we explain how to sign a PDF document electronically, so that you can carry out **procedures and sign electronic documents with total security and legal validity**. In addition, we will explore other ways to sign pdf and documents in RegTech platforms and we will delve into the real use we can make of digital certificates. ## **What is a digital signature?** First, let's review what a [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) is: a method of **signing documents with cryptographic mechanisms that guarantee the integrity and authenticity of an electronic document**. The digital signature and the digital certificate can be linked and **certify the identity** of a natural or legal person with a public key. The digital signature works as follows: when we are about to sign a document electronically, a cryptographic code is created and added to the document. This **code is generated from the private key of the digital signing, which only the signer knows**. In this way, the digital signature guarantees that the document has not been modified since it was signed, and that it has been signed by the person who holds the digital signature, whom it identifies and owns in a non-transferable way. ### **Electronic signature systems and digital certificates** There are different electronic signature systems to sign pdf online, which vary according to their level of security and legal support. The most commonly used electronic signature systems are: * **Simple electronic signature**: This is the simplest and most basic type of signature recognized by eIDAS, the European regulation that establishes the use of digital signatures. It does not have legal validity in all cases, although it can be useful for signing internal company documents. * **Biometric advanced electronic signature**: This signature is made digitally issued by a recognized certification entity. The advanced electronic signature has legal validity in all cases if it is applied with the appropriate techniques. The advanced electronic signature has the same legal value as a handwritten signature and is used to sign documents for high-risk processes that require an evidentiary character in case of a dispute. * **Qualified electronic signature:** Links a qualified digital certificate to the document and signature process, which is issued after a face-to-face verification of the certificate holder's identity at a qualified certification authority. It is generally used to sign official documents and procedures with the public administration; outside this field, it is better to opt for the advanced electronic signature. There are many other variants of these systems, and the best solutions for signing digitally have a total of up to eight [**electronic signature types**](https://www.tecalis.com/blog/electronic-signatures-what-are-types-plans-choose-contract). To sign a PDF document electronically, it is necessary to have a recognized and valid digital certificate, which can be issued by different certifying entities. ## **Digital Signature and Digital Certificate** As we have already mentioned, a **digital certificate is an electronic file, file, or document that links the identity of a natural or legal person with a public key**. Official identity documents with a chip that includes passwords provided by public authorities at the electronic headquarters (police stations, government offices, authorized institutions, etc.) can also be considered as a physical-digital certificate. In countries like Spain, there are two types of digital certificates: the one from the Fábrica Nacional de Moneda y Timbre (FNMT) and the ones we mentioned before, which are included in the clip of the electronic National Identity Document (DNI). The first one is the most common, and both **verify the real identity of the owner unequivocally through digital and electronic means (internet), to be able to operate online and identify himself as a natural person**. We have therefore a hardware option and another one to sign pdf with software digital electronic tools. It is common to find differences between electronic signatures, digital signatures, and digital certificates. Therefore, many users wonder about the difference between digital signatures and digital certificates. While the digital certificate is the file, file or document that allows the identification of a natural or legal person, the **digital signature is the process itself of inserting in a document an element that unequivocally guarantees the identity of the signer of the document (which can be a digital certificate or another option such as a KYC verification with handwritten signature, OTP, etc.)**.  The combination of digital signature and digital certificate makes it possible to guarantee the authenticity of an electronic document or a digitally certified communication so that it is possible to **verify that it has been signed by the person holding the digital certificate and that it has not been modified since it was signed**. Signing documents digitally is used to generate the private key that is used to sign the electronic document. **The private key is only known by the electronic signature holder and is used to generate a cryptographic code that is added to the digitally certified document to** guarantee that it has not been altered, that it is original, and that the person who signed it is who he/she claims to be. ## **How to sign a Word or PDF document** On many occasions, you may have thought about [**how to request a digital signature**](https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending). The digital signing of a document can be requested through institutions authorized for this purpose by the governments of each country. As we said, in Spain it must be done through **the FNMT or at a police station with an electronic ID**.  Digital certificates to digitally sign pdf documents or any other extension are obtained for both individuals and legal entities (companies). It is used to authenticate online before public administrations that understand that the government of the country validated this identity verification. To sign a document digitally, a link is created through a cryptographic hashing process in which the original document is subjected to an algorithm that generates a unique string of characters called a "hash". The hash is then **encrypted with the signer's private key to form the digital signature, which is attached to the PDF document along with the electronically singing information**. The digital certificate can be **installed in** [**electronic signature platforms**](https://www.tecalis.com/products/electronic-signature) to sign documents. **Each platform has its own method and not all of them have this functionality of using electronic signatures**. ## **Steps to sign a document online in Word or PDF** In order to know how to sign a document electronically, it is necessary to take into account the steps to be followed and to hold a valid and recognized digital certificate, which has been previously installed in your electronic signature system.  The steps to digitally sign a document electronically are as follows: 1. **Access your digital signature platform:** Opt for a digital signature application or use the free trial period offered. 2. **Open the certificate manager**: Go to "New Certificate" in the certificate management section. When we click on it, it will open a pop-up window with data to fill in the following data: 3. **Enter the certificate data**: In systems to sign a document electronically, you must enter certain information to configure it. As applications such as Tecalis allow you to store and use several certificates within the platform, you must give an alias to the digital signature, to quickly differentiate it from the rest if you are going to use several. You will have to enter the CIF or NIF and the password or PIN to be able to sign PDF electronically. 4. **Upload the certificate:** You can click in the area where it is indicated that the certificate should be uploaded to find it on your device. You can also drag it from any folder. Commonly accepted formats are PFX or P12. Accept and you would have loaded the certificate into the digital signature application. 5. **Electronically sign a PDF or Word document**: Open an electronic signature application on the platform, follow the usual steps, and when you get to the document, select the digital signature you want to use to sign. Position the signature in the place of the document (in the best applications you can sign Word and pdf with a digital certificate) where you want to register the signature stamp and save the document by sending it to yourself or to the recipient person or entity. These steps are indicative and will depend on the digital signature solution used. In others, you will have to open the pdf document from an installed program, select the "tools" tab and look for the electronic signing. After this, click on "Sign Digitally" to select the digital certificate that must have been previously installed on the computer. Afterward, you can save the file after signing and then share it with the document requester. Applications such as Adobe Acrobat work with such a scheme. Remember that **not all** [**online signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf) **applications have the possibility to sign pdf documents for free**. It is important to highlight that the digital signature is a very useful tool to carry out procedures and sign electronic documents with total security and legal validity.  This process is very complex and most users spend hours trying to do it. In addition, these applications do not include other options or tools to edit documents, add attachments, verify identity documents, or make shipments. They are not useful in product or service contracting and any other non-government operations. Fortunately, there are web platforms to sign pdf for free that also include word compatibility, and advanced electronic signature and do not require installation like Adobe Reader DC. ## **Platforms to digitally sign a PDF or Word document** Systems such as Adobe Acrobat Reader DC are cumbersome and do not have the **necessary functionalities to sign documents digitally electronically in a simple and fast way**. Adobe PDF requires installation on desktop devices and cannot be done from any system and at any time, unlike digital signature platforms with electronic singing that **run on the web thanks to its cloud structure**. Digital signature models like Tecalis Sign that work through **browsers allow you to sign pdf or word on iPhone MAC (MacOS), Linux, or Windows**. They are really easy, intuitive, and with modern and attractive interfaces. In addition, you can sign pdf documents along with other types of documents, since Adobe only allows it in PDF files as it is the original creator and developer of this storage format extension for digital documents. ## **Alternatives to signing documents digitally** Electronic singing in Word or pdf is a useful tool to carry out procedures and sign electronic documents. It is important to use a recognized and valid digital signature to guarantee the conformity of the process with the requirements of the different public administrations. Signing documents digitally is **especially useful for transactions with tax agencies (Agencia Tributaria, Hacienda...), traffic entities such as the DGT or to manage fines, applications for competitive examinations, and other matters in municipalities**, ministries, or public institutions of all kinds. Even so, there are **better options for digital signatures of documents that have the same evidentiary character and even in some circumstances a superior traceability** that gives them greater validity. Therefore, **it is recommended to opt for the** [**biometric advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) for all other circumstances. Purchase and sale contracts, lease contracts, agreements between parties, wills, powers of attorney, authorizations, and consents, etc. In exceptional cases of a need for high-risk operations that occur in sectors such as **finance, telecommunications, or insurance**, **advanced electronic signatures** can be **combined with KYC identity verification** in the same process. This is done in the same flow and **does not require the signature of a document electronically, replacing** the proof of life under Know Your Customer and AML standards (validated by eIDAS and AML6 regulations) that are performed in real-time by streaming video with artificial intelligence or with the intervention of an agent in videoconferencing.  This generates **much less rejection from users due to its ease of use and accessibility** since they will not have to configure any document signature electronically on their devices. They will simply have to be in front of the device where the electronic signature process is to be performed and look at the camera. In short, a faster, more agile, secure, and comfortable process. This avoids dozens of abandons in the processes of contracting products and services in all sectors of activities since they usually fall when requesting the digital signature.  In any case, **the best contracting applications allow the user to choose between signing a document electronically or with KYC validation**. Always opt for QTSP-qualified trusted service providers that enable both options or activate them in the contracting workflow according to a specific retry policy. Thus, signing electronically is optional and cannot be a barrier to closing the transaction or request. --- ## Best tools for B2B/B2C PoS and eCommerce management **URL:** https://www.tecalis.com/blog/ecommerce-management-b2b-b2c-e-commerce-tools-top-best-sales-marketing **Descripción:** The best business management tools for B2B and B2C point of sale and eCommerce are unified in one software with KYC and eSignature. Learn more. Efficiently managing **face-to-face, physical, and telematics points of sale** is still a challenge for many sales and e-commerce **managers and marketing and sales professionals**. Making **new hires** and purchases flow smoothly, and making transactions run **efficiently and securely** with overall customer satisfaction at all times is still unfinished business for many businesses.  Fortunately, the **expertise and know-how of technology partners** who have been supporting major market leaders for years by providing them with [**sales and marketing**](https://www.tecalis.com/areas/sales-marketing) **solutions** have resulted in the launch by these partners of B2B / B2C **eCommerce and business management tools** that can integrate businesses from all industries.  These solutions also include [**digital customer onboarding systems**](https://www.tecalis.com/blog/customer-onboarding-what-is) that enable instant registration without any risk. With a fast experience, it allows agents at the point of sale to collect identity documents and **launch the signing of the service contract or the opening of a bank account in seconds**. ## **What is a Point of Sale (PoS)?** A Point of Sale (PoS) is the **physical or virtual space where the transaction of goods or services between a seller and a customer takes place**. It is the final point of the sales process and the place where the customer can carry out different types of transactions: **acquire information on products or services, try them out, buy them,** [**contract them with an electronic signature**](https://www.tecalis.com/blog/challenges-kyc-2023-2024-know-your-customer-know-your-customer-companies-fintech-aml-electronic-signatures)**, receive customer service, modify data in his customer account, etc.** In a concrete context and referring to the **term itself**, the point of sale can **refer to the terminal where the purchase transaction is completed in a retail store, distributor, direct or indirect channel or other commercial establishment belonging to the sales network of the brand that manufactures the product or provides the service**. Here, the customer presents the products he/she wishes to purchase and **the salesperson or computer system uses a point-of-sale platform (sales software or Commercial Hub)** to **calculate the purchase total, process the payment (cash, credit card, etc.), register the contracting of services (**[**identifying the customer**](https://www.tecalis.com/products/identity-verification) **and collecting his/her data) and process the transaction**. In an **online** context, we speak of a point of sale referring to an **eCommerce portal or website**. In this case, the customer selects the desired products or services**, assisted or not by the technologies behind this sales front-end**, adds them to his shopping cart, and completes the transaction through an online **payment and** [**identity verification**](https://www.tecalis.com/blog/identity-verification-kyc-aml) **process**. Point-of-sale or Commercial Hub systems can also **include additional functions, such as inventory management, sales tracking, reporting, and data analysis**, making them **valuable tools for sales agents** and business owners. These systems can be both hardware and software, and there are different options available on the market. ## **What is eCommerce management?** Before we dive into more details, let's start at the beginning. Simply put, eCommerce management is the discipline of selling products or services online. Acronym for "electronic commerce management", its meaning is broad as it can refer to the set of techniques to do business online or to **specifically define a web portal where products and services are sold**. These portals are divided between the **front end (what the user accesses and sees when browsing the website) and the back end (the programming and systems that make the site work together with the site administrators' management tools)**. E-commerce has experienced significant growth in recent decades, thanks to increased Internet connectivity and the development of secure platforms and technologies for online transactions. In both B2B and B2C commerce, we find that some brands are not able to **unify their sales platforms and systems across physical points of sale and e-commerce**. However, there are already **solutions that allow a global view of online and offline channels at the same time**. ## **Relevant aspects of B2B eCommerce management** B2B eCommerce management refers to business-to-business commercial transactions. It has its own rules and is based on the **contracting of services between professionals and companies or between companies**. **In general, these are some of the keys to this type of B2B e-Commerce:** * Higher purchase volumes. * Decisions based on value and trust. * More complex and time-consuming purchasing processes. * Need to locate the final decision maker. * Negotiations and contractual agreements. * Increased emphasis on after-sales support. * Focus on long-term profitability. With this in mind, you will be able to determine which type of **Sales Hub** tools and functionalities **suitable for both B2B and B2C** are best suited for your business. Ask your sales system provider to tailor the platform to your business activity, market, and industry. [**Successful examples of B2B eCommerce**](https://www.sana-commerce.com/es/blog-es/los-mejores-ejemplos-de-ecommerce-b2b/) management can be found and if there is one thing they all share, it is that they all employ management tools.  In this sense, a Commercial Hub offers a comprehensive solution for the management of various areas of the sales channels, which makes it a fundamental tool for optimizing operations and improving efficiency in a B2B environment. ## **The best tools for B2B and B2C e-commerce**  **Unmotivated sales agents, long processing times, low conversion rates, or penalties for non-compliance with industry regulatory standards.** These types of problems are common in any retail network for both physical PoS and online eCommerce. Fortunately, resources can turn the business operation on its head.  With the best tools for eCommerce, you can boost any B2B or B2C business and its commercial network. Despite the differences between each type of online store and physical point of sale, both B2B and B2C eCommerce share certain common resources. Let's take a look at the main ones to keep in mind: ### **E-commerce management platforms** Do you want to **launch and manage your store without advanced technical knowledge or provide your product configurator to distributors, resellers, or indirect channel partners**? This is one of the advantages of e-commerce platforms such as the advanced Sales Hub.  **In addition, they generally have a number of advantages:** * They provide an **intuitive and personalized shopping experience** for customers. * They offer marketing and promotional functionalities. * Simplify inventory management, ordering, and payment. * They allow integration with other tools and services. * They provide analysis and report generation. When selecting a platform, it is important to evaluate your business needs, the type of eCommerce management software you need (B2B or B2C), and the functionalities that are most relevant to your business. ### **Inventory management systems** Do you have gaps in stock levels or are you losing profitability due to order errors?  With this type of resource, you get: * Total **inventory** control and visibility. * [**Processes optimization**](https://www.tecalis.com/blog/how-to-optimize-processes-enterprise-software-automated-management-business-company), such as product replenishment. * Improved efficiency and cost reduction. * More customer satisfaction and **less internal attrition.** In short, you will improve your company's reputation and loyalty, while increasing your productivity and profitability. ### **Analysis and data tools** To make smart decisions, you need data. The advantage is that technology collects it in amazing ways. For example, where is your **profitability going**, and which products are giving you the most margin? With a measurement solution, you can have key information, such as: * Detailed tracking of **performance and conversions**. * Analysis of visitor behavior at your points of sale. * **Performance evaluation of** your marketing campaigns. * Identification of the most effective traffic sources. * Real-time monitoring of shopping cart abandonment rates. * **Performance of the commercial agents of each PoS.** * Analysis of the profitability of your products and categories. The **modules that can be integrated into the Commercial Hub** are some of the tools that will provide you with valuable information about your customers' behavior and your store's performance. ### **Customer relationship management systems** Keeping your customers satisfied is key. A customer relationship management system where you can **see the status of their registrations and launch reminders or** [**e-signature**](https://www.tecalis.com/products/electronic-signature) **requests to finalize the sale is a** fundamental tool for any e-commerce business, whether B2B or B2C.  Some of the key advantages of customer relationship management systems are: * Efficient management of your contact lists and segmentation. * Personalization of **communication and offers according to customer preferences**. * Automation of follow-up tasks and reminders. * Reporting and analysis of customer and sales activity. * **Identification of additional or cross-selling opportunities**. This will enable you to manage your customer relationships and deliver an exceptional customer experience. ### **Product customization platform** **Personalization** has become a powerful strategy for e-commerce, as it allows customers to create unique products tailored to their tastes and needs. Some of the key advantages of product customization platforms are: * Differentiation from the competition by offering customization options. * Reduction of returns and rejections of customized products. * Optimization of supply chain workflows. * [**Build customer loyalty**](https://www.tecalis.com/blog/customer-loyalty-retention-actions-clients-strategies) by establishing an emotional connection with customized products. Tools such as the **product configurator, coverage query, and validation of the client's risk profile** allow you to offer customized and unique products. ### **Product activation and customer care solutions** Simplify communication with your customers **using electronic signatures and certified communication (electronic notifications)**. These artificial intelligence applications allow you to interact with customers in an automated way and provide quick and accurate answers to frequent queries.  **Some of the key advantages of chatbots for customer service are:** * 24/7 availability to answer customer inquiries. * **Automation of customer support tasks with RPA (Robot Process Automation).** * Cost savings by reducing the need for dedicated customer service personnel. Sales Hub tools will help you provide fast and accurate answers to your customers' queries. ### **After-sales and customer loyalty** Sending mailings after orders or cart abandonment is very useful to increase sales and loyalty. Scalable software sales tools give you the ability to design, send and track marketing campaigns efficiently.  * Segment according to interests, behaviors, and preferences. * Automate trigger-based campaigns and **inform your entire sales network through banners in the management platform they use every day.** * Personalize messages and offers based on customer data. * Increase traffic and sales by sending promotions and reminders. In addition, surveys can be launched to those employees who are in direct contact with the customer to analyze insights and propose improvements by zones and design new, more effective and hyper-segmented sales strategies. ### **Integrations with marketplaces in call centers, online portals, or stores** Do you want to expand your reach and sell on other marketplaces in addition to your own store? Your **sales partners' marketplaces, brick-and-mortar stores, ecommerce, and call centers** offer a great opportunity to expand the reach of your business and reach a wider audience.  **Integrations bring you:** * Extending the visibility and reach of your products. * **Automatic synchronization of inventory and prices in the marketplace.** * Centralized management of orders and logistics. * Leveraging the reputation and traffic of marketplaces. Integrating and managing your sales on different platforms without the need for separate systems helps you save costs and **get a global view of all your brands and company-wide sales**. ### **Business management of online sales channels** Having a comprehensive **management center** for all channels will allow you to **structure your commercial network according to** the needs and demands of the market in which you are going to operate. **By creating trees and setting objectives for each point of sale in any support and channel, you will ensure perfect performance and the ability to make changes practically instantly**. **Some of the key advantages of the business management of online sales channels are:** * Unified management of multiple sales channels. * Real-time updating and synchronization of products and inventory. * Centralized management of prices and promotions. * Tracking and management of orders in different channels. These tools allow you to manage all your sales channels from a single platform, saving you time and effort. ### **Omnichannel experience: connecting physical PoS with eCommerce management systems** Apart from online sales, **you can** also **connect your physical points of sale with your eCommerce management strategy**. The omnichannel experience allows customers to enjoy a seamless and consistent experience, **capturing leads at the point of sale and then making an impact through online portals or in-house or indirect channel call centers**.  **Some of the advantages are:** * Possibility to buy online and pick up in a physical store. * Access to real-time inventory at all points of sale. * **Integration of loyalty and rewards programs across all channels**. * Personalization of offers and promotions based on purchase history. * **Centralized management**. * Increased **visibility and control of retail operations**. Tools like Tecalis allow you to manage both your online sales and your physical store sales from a single platform. **It unifies the best of both worlds under a global platform that integrates the latest technologies.** ## **How are the best e-Commerce management tools** The best eCommerce management tools share some key features that make them stand out in the market.  * They must be **intuitive and easy to use by sales agents, e-commerce managers, and customers.** * They can be installed **without the need for new developments or impacts on your IT equipment.** * They should include advanced technologies that are automatically updated. * It must be guaranteed that the sales system will be **delivered in less than 45 days** and that it will be usable without training by sales agents, point-of-sale or e-commerce managers, and customers. * They link the entire commercial network in layers **without distinction between the physical point of sale, online e-commerce, or call center for telematic sales**. * It is important that they are **flexible and can be customized, integrated, and scaled**. * Make sure they provide detailed analysis and reporting. * It is essential that they have a reliable technical support team. These features are essential for eCommerce management tools to be effective and to help you manage your online store efficiently. ## **Conclusion** In short, each of these tools plays an important role in e-commerce success, whether B2B or B2C. From data analytics to inventory management to customer experience, choosing the right tools can make all the difference in the **efficiency, productivity, and profitability of your online business and in the most relevant trading spaces in your target markets**.  **Evaluate your business needs and objectives, choose the tools that best align with your strategy,** and give you the support you need to succeed. --- ## eSignature request: how to request an electronic signature **URL:** https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending **Descripción:** Requesting a digital signature can be done in several ways. There are different platforms to make a e-signature request. Find out what these platforms are. The ways in which an e-signature can be requested are **varied and in many cases depend on the electronic signature solution used**. Whether depending on the **type of sending**, the **electronic signature standard chosen,** or the **configuration of the request**, the different methods of requesting a digital signature have one thing in common: they are **fast, secure, and simple**. When it comes to signing documents, the traditional method of exchanging multiple drafts, documents, and e-mails can be time-consuming, inefficient, and above all not **legally valid** enough. Fortunately, there is a better way: **requesting an electronic signature through a digital medium**. In this article, we will discuss what a digital signature request is, how to request an eSignature, the platforms available for this purpose, and the different types of digital signature requests that are available. ## **What is an electronic signature request?** An electronic signature request is a **digital method of obtaining a document signature** usually remotely. It allows individuals (individuals) and companies (legal entities) to **streamline the document signing process by eliminating the need for physical paperwork and reducing the time and effort** required to obtain signatures from both parties and process approved documentation. With an e-signature request, you can **send a document directly to the recipient's device through different ways** (email, SMS, instant messaging applications, push notification in-app...), whether it is a mobile or desktop terminal, including those that are not owned by the user who must respond to the digital signature request, since they are installed in the company's physical locations. The recipient of a digital signature request can **sign the document electronically, store it securely and return it signed to the requester**, with a report of the entire process. This method eliminates the need to print, scan and send documents by email or post, making it a greener and more efficient solution. In addition, doing so without the support of standards-compliant [**e-signature platforms**](https://www.tecalis.com/products/electronic-signature) such as **eIDAS** makes this previous model without any legal backing. ## **How to request a digital signature** You can request a digital signature through electronic signature platforms developed by **specialized** **companies in identity and trust services**. This is one of the most important aspects when thinking about how to request a digital signature: the **legal support, the functionalities, and the way it adapts** to what we want to do with it. Although it is also possible to request an electronic signature through [**online signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf) applications, it is not advisable to do it on this type of website, since the vast majority of them only insert a png image to a pdf document that is sent by digital means not recognized as reliable electronic means. Opting for a **qualified QTSP trusted service provider** is the only **viable and legally backed** option **for signing documents**. Electronic signature requests made through websites or online platforms have no legal validity whatsoever so signed documents will likely be declared void in a court of law. On the other hand, most of the solutions that do not belong to RegTech partners officialized by the European Union and homologous institutions do not offer the possibility of requesting a digital certificate. Therefore, you should check that the requested digital signature complies with the mandates of the **eIDAS regulation**. ## Ways of requesting an e-signature: sending methods There are different types of digital signature requests, each with a specific purpose. Below are some common types: * **Individual Signature Requests**: This request is used when one person's signature is needed **on a document**. This can be a contract, agreement, consent form, or any other legally binding document that requires the recipient's consent. It is the simplest and most straightforward. * **Massive signature requests**: In this type, **an identical document** (not unique, since it may include pre-filled fields **with differences for each signer depending on the configuration of the digital signature request**) is sent to several recipients of the electronic signature request. Each one receives an individual request to sign the document and the requester receives all returned requests with individual copies to each recipient. * **Group signature requests**: Group requests (also referred to as **parallel submission**) are used when **multiple signatures** are required **on a single document**. This is usually the case for **documents that require the approval of multiple stakeholders** or involve multiple parties. It is a single document and all signatories receive the electronic signature request at the same time, the process is on hold until everyone has signed and when this happens everyone receives the same document signed by all. Parallel signature requests are generally used when the recipients cannot sign the document simultaneously. This is useful when multiple signatures are required, but the order of signing is not important. * **Sequential signature requests**: Sequential digital signature requests are used when the recipients need to sign the document in **a specific order**. This is common in workflows that require a certain hierarchy or **chain of command for approvals**. Until the first signer has accepted the digital signature request and completed it, the document is not sent to the second signer, and so on until the rest of the recipients have finished. It is important to choose the **appropriate type of digital signature application depending on** the specific requirements of the operation to be performed and the nature of the document. On the other hand, we have different [**types of electronic signatures**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose), which must be chosen taking into account technical characteristics and - especially - with respect to the legal implications according to the risk level of the operation. ## Steps to request an electronic signature To request a digital signature, you must first **log in with your account on your** [**qualified trust service provider**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents)**'s e-signature platform**. If you do not have an account or have not yet contracted a service to request an electronic signature, you can **easily register and get a free trial or create a new account by subscribing to one of the RegTech service provider's plans**. Once you have chosen the electronic signature request provider you wish to use, you can **create and send a digital signature request in a few simple steps**: 1. **Access the user portal:** Either because you have contracted it directly or because your company has provided you with access to the selected products or services, select the e-signature request platform within the user portal of your trusted service provider. 2. **Start a new digital signature request**: Click on "new submission" to create a new electronic signature request. Choose the modality (simple, advanced, with a digital certificate, biometric...) and add a title and a description to the request. 3. **From a new request**: Add the name of the request and any additional details. Select "Add attachments" and then choose a document storage platform (document management) or "Upload from my device". You can drag directly to the upload area to upload the documents. 4. **Choose the workflow (type of request/sending)**: In this step, you will need to select the type of digital signature request. In case you choose the sequential model, if the recipients must respond in a specific order, select "Must be completed in order" and choose it in the next step. 5. **Select the recipients of the signature request**: Enter an email address for each recipient (plus many other details if needed) and assign a role (signer, approver, observer...).  6. **Configuration of the electronic signature request**: In the best [**e-Signature signature**](https://www.tecalis.com/blog/esignature-what-is-e-signature-electronic-works-esign-signatures-esignatures) request applications you will be able to configure dozens of options in the preparation of the sending. KYC identity verification, collection of identity documentation, multiple arrangements of fields of different types (open, drop-down, selections...), set renewals, alerts, schedules, expiration dates, etc. 7. **Submit the e-signature request**: Finally, it is important to double-check the details before submitting the request to ensure accuracy. Do a quick check of the documents and options configured and click submit a digital signature request to confirm. Keep in mind that **not all digital signature request tools work the same**. Most do not include advanced functionalities such as digital and electronic certificate managers, identity verification according to Know Your Customer standards or scheduling with a calendar view. **Explore the different ways to request an electronic signature** before choosing a particular solution and contracting its plan. ## **Platforms to request an electronic signature** There are several platforms available for requesting electronic signatures, including Tecalis. These platforms offer **intuitive interfaces, robust security measures, and** seamless **integration** with a variety of proprietary and third-party devices and applications. With features such as **customizable templates and layouts, workflow automation, and real-time tracking** of request changes, the best methods for requesting digital signatures are available to any individual, business, or large enterprise in a pay-per-use format that can be integrated via API or used on proprietary web platforms that can be accessed from any device with internet access. Electronic signature applications are widely used in all sectors and industries and are known for their reliability and ease of use. Some electronic signature requesting tools offer free trials and even "lite" versions at no cost or expiration with less functionality but with the essentials for many users. This allows you to **test their features and determine which platform best suits the needs of your operation or business before committing to a subscription or contract**. ### **How to check the status of a digital signature request** The **best** [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) **applications** allow you to keep track with **complete traceability** of everything that has happened.  All these changes in the status of the electronic signature request are recorded and captured in the audit document that can be downloaded from the process within the same platform. ## **Types of electronic signature requests** Requesting a digital signature is a **convenient and efficient way to obtain electronic signatures on documents such as employment contracts, product and service contracts, employee signatures, inter-company agreements, or even digital invoices**.  By using e-signature request platforms like Tecalis, you **streamline the signing process, eliminate paperwork and save huge costs in terms of productivity and time**. Whether you need to request a digital form for individuals individually or you need to make several signatures or a series of signatures in a specific order, applications that allow you to make such electronic signature requests offer a secure and reliable solution. Finally, it is important to remember that when requesting a digital signature, it is important to choose an appropriate platform **adapted to the needs of the business and its use cases** (specific to the industry to which it belongs and the market/jurisdiction where the operation is performed). In most cases, **one of the best options is the biometric** [**advanced electronic signature**](https://www.tecalis.com/es/blog/firma-electronica-avanzada-soluciones-empresas-que-es-ley) **due to its versatility and absolute legal validity** in high-risk use cases such as **bank account openings**. The necessary steps must be followed to ensure a smooth and useful signature process to save time, reduce costs, avoid compliance issues, and improve productivity in your company or in your personal projects and procedures. The following is a list of the different use cases of how to request a digital signature in different industries, sectors, business areas, and for individuals: ### **Applying for electronic signatures in different Industries and Sectors** * **Financial Sector**: Opening of bank accounts, loan and credit applications, investment contracts, and management of financial transactions. * **Legal Industry and Legal Services**: To sign legal contracts, confidentiality agreements, powers of attorney, and arbitration documents. * **Real Estate**: Already fully standardized in signing processes for leases, deeds of sale, approval through mortgage applications, and property management agreements. * **Health**: Informed consent, electronic medical records with advanced signatures, treatment or medical study agreements, and contracts with healthcare providers. * **Insurance Sector**: Application and issuance of insurance policies, claim contracts, indemnity agreements, loss adjusters, electronic notification of the end of service, etc. * **Education**: It is being extended to electronic signature requests for approving school fees and payments, educational service agreements, and collaboration documents with academic institutions. * **GovTech**: Among the various public administrations and governments, it is already used to sign electronic applications for grants, public contracts, tax declarations, and official digital documents such as the bulletins of many institutions. * **Telecommunications Industry**: Telecommunications service contracts, service level agreements (SLAs) or data usage authorizations. ### **Requests for digital signatures in the different areas of a company** * **Sales and Marketing**: The signature request process is sent to clients for the signing of sales contracts, collaboration agreements with business partners, and advertising campaign approvals in the agency sector. * **Legal Department**: Confidentiality agreements (NDAs), software license agreements, and contracts for external legal services are signed electronically in most companies. * **Human Resources**: The talent management area uses digital signature applications to send employment contracts, non-disclosure agreements, benefits management forms, onboarding forms, sign-offs, and labor compliance documents.  * **Purchasing and Logistics Departments (Supply Chain)**: Supplier contracts, purchase orders, and supply agreements are examples where digital signatures are required. Sending documents, transport agreements, and contracts with logistic operators as well as other commercial contracts, distribution agreements, orders, and electronic invoices are sealed. * **Customer Service Department**: Common in certain industries with high regulatory impact for repair authorizations or technical support contracts, for example. ### **Use cases for requesting e-signature for individuals** * **Rental contracts**: When no real estate company is involved, individuals have used the electronic signature of individuals for rental contracts for housing, commercial premises, and equipment. * **Purchase and sale or transfer of goods and capital**: Both for automobiles, furniture, and other goods and for all aspects related to inheritance and transfer of assets. * **Service contracts**: The signing of professional services contracts with freelancers and SMEs, such as consulting services, legal advice, or repair services. * **Personal legal documents**: Signing wills, powers of attorney, and prenuptial contracts or will provisions. This list is just a small sample of the many use cases of electronic signature applications in different areas. This technology offers a secure, fast, and efficient option to sign documents in the digital world, without the need to use paper and speed up business processes and personal transactions. --- ## DocuSign Alternatives: free and paid e-signature solutions **URL:** https://www.tecalis.com/blog/docusign-alternatives-best-alternative-to-electronic-signature-applications-software-competitors-similar-free **Descripción:** Learn how to choose between the different DocuSign alternatives. Get to know the details of similar free and paid apps. Find out all you need to know. There are **dozens of alternatives to DocuSign** in the market of electronic signature applications. Choosing a tool to manage the signing of relevant documentation should be an **informed decision and consistent with the needs of our customers, our business, or our project**. Electronic signatures have revolutionized the way documents and contracts are managed, allowing companies to **close deals more quickly and securely in an increasingly interconnected and complex economic and social reality**.  Although DocuSign has been a good option to consider in this area, it is worth **exploring the available alternatives**, as some of them **have functionalities and features that DocuSign does not contain**. In this article, we will explore [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **options that rival DocuSign**, focusing on the Tecalis platform and its differential value proposition. ## **What is DocuSign?** Before comparing DocuSign with its similar alternatives, we must **understand what this** [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) **software is and how it works**. Like its counterpart applications, this tool is designed by a company specialized in the area of electronic signatures. DocuSign is a company founded in **San Francisco, California, with** a large number of employees and whose main sector is software development. It is important to understand that **depending on the country you are in, you will see that they offer different types of products**.   In the **United States**, its country of origin, DocuSign offers **electronic signature** functionalities, notarization, a document editor (although this is actually from Salesforce), the contract signing system, forms, and identity verification. For this market, it also adds integrations and APIs. However, if we visit some of their **European websites (such as Spain or Italy)** and their marketplace in **Canada**, we can observe that **we will not find identity verification services**. This is essential to sign medium and high-risk level contracts in order to have the necessary legal backing in these three markets. DocuSign is a platform that is sold as a single product. That is, the company name and the product name coincide. However, something curious and perhaps contradictory is that this electronic signature software **advertises on its website as separate products elements that are functionalities in itself of a single platform, such as identity verification or the workflow system for contracting** (something that **in most alternatives to DocuSign is included as standard** in digital signature applications, without the need to hire a separate product). ## **What are the DocuSign alternatives?** Despite its experience in the market, since it was founded in the early 2000s, there are more modern and updated solutions that have already been born based on the **new standards of qualified trust services**.  In the electronic signature space that allows individuals and companies to sign documents digitally, DocuSign has been a pioneer in eliminating the need for manual paperwork and paper. This solution streamlines business processes by allowing the parties involved to sign agreements virtually, regardless of geographic location, just like the rest of its competitors. DocuSign has been widely adopted for its intuitive interface and advanced security capabilities, making it one of the industry's leading exponents. DocuSign alternatives are **electronic signature software and trust services that offer at least all the functionalities that DocuSign already offers**. For a digital signature application to be considered as an alternative to DocuSign, it must - as a minimum - **address the use cases that DocuSign already solves**. Otherwise, it would not be considered a valid alternative. Thus, these counterpart players to DocuSign are **electronic signature platforms that compete directly in the same space, offering similar or even superior options and functionalities in some aspects**. Those that offer up to eight [**types of electronic signature**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) stand out, as opposed to the only type of electronic signature offered by DocuSign in its usual plans, the simple electronic signature, with no evidentiary validity. These alternatives have become essential as companies seek to customize their electronic signature solutions according to their specific needs and budgets. On the other hand, it is very important to note that **DocuSign is a company that only specialized in** large-scale **e-signatures** (they seek volume by obtaining small and medium-sized clients). While other alternative companies such as **Tecalis**, offer **the best of both worlds: a powerful and simple electronic signature tool in addition to being a digital transformation partner with highly trained services in digital onboarding, recruitment, KYC/AML identity verification, Commercial Hub for the management of digital and face-to-face channels, regulatory framework or ad-hoc solution design.** ## **Free DocuSign alternatives** Among the DocuSign alternatives that are free of charge, we find outstanding those called [**online signatures**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf). These web applications are very fast and simple, but many of them entail great regulatory risks by simply inserting a PNG signature in the document, which is far from the technical and legal standards of electronic signatures. Fortunately, there are **QTSP-qualified trusted service providers** that offer **electronic signature systems that are** also free, but that work and have been designed under the most demanding legal and technical rules. The free nature of these tools is provided either by trial periods of premium plans, free variants or mixed models: * **Premium trial periods**: This format opts to provide users and companies with the most complete solution that the electronic signature provider can offer completely free of charge and without obligation for a limited period of time. After the end of the period, a premium plan adapted to the user's needs can be contracted at a discount or the plan will be downgraded to the free format (without the need to lose the work done on the platform). * **100% free options**: There are DocuSign alternatives that offer electronic signature systems that are completely free forever and unlimited. This implies that the tool will have a series of specific functionalities and that those that are available to paid users will not be enabled. The difference between DocuSign and similar electronic signature software that offers a free version is that in the paid plans the functionalities start from zero, being more valuable than those of the most basic paid plans when a free model is available. * **Freemium or mixed models**: Finally, we see other options that can be customized by packages. For example, you can use the 100% free version of a DocuSign competitor such as Tecalis at no cost and purchase a package of advanced e-signatures for a specific need without committing to a paid premium subscription. This provides great flexibility and is a testament to the versatility of the business and the platform. For those looking for affordable e-signature solutions, several free alternatives to DocuSign are available on the market. These offer a basic range of e-signature features, which may be sufficient for freelancers or individual users with simple document signing needs. However, it is important to keep in mind that free alternatives often have limitations in terms of the number of documents that can be signed, additional backup features (qualified time stamps, biometric signature, GDPR-compliant escrow, etc.), and customer support.  Tecalis, as an alternative to DocuSign, has these three options previously analyzed and all of them comply with electronic signature regulations such as eIDAS and signer verification standards depending on the use case. Consult one of our experts and start using it right now without any obligation. ## **Paid alternatives to DocuSign** Continuing with the previous explanation, **DocuSign only offers paid plans and a time-limited free trial**. We will not be able to explore totally free or mixed options. This raises the prices from the very beginning, since not having a free version, the functionalities that other DocuSign competitors include in their 100% free plans are those that are part of the most basic plan (Personal) and that are paid. For companies and organizations that require advanced functionality and higher transaction volume, **alternatives to DocuSign for payment offer additional usability features, functionality tailored to more complex use cases, and more comprehensive legal support**. These solutions typically provide brand customization options, integration with other enterprise tools in any system, and higher levels of security to meet industry and regulatory standards such as **banking, real estate, human resources**, or transactions over $999. It is important to carefully evaluate the features offered by these payment alternatives and compare them with the specific needs of the company before making a decision. ## **The best DocuSign alternatives**  **The best DocuSign alternatives are those that include all types of electronic signatures from the cheapest payment plans**. DocuSign does not include AES (advanced electronic signature) even in its Standard (23€/month) and Business Pro (62€/month) plans, reserving this type only for large corporations that contact directly and have really high daily signature volumes. **The only type of electronic signature that DocuSign includes in its Personal, Standard, and Business Pro plans is the** [**simple electronic signature (SES)**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation)**.** Leaving these models only for these types of customers is also detrimental to them as it increases the price range. In addition, **the best alternative to DocuSign will always have several options for electronic signature types beyond the three basic eIDAS ones (SES, AES, and QES)**. Combining eIDAS models with the use of qualified digital certificates issued by official certificate authorities or the use of SMS OTP models is a must in many industries such as insurance, utilities, and telecommunications for a wide variety of use cases. On the other hand, we can see that **mass mailings** are only available from Business Pro. The choice of the best alternative to Docusign ultimately depends on the company's needs and objectives. The best competitor to DocuSign will be the application or software that meets the specific requirements of industry standards, provides an intuitive user experience, and offers an adequate level of security to protect electronic transactions. ## **DocuSign versus Tecalis** **Tecalis stands out as a solid alternative to DocuSign, including all the functionalities and features of DocuSign plus many others.** Tecalis combines a user-friendly interface with advanced features, such as biometric authentication, which adds an additional layer of security to the signature process and comes standard under a single web application. The platform also offers flexible pricing options, including a free plan with essential functionalities and [**paid plans**](https://www.tecalis.com/products/electronic-signature/plans) for more complex needs. When comparing DocuSign with Tecalis, it is clear that both platforms offer effective e-signature solutions. DocuSign stands out for its wide adoption and robustness. On the other hand, Tecalis differentiates itself with its **focus** on **biometric authentication and its focus on adaptability, and personalization while maintaining absolute simplicity and convenience**. One of the key features is the **automatic generation of documents with ChatGPT technology integrated with Tecalis, under the AlisGPT system**, integrated into the template and layout creator (with which you can also design forms). With it, you can ask artificial intelligence to draw up a contract for you with all the needs you indicate. DocuSign relies on Salesforce to offer a somewhat old-fashioned document generator, while Tecalis implements the latest technology to assist in business processes of all kinds with the automated generation of contracts and smart documents. In terms of security, Tecalis offers a significant advantage with its **QTSP biometric authentication and KYC standards**, making it an attractive option for industries that require strong and advanced authentication for e.g. signing contracts related to financial services, insurance, or remote real estate sales and purchases. The choice between DocuSign and its alternatives depends on the unique needs of each company and project. Electronic signatures are essential today, and **having the right tool can make all the difference in the efficiency, cost, and security of a company's business processes and operations**. Both DocuSign and Tecalis offer valuable solutions, each with its own advantages and considerations. By evaluating these options carefully and considering specific requirements, companies can make an informed decision that optimizes their workflows and ensures the integrity of electronic transactions in an ever-evolving economy and society. --- ## Digitally sign a PDF: Digitally signed document **URL:** https://www.tecalis.com/blog/how-to-sign-a-document-with-digital-signature-digitally-pdf-word-electronically-electronically **Descripción:** There are different ways to sign a document digitally: with digital signature, digital certificate or electronic signature for pdf and word. The digital signature of electronic documents is a **convenient and simple process thanks to applications and platforms** created for this purpose whose user experience is designed to be used by any person and professional at different levels of digitization. In previous articles, we explained [**how to sign a PDF document with a digital certificate**](https://www.tecalis.com/blog/how-to-sign-pdf-digitally-electronically-signature-electronic-digital-document-signing-word-iphone), and now we will delve into how to do it according to other digital signature methods, without the need to use a certificate. **The use of digital or electronic certificates is complex**, given the existing bureaucracy to obtain them and that - in general - **most users do not know the procedure** to digitally sign a pdf or word document with this identification standard. Signing documents on paper or with other computer tools such as Adobe Acrobat or Word can be cumbersome, time-consuming, and lack the required legal backing, but thanks to digital signature technology, it is now possible to electronically sign PDFs and documents quickly and securely. Let's see different ways on how to digitally sign a PDF, which will **save** you **and your clients time and effort when sending and receiving important documents such as contracts while giving legal guarantees to the operation**. ## **What is a digital signature?** A digital signature is an electronic way of authenticating the integrity and authenticity of a document or message together with its acceptance in the case of documentation such as contracts. This can be in **different formats and include attachments that must guarantee a series of conditions of legibility and immutability**. To sign a document with a digital signature, **a unique code is created that is linked to the identity of the signer and the document itself**. This ensures that the PDF or Word document has not been altered since it was digitally signed, that the signer is who he or she claims to be, and that the signature is valid and legally binding. Through cryptographic mechanisms, the **guarantee of non-repudiation of the document and the communication sent** is also ensured thanks to the technical standards of the [**digital signature.**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) ### **What is a PDF with digital signature?** A digitally signed PDF is a **document in PDF format** (text and vector image file extension generally not editable by common computer applications) that has been **digitally signed according to the electronic signature standards that regulate the exercise of the same in the region and sector where the operation has taken place**.  By digitally signing a PDF, **an electronic signature is added to the document that verifies the identity of the signer and ensures the integrity and authenticity of the document**. This means that any changes made to the PDF after it has been digitally signed will be detected and considered invalid and without probative value in the event of a dispute. **To sign a PDF you must use** [**specialized electronic signature applications**](https://www.tecalis.com/products/electronic-signature)**.** Otherwise, if you use websites for inserting "image signatures" in pdf and word documents, the operation will have no effect or legal validity. Even those platforms that claim to be "digital signatures" do not represent insurance when signing documents in compliance with the eIDAS regulation, since they are not a qualified QTSP trust service provider. It is important to note that making a digital signature **does not alter the content of the PDF document or affect its structure**; it simply **adds metadata and cryptographic codes (qualified time stamp)** to the file to ensure its integrity and have the support of the RegTech partner that seals the operation. ## **How to sign a document with digital signature** Signing a document with a digital signature is a simple and fast process thanks to the new electronic signature tools that have **agile functionalities that allow closing the operation in about 30 seconds**. Although it may seem a complicated procedure, **there are tools that do not renounce to security and legality to create a totally simple and easy-to-understand experience even for less digitized users**.  In a document signing process with digital signature, you can act in different ways: * **As a requester**: To make the document signature request with digital signature to another person, you can use a platform such as Tecalis Sign to create with ChatGPT technology your document (draft a contract) and send it to a person to receive it back signed. In this way, you will be able to get electronic signature of the recipient you have selected in the created document. * **As a recipient**: From the other party, as a signatory, you will receive a notification through a digital channel (SMS, email, instant messaging, QR, push notification...) to access the signature process, which consists of very simple steps that are completed in an average of 30 seconds (depending on the [**type of electronic signature**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) chosen by the applicant).  * **Self-signing process**: In case you want to sign a document yourself without another person or company sending you - for example - a contract, you can make a request to yourself, leaving a complete record of the operation, which will give greater probative value to the digital signature of the document. In case the same document must be signed by you and another person, you can include the information of both of you in the signing process and both of you will receive the link or access to sign. **Recipients do not need to log in or register** on the best digital document signing websites to sign, something that greatly facilitates the process and avoids any friction, focusing on getting the deal done. ## **How to digitally sign a PDF** The **steps to digitally sign a PDF are the same as for any other type of document (word, doc, docx, xls, txt...)**. As a general rule, documents with extensions other than PDF **are converted** to this file type to ensure that elements are not misplaced or data is not changed.  There is no problem in signing a document with digital signature regardless of its file extension. However, **any contract loses validity when it is altered after signing**, that is why we choose to digitally sign a PDF since the nature of the document is static and does not admit changes unless Adobe suite applications are used (InDesign, Adobe Acrobat DC...). Obtaining the digital signature through these means is safe in certain cases. For this reason, **it is not recommended to use applications of this type (installable)** to sign documents with digital signature. First, because they are **difficult to** use, second, because they **require the use of an** electronic **digital certificate** obtained by an official institution to be valid (something complex and which most users find difficult) and third, because downloading these programs may involve, depending on the place from which they are downloaded, the incursion of viruses and hacks. On the other hand, we must **be very careful with non-installable web applications that are advertised in the first results of Internet search engines** to sign a PDF digitally and easily. These tools, generally referred to as [**online signatures**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf), **do not have any kind of legal validity** since most of them simply insert the drawing of the signature in the document as if it were an image without taking into account the authentication needs of the reliable signatory and the rest of the technical requirements defined in the **rules governing the exercise of advanced electronic signatures**. In conclusion, **to digitally sign a PDF you must use a solution created by a Qualified Trusted Service Provider QTSP**. These companies are validated by the **European Union** or their counterpart institutions in their respective regions and integrate the best of both worlds: they are **non-installable tools** (accessed through a simple web) **and they do digitally sign PDF documents according to the regulation** creating proof by interposition, giving custody to the process for years and applying all the requirements of guarantee, confidentiality and authenticity. They also allow the insertion of digital certificates. ## **Steps to sign a PDF electronically** Electronically signing a PDF involves following certain steps to ensure the validity and legality of the signature. Despite what you may think, **thanks to the electronic signature solutions in SaaS format of RegTech players**, we can make a simple digital signature with which to send documents under the most complete legal support. **The following are the general steps to digitally sign a PDF:** 1. **Access your digital signature system:** To digitally sign a PDF, you will need to use a digital signature program. There are several programs available on the market, be sure to choose one that is compatible with any operating system and meets the required security standards we have detailed in this article. 2. **Upload the PDF to the digital signature program: Once you** have started the subscription on your e-signature platform, select "new signature" and upload the PDF you wish to use or create one with the ChatGPT-based document editor. 3. **Select the signature method**: Look for the option to sign according to the type of operation and document (simple electronic signature, advanced, with OTP verification...). This may vary depending on the program you are using, but it is usually found in the toolbar or in the options menu. 4. **Configure the document:** If necessary, you can include fields to fill in, drop-downs, KYC verification or choose sequential, parallel or mass sending in case there are multiple signers. If you only want to sign a PDF document simply go to the next step. Place the box where you want it in the desired place on the document to visibly display the signature on the document by dragging and dropping. 5. **Receive the request and sign:** Sign the document with advanced electronic signature by clicking on the link in the request. The process varies depending on the type / method of signature chosen, although the time to make a digital signature and sign a document will never exceed 30 seconds in the best solutions. As you have seen, only **5 simple steps** are needed **to electronically sign a PDF, one of which is optional** if you do not need to configure additional options in the document. After signing a PDF, you can **check the status of the document, review it or download the audit report that validates the process in your shipments within the digital signature platform**. Remember that you can also insert digital certificate as an additional option in some platforms such as Tecalis. ## **Digital certificate: how to obtain a digital signature** Many users wonder [**how to request a digital signature and an electronic certificate**](https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending). Although the **digital certificate is widely used and recognized for transactions with public administrations**, it is a somewhat cumbersome and complex method of identifying the signer when signing documents with digital signature for a large segment of users. Digitally signing PDF documents is an essential process to ensure the authenticity and security of documents in the digital environment. By following the proper steps and obtaining a valid digital certificate from a trusted Certificate Authority, you will be able to digitally sign documents securely and conveniently. For operations of even the **highest risk level**, it is preferable to use the **biometric advanced electronic signature with Know Your Customer identity verification**. This type of digital signature of documents allows even **instant opening of bank accounts with total security and in compliance with the** most demanding **eIDAS and AML standards** in any market. Without waiting and instantly, transactions are pre-approved according to a risk score configured by the electronic signature system. In any case, in order to electronically sign a PDF file, you will need to obtain a digital certificate beforehand in order to sign it. To obtain the digital signature you must: * **Select a trusted certification authority:** Look for a trusted government certification authority that issues digital certificates and request an appointment to make a digital signature. There are several authorities available, be sure to choose one that meets the required security and legality standards. * **Apply for a digital signature from the government: Once you** have selected a certification authority, apply for an electronic signature. This may involve completing an online form and providing the required documentation to verify your identity. * **Verify your identity:** In order to obtain the electronic signature, the certification authority will verify your identity before issuing the digital certificate. This may involve providing valid identification documents and undergoing a verification process that is always in person for the first time. This is one of the most important steps in the process and one in which users are discouraged by the need to be in person to sign digitally. As we said, the biometric advanced electronic signature is not necessary and has the same legal support for high-risk commercial transactions. * **Obtain your digital certificate**: Once your identity has been verified, you will obtain the electronic signature and receive your digital certificate. This certificate will contain information about your identity and will be used to authenticate your digital signatures through a password or key that only you can use. We must not forget that **QTSP digital platforms also include dozens of functionalities associated with digital signature management and document management applications.** The rest of the systems we have previously mentioned do not include these functionalities, nor do they include an adequate sport SLA for business customers for whom the integration of electronic signatures is essential for their daily business operations. ## **Electronic signature standards: how to make a submission** Digitally signing a PDF is a fast and secure way to authenticate documents and ensure their integrity. Whether **you use a digital signature program or a digital certificate, following the proper steps will allow you to sign documents in an efficient and legally binding manner**. On the other hand, to make an electronic signature must be used some standards with its **set of rules and specifications that regulate the implementation and verification of digital signatures**. These standards ensure that digital signatures are reliable and recognized at national, European and international level. The following are some of the most relevant standards for making a digital signature: * **PKCS#7 (Public Key Cryptography Standards):** It is a standard that defines the format of digital signature data and how it should be stored and transmitted. It is widely used to sign and encrypt messages. * **X.509:** This model defines the format of digital certificates used to sign documents and authenticate users. It is widely used in public key infrastructures (PKI) to guarantee the security of communications and is widely used in public administrations. * **PAdES (PDF Advanced Electronic Signatures):** A specification for signing PDF documents with advanced digital signatures and ensuring their integrity. * **CAdES (CMS Advanced Electronic Signatures):** This standard is based on the CMS (Cryptographic Message Syntax) format and defines how to add digital signatures to any type of file (including the other formats we have already seen other than PDF). * **XAdES (XML Advanced Electronic Signatures):** Used to sign XML documents and guarantee their authenticity and integrity. The adoption of electronic signature standards, such as PKCS#7, X.509, PAdES, CAdES and XAdES, provides a solid basis for the international validity of digital signatures. **Always remember to protect your certificates and private keys in your digital certificate management platform such as Tecalis**, as they are fundamental for the security of your digital signatures. The **systems of reliable RegTech players use these formats to make a secure digital signature that complies with the regulations of the market where the transaction is being signed**. By adopting these electronic signature standards in your electronically signed documents, you will ensure their validity and recognition in different environments and platforms. --- ## How to use ChatGPT: Alis GPT and Digital Signatures **URL:** https://www.tecalis.com/blog/how-to-use-chatgpt-chat-gpt-alis-alisgpt-4-english-utilize **Descripción:** ChatGPT can be used from the application itself or with other applications like Alis GPT that integrate its technology. Learn more about this technology! Many users wonder **how to use ChatGPT**. The use of this chat system is **different depending on the context in which we are** going to apply it. Artificial intelligence and deep learning are transforming the way **certain types of tasks** are performed. Whether at the individual level or in **companies of all sectors of activity and sizes**, this innovative technology is within everyone's reach as it is **integrated into some digital products and services**. Tecalis is committed to innovation and offers, as always, the most advanced and cutting-edge technology to its users and customers. Just as it **anticipates regulatory changes to meet new regulatory requirements in all markets and industries**, it does the same with the latest versions of state-of-the-art technologies to make the most of advances and **apply them to crucial use cases** in the economy. **Tecalis Sign now has the ChatGPT technology through the Alis assistant,** with great capacity to help users of the [**electronic signature platform**](https://www.tecalis.com/products/electronic-signature). In this article, we will see how ChatGPT works, how it is used, and the implementation of this system in the Tecalis product ecosystem. ## **How does ChatGPT work?** ChatGPT is a **specialized artificial intelligence system that works through inputs and outputs in dialog format**. Based on the best GPT (Generative Pre-trained Transformer) language models, this chatbot makes use of AI and ML to have the ability to **understand and generate** human **language in a** surprisingly natural way. And not only language, but also the **creation of specialized documentation**. Its operation is based on a vast amount of textual data that allows it to learn **patterns, technical and legal information and linguistic structures**, enabling it to generate coherent and contextually relevant responses. To achieve this, ChatGPT uses a technique called deep learning, which involves **highly complex artificial neural networks trained with up-to-date and quality information**. These neural networks are trained on huge amounts of text to identify patterns and semantic relationships, as well as the veracity of the information. The result is **a system that can generate new and original text based on the context provided**, making it a valuable tool for content creation, technical writing, virtual assistance and many, many more business and personal uses. ## **How to use ChatGPT** **To use ChatGPT we must go to one of the platforms that facilitate its use**. We can find OpenAI's own application, the original developers of the technology, as well as other **specialized ones that use the same base to mold the application to other specific uses for relevant use cases**. ChatGPT is used through various available platforms. In the case of Tecalis, the [**online signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf) platform Sign has incorporated ChatGPT technology through the Alis GPT wizard. **Alis GPT offers an intuitive and effective way to create legal documents and other types of contractual content** through interaction with a visual chat that includes all the advances of using ChatGPT. Users can request the generation of specific and customized documents in an automated manner. You can use ChatGPT by accessing the Tecalis electronic signature platform. Just log in to Tecalis Account and look in the "my templates" section. Below we detail what it is, how it works and **how to use ChatGPT through Tecalis Sign with the system specifically designed for the creation of Alis GPT documents and contracts**: ## **Alis GPT: how to use AI for document creation** **Alis GPT is the Tecalis assistant included in the Sign electronic signature platform** with which you can interact to **obtain documents of all kinds**. You can **talk to the virtual assistant through a** simple and totally visual **chat** to request that it **generate specialized documentation in an automated way**. Alis GPT system uses ChatGPT core technology to create legal documents of all kinds. Alis is an expert in all industries of activity: **banking, financial services, insurance, real estate, legal, sales**... In this way, the **system will be able to build documentation and contracts adapted to the rules and standards of any sector**. Tecalis wants its users to be the first to use the innovative ChatGPT technology to send [**eSignature**](https://www.tecalis.com/blog/esignature-what-is-e-signature-electronic-works-esign-signatures-esignatures). Interaction with the wizard is absolutely simple, easy, and fast: both experts and less digitized users will be able to take full advantage of advanced technology. **Documents can be as simple or as complex as requested by the user**. It is important to detail what we want to do with the **maximum level of customization to** obtain a customized result. This is something simple: for example, indicating to which industry your company belongs, its name, some data of the contract, which annexes you want it to include, indicating the number of parties involved, if you want the document to be drafted in blocks, etc. In this way, **the wizard will create the document taking everything into account** so that you will have to make as few modifications as possible. The more specific and the more information you provide, the better the result will be. In any case, you can instruct it to draw up a generic sales or service contract, confidentiality agreement or acceptance of conditions and then use it to be easily edited with the data of the signatories or the parties involved. **The ChatGPT technology integrated into Alis GPT includes an expert and updated knowledge of all the regulations and norms applicable in each sector and region at a technical and legal level**. Using ChatGPT in this way is like having a legal expert automatically draft your project documents or **day-to-day business operations**. This functionality is integrated within the "**Templates**" block. Just as you can create and customize templates and layouts, it is possible to **automatically generate a document and edit it to send it for digital signature**. The document is created instantly and then you can **configure the template with the fields you want by creating forms**, requesting **documentation collection,** or even **asking** Alis GPT **to** make **changes** for you and deliver a new and more complete version of the document or contract. Below we explain the process of writing a document in an automated way with Alis GPT: 1. Create an account in Tecalis Account and log in to our product Electronic Signature (Sign). You can do it for free, with a premium trial period, or opt for one of our payment plans. 2. Access the "**My Templates**" submenu within the "Templates" functionality. 3. Click on the purple button at the top left "**Generate automatically**". 4. With this, AlisGPT launches and starts working. You can ask it to draft all kinds of documents: **from legal information to sales contracts, invoices, or confidentiality agreements**. The way to interact with AlisGPT is through a chat. 5. **Make a request to AlisGPT writing in detail what you want him to write**. You can ask him, for example: "Write a template for a contract of sale of a vehicle. It must have a table format that includes all the characteristics of the vehicle and all the fields that a purchase-sale contract has, as complete as possible. 6. AlisGPT will respond directly with the template or with any question or need for clarification. Remember to give as much information as possible and be precise in the request so that the generated document is more complete and of higher quality. 7. If you are not satisfied with the result, **write back in the chat telling him** what he has forgotten or in which direction he should redo the contract or document. For example: "Include all the essential clauses in a regular sales contract and further elaborate the document." 8. When you are satisfied with the document that AlisGPT has written for you, you can click on "**Edit by hand**" to modify some details or make changes at the structure level (place paragraphs, add spaces, bold, colors, text size, etc.). 9. Finally, click on "**Save to text library**" to store the contract in Tecalis under a name. You will be able to return to it when you want to use it in a template or to edit it again. You can also select "**Configure template**" to directly access the template editor where you can configure the fields to be filled in by the signatories and other options (see section 5 of this Guide "Customize templates and layouts"). 10. Back in the "My Templates" submenu, you will see that there are three sections: "Created by me", "**Text Library**" and "Template Gallery". You can find it in the second one if you just saved it or in the first one if you have already configured the template. 11.  To insert elements such as a logo or others, you can do it from the template configurator. 12. **After finalizing your template**, make a new submission as we have outlined in section 2 "Submit documents for signature" of this guide to make the signature request for the document that AlisGPT has drafted according to your instructions. Alis GPT, the Tecalis wizard using ChatGPT, gives users the ability to **create legally binding documents and contracts instantly and accurately**. From sales contracts to confidentiality agreements, Alis GPT is able to generate content tailored to each user's specific needs. The underlying ChatGPT technology allows Alis GPT to understand requests and create consistent and correct documents. ## **What can Chat GPT do?** Chat GPT can be used for everything from drafting **legal contracts to complex business proposal documents, invoices, or medical records**. The applications and use cases for using ChatGPT through integration with Alis are countless. ChatGPT can be programmed to analyze data and generate detailed reports in different areas, such as market analysis, financial trends, expertise reports, leasing contracts or sales statistics. This provides a valuable tool for contractual and legal documentation operations in companies and organizations. **From supplier agreements to the acquisition of a company, Alis GPT can be used to draft any type of technical and legal content.** The versatility and breadth of applications of ChatGPT are truly amazing. This artificial intelligence tool is capable of playing a pivotal role in a variety of scenarios and tasks across all industries, opening up a **range of possibilities for its use and creating new use cases and development possibilities for many businesses**. Below, we will explore some of the areas where ChatGPT can demonstrate its potential: ### **Types of documents and contracts** Below is a list of documents and contracts that can be requested to AlisGPT for their creation and drafting: * [**Financial**](https://www.tecalis.com/industries/financial-services) **documentation**: Generation of reports and documents related to financial and accounting aspects. * **Sale and purchase contracts**: Creation of contracts for transactions of goods and services. * **Service agreements**: Drafting of contractual agreements between suppliers and customers. * **Electronic invoices**: Automated generation of invoices for commercial transactions. * **Labor documents**: Creation of documents related to [**human resources**](https://www.tecalis.com/areas/human-resources-talent), such as employment contracts and internal policies. * **Insurance policies**: Generation of insurance policies and documents tailored to users' needs. * **Confidentiality agreements**: Drafting agreements to protect confidential information. * **Acceptance of terms of use**: Creation of legal documents establishing the terms of use of products and services. **This is just a small sample** of all that can be done using ChatGPT on an e-signature platform such as Tecalis Sign. From content generation to customer support to legal document creation, this technology is transforming the way we interact with information and automate various tasks in the digital age. As artificial intelligence continues to advance, it is exciting to imagine **how Alis GPT and its future iterations will continue to impact and improve the performance of different areas of business and core business**. Dare to try it today with no obligation. ## **How to use ChatGPT in English** ChatGPT can work in most languages. In the case of its integration with Alis GPT, it **features advanced inter-language functionality**: for example, **you can write the instructions and talk to the system in English and ask it to deliver the requested document or contract in English, Spanish, and Italian**. ChatGPT is capable of operating in multiple languages, making it a globally accessible tool. This allows users to not only translate or speak in one language with the wizard but to interact in one language and request the generation of documents in a different language. The integration of ChatGPT into the Tecalis Sign e-signature platform through the Alis GPT wizard offers users an **innovative and efficient way to generate legal documents and other types of contractual content of any kind**. The underlying artificial intelligence technology enables intuitive interaction and an automated and instantaneous creation process, benefiting both experts and users less familiar with the technology.  The versatility of Alis GPT covers an **absolute range of documents and contracts, being able to draft absolutely anything with all the legal and technical knowledge of the applicable area, industry, and jurisdiction**. This, coupled with **full integration within the most versatile and functional electronic signature platform**, gives users the ability to tailor and customize the generated content to their specific needs proving to be valuable tools in the business world and beyond, transforming the way we create and manage documents in today's digitized environment. --- ## PSD3: implications in the new Payments Services Directive **URL:** https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance **Descripción:** The Third Payment Services Directive (PSD3) will govern the banking ecosystem and secure electronic transactions in the European Economic Area. At the end of 2018, the second payment services directive, PSD2, came into force. Five years later, the **European Commission is starting to take the necessary steps to make the leap to PSD3**, the **new update** that comes to **expand on** what was already implemented by its predecessor, especially regarding **strengthened customer authentication and open banking protocols**. After a series of **evaluations of PSD2** in 2022, the European Commission determined that its effectiveness and scope could be improved and extended. Therefore, since then and until now Europe has been working on a more modern regulation **adapted to the needs of today's FinTech environment** with all the necessary PSD3 developments. In this article, we will define what PSD3 is, unpack all the details **about the draft that has been published** and its improvements, and explore the **impact it will have on the financial sector, banking, insurance, and related industries**. We will then compare it with PSD2, and see what steps can be followed until its final **approval and entry into force**, with dates and milestones in the calendar according to what happened previously. ## **What is PSD3: Third Payment Services Directive?** **PSD3 is the third European directive regulating payment services and related transactions**. This regulation also sets out how a large number of **processes** must be carried out **within the European Economic Area** (EEA) **banking ecosystem. Therefore**, the regulation affects all member states of the **European Union as** well as **Croatia, Iceland, and Norway** that participate in it through the European Free Trade Association (EFTA). **The United Kingdom** also adopted all the measures included in PSD2 despite Brexit and is expected to do the same with PSD3. European directives regulate relevant aspects of the economy and society and are **transposed by the states at the national and regional level after an adaptation period defined by the European Commission**. Payment services regulations **address open banking protocols,** [**digital customer identification**](https://www.tecalis.com/blog/customer-onboarding-what-is), **and a series of standards for the most common transactions in BFSI industries** (Banking, Financial Services, Insurance, and related areas). PSD3 comes to update all this content, broaden its scope, and improve the security of electronic transactions inside and outside online banking. Thus, PSD3 is an initiative that is part of the European Commission's retail payments strategy, which includes clauses to review and update guidelines and legislation at regular intervals, to adapt to market and consumer needs, as well as to technological developments and the bigger picture. ## **The successor to PSD2** [**PSD2 (Second Payment Services Directive)**](https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca) is an update of the first regulation governing payment services in the European Union. It is the successor to PSD1, created in 2007, which laid the foundations for the **SEPA (Single Euro Payments Area)**. **After the implementation of PSD2, electronic payments increased exceeding 240 billion euros in 2021 compared to 180 billion euros in 2018**. It was **published in 2015 but was not finally approved until 2018**, when a decisive step towards **open banking** was taken, forcing banks to make **changes to how they share customer data and the way in which certain types of financial transactions can be carried out through digital means**.  This led to the **expansion of financial services offered by all BFSIs and the emergence of new FinTech players**, the development of concepts such as **integrated** finance**, the** creation of Strong Client Authentication (SCA), and greater **standardization**, which has led to the joint work of different industry players that were considered competitors and **improved the overall security of the digital economy.** **On May 10, 2022, the European Commission initiated proceedings to audit and analyze PSD2.** This assessment has lasted about a year, determining the effectiveness of the standard and exploring what room for improvement exists. Thus, the European Banking Authority (EBA) responded in the form of an opinion with a proposal to the Commission with more than 200 specific measures to be included in a future improvement of the current payment services regulation. After this period, we reached **June 2023**, when the **EC published a proposal aimed at establishing a new directive and successor to the audited standard, PSD3**. On the one hand, a new update of PSD2 will be launched and, in addition and in a coordinated manner, a **Payment Services Regulation (PSR)** will be published. ## **The most important changes in PSD3 versus PSD2** PSD3 is intended to be a major update of PSD2 that seeks to improve and expand on what was already established by the previous directive by adding new concepts and involving actors that were left behind. Below are the most relevant aspects of PSD3 and its new features: * **Broader geographic scope:** PSD3 will extend the scope of the directive to cross-border electronic payments between the EEA and third countries, for both incoming and outgoing transactions. This means that payment service providers will have to comply with the same rules that apply within the EEA, such as SCA (Strong Customer Authentication) and Open Banking (or Finance in the new scenario), when dealing with customers or merchants outside the EEA. * **Broader functional scope:** The concept of Open Banking will transition to Open Finance, which means that financial service providers will be able to access data and initiate transactions not only related to bank accounts but also to other financial products, such as insurance, pensions, investments, leasing, etc. This will enable more integrated and hyper-personalized services to be offered to customers. * **Enhanced consumer protection:** The third payment services directive (PSD3) will strengthen consumer protection measures in terms of security, transparency, liability, and rights. For example, PSD3 is expected to introduce a maximum limit of liability for customers in case of fraudulent or unauthorized use of their means of payment, as well as a faster and more efficient dispute resolution mechanism. * **Increased oversight and interoperability:** Payment services will have to be provided under a common framework for the oversight and control of providers by the competent authorities, as well as for cooperation among them, including those previously mentioned from third countries and not only those of the Common European Economic Area and its permanent allies. In addition, PSD3 will promote interoperability between the different systems and technical standards used by payment service providers (intermingled with [**electronic invoicing**](https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation) and its recently approved new regulations), in order to facilitate access and competition in the market. Another important aspect, closely linked to what was being done under PSD2, is that the new regulation allows **access to and use of financial services data over and above that related to payment accounts, extending it to both variants**. Not only are all the pillars of the previous regulation maintained, such as the obligation to give full control over the data and the purposes for which it is used but a clearer liability regime will now be established in the event of leaks.  ### **New requirements in SCA Strong Client Authentication** PSD3 (Third Payment Services Directive) introduces important changes to the SCA and multi-factor authentication standards. [**SCA (Strong Customer Authentication)**](https://www.tecalis.com/blog/sca-strong-customer-authentication) is a requirement to verify a customer's identity by at least two independent factors (something they know, something they have or something they are) before authorizing an electronic payment. This concept was introduced with PSD2 and is proposed to be drastically reformed in PSD3. The formula is shaping up to be **a common financial API for strong customer authentication** across the EEA, SEPA, and partner countries. Questions are raised about alternatives to the current SCA authentication methods and options similar to what is already indicated by the **FIDO Alliance** are explored. One possible modification is to extend the SCA period from 90 to 180 days to reduce delays. Thus, many of the SCA enhancements in PSD3 focus on correctly defining **what constitutes 'online' access under payment accounts**, which is the obligation to apply strong customer authentication controls and applications to payment service users. On the other hand and in view of the extension of such a functional and secure standard, SCA mechanisms can be applied globally to all payment transactions except for some very specific cases but reduced to a minimum. In this way, **AISPs will be required to implement their own SCA strong authentication systems in addition to the one used by the banks**, which is essential for agile payment gateways and without the need to resort to another external system. This changes the responsibilities of both parties and would be done once the initial access of the former has been verified. The introduction of proprietary requirements for **card, gateway, and eCommerce schemes will be extended** and based on those already defined in SCA or new ones to be defined in a **hypothetical SCA2 or SCA3 standard**. ## **European Commission draft for the third payment services directive** On the other hand, **SEPA is taken as the main scope of application and action beyond the EEA and the EU**, with a more versatile focus and adapted to the markets and regions belonging to this area. Thus, we can summarize the objectives of PSD3 as follows: 1. Completely eliminate **identity fraud and computer security** in payment and related transactions. 2. Expand citizens' rights and give them **greater control over their data**. 3. Democratize access to a **simpler and more standardized banking ecosystem** to banks and **non-banks that have emerged as FinTech startups and other innovative BFSI companies**. 4. The transition **from Open Banking to Open Finance is** not only by improving its operation but also by expanding its scope of application to the entire economy and to any industry, betting on improved competitiveness through diversification. 5. Changes on **cash availabilities** for all currencies. 6. Cohesion and standardization of all economic guidelines and operations in the markets in which they apply. On the other hand, and going into legal detail, new definitions are included and some are modified to optimize compliance: from the **definition of payment institution or instrument to electronic money issuing services or digital funds**. The **minimum capital figures increase depending** on the scope of services provided by the company. Finally, the **safeguarding requirements are modified so as** not to apply to all funds in the same credit institution. This allows for greater security and impacts on an **expansion of the services provided such as the operation of payment systems**, and other related business activities and ensuring the execution of payment transactions such as custody or currency exchange.  In this way, we see how **new agents, distributors, and branches will come under PSD3 rules**, having previously escaped PSD2. ## **Open Banking, Open Finance and Embedded FinTech: new concepts** Open Banking is a system that allows financial service providers to **access data and initiate transactions on behalf of customers with their consent**. This involves two types of providers: **account information service providers (AISPs) and payment initiation service providers (PISPs)**. **AISPs** are entities that can access customer bank account information and **offer services such as data aggregation, financial advice, or product comparison** (Fintonic, Money Up!...). **PISPs** are entities that can **initiate payments from customers' bank accounts to merchants or other accounts, without the need for intermediaries** such as credit or debit cards (Paypal, Pecunpay...). This gave great agility to digital payments thanks to and together with **SCA techniques and other convenient APIs for users and for companies**. PSD2 brought about a radical change in the financial sector, as it opened the market to new players and forced banks to share their data and infrastructure with third parties. However, it also posed some challenges, such as technical implementation, regulatory harmonization, data protection, and fraud prevention. Much of the updates on PSD2 vs. PSD3 start from here. Open Banking is one of the fundamental pillars of PSD2 and PSD3. **Open Finance is an extension of Open Banking that encompasses other financial products in addition to bank accounts, such as insurance, pensions, investments, etc.** The aim is to offer customers a more complete and holistic view of their financial situation and provide them with access to more integrated and personalized services. On the other hand, **embedded finance** in PSD3 is an innovative way to integrate financial services into other platforms or applications, such as social networks, e-commerce, or mobility, which **will again require more SCA strong customer authentication systems.** The goal is to offer customers a **more seamless and convenient experience when making payments or accessing other** financial **services without leaving the environment they are in**. ## **Dates and approval steps for PSD3** On June 28, 2023, the **European Commission issued a press** release announcing the promulgation of the fundamentals underpinning the conceptual pillars of the Third Payment Services Directive (PSD3). With regard to the deadlines concerning the implementation of this regulation, a long period lies ahead. The future sequence in this process **involves the referral of the proposal to the European Parliament and Council, a stage in which further evaluations and amendments are planned**. However, at present, we do not have an official timetable specifying the terms of implementation and compliance. However, it is plausible to anticipate that the **final iteration of the proposal will be available towards the end of 2024, while the imposition of implementation deadlines will be set around 2026**. The forthcoming European directive on payment services will enter into force twenty days after its publication in the Official Journal of the European Union. The regulatory changes included in PSD3 require many **companies to take immediate preparatory actions in view of the impending regulatory changes**. With the **ratification of PSD3 projected for 2024**, the current timeframe calls for the implementation and formulation of innovative strategies and solutions that align with the goals outlined by the new directive. The **states, regions, and markets subject to the jurisdiction of the PSD3 will have a time margin of eighteen months from its adoption to materialize in their legal and regional spheres** each of the alterations, duties, and prerogatives newly instituted by the new payment services regulation. There is only one **exception in relation to Directive 98/26/EC, for which the maximum implementation period is six months from its enactment**. The current time point is in its infancy. It is anticipated that the European Commission will draft the relevant legal framework in the first or second quarter of 2024, that it will receive the relevant approval and that each EU/EEA member nation will have a timeframe for the incorporation of these provisions into their domestic legislation. Ultimately, PSD3 is unlikely to enter into force before 2025, or possibly even later.  It should be noted that **companies can adapt to PSD3 now**, thanks to the draft provided by the European Commission. This means that they can benefit from great advantages and benefits before its implementation and avoid penalties from the first moment the Directive becomes effective. A question that has aroused the interest of many people is whether PSD3 is a directive or a regulation, and the precise connotation of such classification. In this context, it is important to point out that this legislation is not optional, but is a **mandatory obligation for all institutions operating** in the EEA, SEPA, and associated markets. Although this panorama could suggest some friction in relation to the adoption by companies, it is essential to recognize that the metamorphosis of certain processes brings with it **advantages and benefits that outweigh the cost associated with the implementation of the modifications**. A directive, it should be emphasized, is not reduced to the status of a mere recommendation, but constitutes a **framework guideline that the member states must transpose into their respective legal frameworks, with serious penalties for failure to do so**, with the creation of specific legislation or the updating of existing legislation in the corresponding socio-economic and legal sphere. In this context, it should be noted that the terms "PSD3 Directive" and "PSD3 Regulation" are synonymous. It should be added that all the nations involved have already carried out the required procedures in this regard, which means that the regulatory objectives are in the process of being implemented and entail the **obligation of compliance for all companies operating in these markets and those related to other companies in these markets**. ## **eIDAS, Digital Euro, and the Payment Services Directive 3** As we have already mentioned, the Payments Services Directive 3 (PSD3) is expected to give a boost to innovative **FinTech, WealthTech, InsurTech,** and all the X-Tech players in other industries whose core business is not necessarily financial services activity. This will lead to the creation of synergies with companies in the telecommunications, utilities, and other sectors. The eIDAS regulation is still aligned with the new PSD3 mandates, although it is expected that the same will happen as with PSD2, and in the future, there will be a review, evaluation, and updating process beyond what is currently being worked on in **eIDAS2.** Likewise, after the halt of the **Euro Digital** regulatory framework, which was expected to come out together with the third generation of electronic payment regulations, we will see how sooner rather than later work is resumed in **ECOFIN** for this project. --- ## Timestamp: what is timestamping and its uses **URL:** https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature **Descripción:** Time stamping or timestamping is an electronic system used to guarantee that data has not been altered and was created at a specific time. Timestamps are one of the **most widely used mechanisms today to secure digital transactions and guarantee their originality**. Both as a cryptographic method and as a model for sealing sensitive documents, timestamp certificates have become a crucial tool in today's economy. The digital world has brought with it great changes in the way and methods in which we handle information and documents, as well as other types of **operations that need to be recorded**. In this context, time-stamping has emerged as an essential tool to guarantee the integrity and authenticity of data in electronic format.  In this article, we explore in depth the concept of time-stamping, its various types, applications, and its legal basis with the aim of shedding light on this essential technique in today's digital economy where trusted services are indispensable and mandatory. ## **What is a timestamp?** A **timestamp is a timestamp that is intertwined with a set of data** to certify when it was last created or modified (or as a total record of interactions prior to the timestamp). It is a kind of "electronic seal" with digital and cryptographic content that **acts as an independent witness** to when a specific event related to the information in question occurred. The time-stamping system or provider that performs the process is decisive as a mediating and independent authority. Time stamps play a fundamental role in ensuring the integrity and authenticity of data online or contained in a static digital file, although it is especially relevant in **critical transactions where an accurate record of the date and time of events such** as banking transactions or the signing of a contract **is required.** ## **What does timestamping mean?** **Timestamping** is a **process by** which the data of the time stamp (the timestamp) is encrypted together with the data of information in digital format. After this, a **certificate** is issued **that endorses, communicates, and supports this process**. The timestamp is generated using cryptographic algorithms that **ensure its immutability**. Time stamping has a concrete meaning in the field of data security and authenticity, especially in what we know as **qualified trust services or** [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) **techniques**. It means that, in a world where information can be easily manipulated, it is possible to **have irrefutable evidence of when a digital file was created or modified**. This is especially valuable in legal, financial, or business situations where an accurate record of time is needed. Time-stamping is based on **sound cryptographic principles (with advanced blockchain technologies)** and is used to prevent tampering of digital documents, making it an essential tool for online trust. ### **Time Stamping Authorities (TSA) and protocols** Also known as timestamping, timestamping is a **standard described by the Network Working Group** in RFC 3161 (with a 256-bit hash algorithm) and **fully recognized worldwide** both in the more "analog" economy and in the new digital processes and standards for secure, trusted electronic transactions. The **TSA (Timestamping Authority)** acts as a **provider of electronic certification and trust services by providing a** hash of a document or digital information whose fingerprint verifies the date and time of its creation or last modification. When the process is performed with qualified time stamping means we talk about QTSA (Qualified Time Stamp Authority) and qualified time stamps with trusted third parties. ## **Types of timestamping and timestamping** As impartial authorities, time-stamping providers **guarantee that the information contained in these digital files cannot be altered** and that in case of duplications or modifications, there will be a record of these. In this way, time stamping is a great ally of the electronic signature as it is integrated into more than one aspect of it. Time-stamping is performed through the application of **public key** infrastructure (PKI) **technologies** with encryption and decryption. E2E rules are applied when this is modified or made available to legitimate parties and owners of the information present in different locations (or with different sessions on devices connected through the Internet). It is also very important to understand the **difference between time stamping and time stamping (or time stamping)**. With different techniques and complementary legal assurance, they are systems that impact data in different ways: * **Timestamp**: The timestamp does not necessarily have to be stamped with a cryptographic process that works according to both legal and technical standards. That is, the time reference is generated but not stamped according to specific requirements. * **Time stamping:** Time stamping is the process that assigns the time reference according to the supplier as a trusted third party and its policies agreed with the agencies that give it the status of authority, providing impartiality. In this way, we see how time stamps create great legal guarantees in all types of operations and public and private transactions, including administrative ones. This gives total reliability to an execution, [**online signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf), or operation either through the Internet or in person (although digital devices must be used to make this seal, since in a paper document other types of measures are used to ensure this type of time stamps, less reliable and more vulnerable). Although, as we have seen, time stamping is based on a source of temporal information linked to a coordinated universal time as defined by the NWG standard, **there are different types of time stamping**. Each with its own **specific characteristics and is created with slightly different methods** (or **variations thereof depending on the use case**) although they respond to eIDAS standards and other international regulations. The main types include: * **Simple Time Stamping**: Simple time stamping uses a reliable time source, such as a time server, to generate a time stamp in a simple and straightforward method with simple techniques. * **Qualified Time Stamping**: Qualified time stamps are the most secure and reliable type. It is based on a digital certificate issued by a Qualified Time Stamping Authority (QTSA) recognized by public institutions that give it the status of a trusted service provider. This guarantees the authenticity and integrity of the time stamp with the support of the current legal standard. * **Blockchain-Based Time Stamping**: This approach uses state-of-the-art blockchain technology (some are configured to use superior cryptographic algorithms trained by ML) to record timestamps. It is highly tamper-resistant and is suitable for applications where a high level of security is required. * **Distributed Time Stamping**: Instead of relying on a centralized time source, distributed time stamping relies on multiple time sources dispersed in the network, which makes it more resistant to failures and attacks. However, it is much more difficult to create and is not widely used. * **Electronic Time Stamping**: This type refers to the use of time stamps in the field of electronic signatures and is essential to guarantee the authenticity of digitally signed documents. It is more a nomenclature than a type, although this denomination is currently widely used due to the rise of the essential digital signature. ### **Qualified time stamping** A qualified timestamp is one that complies with the standards and requirements established by the most demanding regulation in the region that applies the process, such as the European Union's [**eIDAS Regulation**](https://www.tecalis.com/es/blog/eidas-electronic-identification-trust-services). This implies that the timestamp has been issued by a duly accredited Time Stamping Authority (TSA) and has been generated using secure cryptographic algorithms defined in the standards. The qualification of a time stamp ensures its legal recognition in markets such as the EU and its usefulness in critical situations, such as the presentation of evidence in court in major disputes. ### **Steps to seal a quick time-stamped document** Stamping a document involves attaching a time stamp to that digital document or set of electronic data (can be done with any type of file, including videos and photographs) to certify its existence at a specific point in time on a specific date and time. This is achieved by following these steps: 1. **Document Preparation:** The document to be sealed must be ready in digital format. In case of data or other information, it should be packaged to be understood as a whole. 2. **Selection of the TSA:** Choice of a qualified and trusted Time Stamping Authority (TSA) or a qualified trusted service provider offering this same service in-house or through partners.  3. **Information Capture**: The TSA or electronic signature system takes the information to be sealed, such as a digital document or data set. 4. **Time Stamp Generation:** The document is sent to the TSA or is done by your online e-signature service. The TSA will generate a qualified timestamp and return it along with the corresponding certificate to the trusted signature and service provider. 5. **Hashing:** A cryptographic hash function is applied to the information to create a unique, fixed value that represents the original data. This value is known as a "hash digest." 6. **Attach the Stamp:** The system embeds the time stamp into the digital document by connecting end-to-end with the TSA. This can be done automatically (with RPA connectors) or manually, depending on the tool used. 7. **Optional Verification:** It may be useful to verify the time stamp to ensure its authenticity using the TSA public key. Many trusted service providers perform this for their customers in the system before signing. 8. [**Digital Signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents): The hash digest is digitally signed with the TSA private key, thus creating the time stamp. This process is linked to the electronic signature of documents in the case of online signature platforms. 9. **Certification:** The timestamp is attached to a digital certificate that contains information about the TSA and its public key. This certificate is what makes the seal qualified. This can be reflected in the audit report of some [**electronic signature**](https://www.tecalis.com/products/electronic-signature) applications and **platforms**. 10. **Secure Storage:** The timestamp and certificate are securely stored in accordance with GDPR standards, and the resulting information is provided to the requesting or signing parties to an agreement. ## **Timestamps in electronic signatures** Electronic signatures have reinvented the way we conduct transactions and agreements both in person and remotely. However, the **reliability of an electronic signature depends to a large extent on the integrity of the signed documents**. Time stamps play a key role in this context. A timestamp is used in the electronic signature to **guarantee that a signed document is immutable and has not been modified since the moment of signing**. The same for transactions and operations occurring from the time the email or message with the digital signature request is sent until it returns to the requester with the recipient's signature, everything must be recorded with full traceability, which **implies sequential timestamps according to the phases of the electronic signature process**. This is crucial to validate the authenticity of the signature in the future, especially in legal situations. In Europe, there are standards such as TS 101 733 and TS 101 903 that are linked with the ES-T and ES-C variants to add time stamps and information through querying certificate revocation lists and OCSP templates. This exempts the recipient from checking the validity of a certificate that may transition from the certification service provider.  Thus, time stamping in digital signatures **ensures that the parties involved can trust the integrity of documents and online transactions**, which is essential for the widespread adoption of electronic solutions in the business and legal environment. **Electronic signature and digital transaction regulations define how time stamps and digital signatures should interact with each other**. ### **Time stamps and certificates** **A time-stamping certificate is an essential piece of the qualified time-stamping process**. It is a digital medium that contains vital information about the Time Stamping Authority (TSA) and its public key. It can be linked to the audit report of an electronic signature process or independently as an **evidentiary document**. This certificate plays a key role in **verifying the authenticity of a qualified time stamp**. A time-stamping certificate generally contains the following elements: * **TSA Name**: The name and identification of the Time Stamping Authority that issued the certificate. In some cases, evidentiary data beyond the name is included. * **TSA Public Key:** The TSA public key, which is used to verify the digital signature of TSA-issued time stamps. * **Validity Period**: The start and end date of the certificate's validity. * **Serial Number**: A unique number that uniquely identifies the certificate. * **Time Stamping Policy**: The policies and procedures that TSA follows when issuing time stamps as well as their adaptation to the regulatory framework of the market where the stamping has been performed. Verification of a time stamp certificate is essential to confirm the authenticity of a qualified time stamp. To do this, make sure you have access to the time stamp certificate that corresponds to the stamp you wish to verify. **Online verification can be performed**: through the online services offered by the TSA that allow you to verify the authenticity of a time stamp using its certificate. Simply enter the stamp and certificate into the TSA's online verification tool and check the data. If a more manual verification is chosen, **digital certificate verification software from an** associated **cryptographic technology provider** can be used. You can import the certificate and timestamp into the tool and **verify that the digital signature on the timestamp matches the TSA public key**. It is not an official confirmation but it is very complicated that if it matches it is not a time stamping performed correctly and securely, especially in the case of electronic signatures compliant with eIDAS standards. Successful verification of the timestamp certificate guarantees that the timestamp is genuine and complies with security standards. ## **Time stamping use cases and applications** Time stamping has a wide variety of **applications in diverse industries and environments for all areas of business and in commercial operations of all types**, as well as in the field of public administrations. Some of the most common use cases include: * **Electronic Legal Contracts:** In the legal area, electronic contracts are already a standard that enjoys greater validity in court than most traditional signature methods. Time stamping is used to ensure that digitally signed **contracts** are immutable and have not been modified since signing. The same is true for [**electronic invoicing**](https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation) as well as for login and **secure access** traces according to **PSD2/SCA standards**. * **Intellectual Property Registration:** To protect copyrights and inventions, time stamping is applied to certify when a work, trademark, or invention was first created. * **Document Archiving:** In business and government, time-stamping is used to archive important information such as financial and medical records (books), ensuring their integrity over time. This extends to gambling for both gambling and brokers in the stock market as well as for electronic records or orders. * **Evidence in Litigation:** In court cases, time stamping can be used as evidence to prove the authenticity of documents and digital records in case of dispute. In this situation, it is always linked to the exercise of the electronic signature. It is a use case related to electronic visas or digital voting, already implemented in many cities by local governments. * **Supply Chain Security:** In the manufacturing and logistics industry, time stamping is used to track and verify the authenticity of products and components throughout the supply chain. ## **Legal basis for time-stamping: eIDAS, EU and trust services** Regulation plays an indisputable role in the validation and acceptance of time stamps in the legal and commercial spheres. In the European Union, the eIDAS (Electronic Identification and Trust Services for Electronic Transactions in the Internal Market) Regulation establishes a solid legal framework for trust services, including time-stamping among them and defining how it should be applied together with electronic signatures. This provides a harmonized framework for qualified time stamps by establishing the standards and requirements that Time-Stamping Authorities (TSAs) and providers must meet in order to apply them. For example, the **time stamp must be, at a minimum, signed with an** [**advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) **or advanced electronic seal.** This is described in Article 42 of the European standard and gives official organizations the ability to offer the services in conjunction with or distinct from the digital signature. The same standard recognizes that qualified time stamps in electronic format are legal evidence in legal proceedings in any of the countries of the European Union and all those that choose to regulate their electronic transaction standards using the pioneering eIDAS. A perfect legal protection at regional and international level. --- ## BSS: What is a Business Support System in telecom? **URL:** https://www.tecalis.com/blog/bss-what-is-how-it-works-business-support-system-telecommunications-oss **Descripción:** BSS (Business Support Systems) are a set of applications for operations in telecommunications and other sectors together with OSS. You have probably heard conversations recently about a **BSS being the most relevant tech solution for a business**, and these software solutions have been gaining prominence in recent years. **Business Support Systems**, known as **BSS**, play a crucial role in the **telecommunications industry and other sectors**.  In today's business world, and especially in **highly competitive markets**, **efficiency and adaptability** are critical to the success of any organization. Gaining these competitive advantages is complex and simple in equal parts, and here we will explain why. In this article, we will explore in depth what a BSS is, **how it works and integrates**, its **customer-focused solutions** and the impact it demonstrates not only in the telecommunications area but in various industries. In addition, we will analyze the differences and similarities between OSS (Operational Support Systems) and BSS and how they collaborate to drive business performance and business resource optimization. ## **What is BSS?** A **BSS is a set of applications that have been unified under a global platform and whose objective is the management of processes and operations that support the functioning of an enterprise**, company or business. This software is used by **employees and members of different areas** of an organization on a day-to-day basis to drive their activity. Initially, it is a software and concept that has been widely used in the [**telecom industry**](https://www.tecalis.com/blog/telecom-telecommunications-industry-companies-telecoms-operator-business-area-industry), although in recent years we have seen how other areas and sectors beyond telecommunications have turned to this type of platform to **improve their operations and create more secure, productive and efficient organizations**. To fully understand the function of a **Business Support System** (BSS), it is essential to understand that while sharing much of its **base structure**, these BSS systems are **different depending on the business and organization in which they are operating**. The set of applications and processes that support the business functions of a telecommunications company or, in a broader context, of any organization **are specifically designed and configured to manage aspects related to the business activity and its established dynamics**, making them **critical components in the delivery of services**. BSSs are a backbone aimed at providing the best possible end service to customers while enhancing the capabilities of employees and sales agents. In this way, **Business Support Systems fully impact products, payments, invoicing and stock to run business operations at peak performance**. ## **How does BSS work?** BSS software tools are widely used as essential **IT systems** for the proper functioning of customer-related activity, commercial work and other product functionalities in [**telephone companies**](https://www.tecalis.com/blog/telephony-telephone-phone-companies-mobile-fiber-best-company-cheap-operator-telecom) (**large operators, MVNOs, MNOs and MVNOs**) and telecommunications businesses since before 2008. In addition, these have been extended to the partners and business partners of these companies (distributors, call-centers, ecommerce, associated stores...), working with them in a coordinated way. BSSs operate by **modules, processes or business units**. Initially, these business support systems combined software and hardware to share data between different work structures. They featured **automatic data exchange between systems called streaming provisioning**, with arduous integration models. Today, **achieving consistent connections between different tools and processes** is much easier and simpler thanks to technological advances such as RPA and AI implemented in the best BSS. Now, these current platforms give a global business vision and **solve the complexity of network management** for any type of organization.  Thus, **marketers, sales and other growth-critical areas** can concentrate on better and easier **campaigning, range building, tariff changes, hyper-segmentation by plan, etc. Without the need to impact the IT network platform** to make relevant changes while using it to design a comprehensive customer management system. ## **Customer-focused BSS solutions** BSSs are backbone systems that include operations and services from one end to the other**, supporting real-time service delivery**. They all act **from one interface for business use** where **transactions, operations, flows and processes of all kinds are triggered.** As we have been saying, not all business support systems are the same, and each supplier or developer composes the base structure from a different perspective. Furthermore, after the integration of this base system, **the program is adapted and configured to the functional reality of the company**. ### **Customer Hub** This has given rise to BSS systems such as [**Tecalis Customer Hub**](https://www.tecalis.com/products/customer-hub-sales), whose **holistic system** perspective impacts and connects with all channels. A way of understanding a business from a multi-channel experience but where **workflows and operations are designed taking into account the customer journey** of each segment and market. Creating a unified **system and network of proprietary and alternative points of sale** under a global platform that **provides network professionals with the best tools for doing business** is possible thanks to a highly competitive **SaaS** that can be **up and running in a telecom, BFSI or utility in less than 45 days.** From the **activation of new points of sale**, through **customer registrations** and contract signings with regulatory-compliant identity verification checks, to the approval and **validation of indirect channel merchandising**, innovation has enabled the creation of a differentiated BSS **used by leading industry players.** On the other hand, the fact that a **RegTech QTSP partner** is the orchestrator of this model means that each operation is traceable and obtains a qualified **certificate** with the **safety** standards set by the **requirements of the most demanding regulations** of each market and sector to achieve the so desired **zero penalties.** ## **Functionalities of business support systems** While SaaS solutions such as Tecalis Customer Hub cover many, many more areas beyond those defined below, **as a general rule BSSs, at a minimum, address** the needs and provide tools related to the following **business functions**: ### **Customer and product management** A BSS starts by **capturing and storing customer data**. This includes **personal information** (which must be handled in accordance with **GDPR**), contact details, **identity documentation** (which must be **verified in accordance with** [**KYC/AML**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data) **standards and with anti-fraud controls**), contracted services, billing history and customer preferences. **Accuracy and security** in the management of this data are crucial to maintain customer trust and proper business operations. Similarly, they **store and manage information about their accounts, contracted products, and interaction history**. This allows telecommunications companies to provide a **hyper-personalized** and targeted **service.** We will see how to add tools for a good **pricing strategy (discounts)**, offer and price **configurators** between products and other solutions. ### **Order Management and Service Activation** When a customer places a service order, the BSS takes care of handling it. The same is true when it comes to **orders placed by the various points of sale at the head office**. **From receipt of the order to its activation**, the system ensures that the process is smooth and efficient. This involves **allocating resources, activating services and generating the corresponding invoices**. On the other hand, support systems enable companies to define and manage the services and products offered, as well as their rates and features. This facilitates the creation and customization of offers for different customer segments. They can also control the **breakdown of orders, their control, possible errors and visualizations of the status of both procurement and service**. ### **Invoicing, payments and collection** One of the most critical aspects of a BSS is billing and collection. The system generates accurate [**digital invoices**](https://www.tecalis.com/blog/digital-invoice-electronic-certificate-invoices-mandatory-example) based on service consumption and manages customer payments. It can also manage recurring billing and long-term contracts. **In terms of commissioning, this includes the settlement of amounts.** In this way, the needs of customers and wholesalers are met with mediation systems and the presentation of invoices together with departments such as finance and controllers. ### **Customer and after-sales services** BSS systems provide customer service teams with quick access to relevant customer information, and the best ones also integrate these into companies' ecommerce customer spaces. This enables them to **resolve queries, handle complaints and deliver high-quality service**. **Cross-sale** is an outstanding functionality of the best enterprise support systems, demonstrating a holistic view of enterprise platforms and unleashing great new business opportunities. ### **Optimization: Analytics, data, reporting and OSS** Business Support Systems often work with Operational Support Systems (OSS) to ensure smooth end-to-end operation. OSSs handle network management and technical resources, while BSSs focus on customer interactions and billing. **The data collected by the BSS is used for analysis and optimization of sales and commercial networks as well as for channelling demands from different markets to make network growth forecasts for telecom, banking or energy for** example. Companies can identify trends, evaluate service performance and make informed decisions to improve operational efficiency and customer satisfaction. Data collection and analysis are critical to making informed decisions. BSSs provide tools to analyze business performance and detect areas for improvement. Overall, a BSS plays a crucial role in managing the business operations of a telecommunications company, ensuring customer satisfaction and operational efficiency. ## **BSS in the telecommunications sector** Instead of covering the technological needs of the service network, BSSs help **manage and streamline corporate, business and commercial operations** in the telecommunications sector. It is like an **ERP** (Enterprise Resource Planning Software) **counterpart** for SMEs but on a large scale and with a 100% ad-hoc approach. These business interfaces, also known as **sales front ends,** monitor and facilitate the full range of business activities that have some kind of relationship with the customer and their service.  Another software that is often confused with these are **CRMs** (Customer Relationship Management Platforms), since **a BSS also includes all the functionalities of these sales and marketing software.** The following is a **simple list of use cases that have been solved by the best BSSs in some telecoms**: ### **Use cases solved by BSS in the telecom sector** * **Auto-Activation of SIM cards**. Avoiding **SIM Swapping** and other [**frauds in the telecommunications sector**](https://www.tecalis.com/blog/fraud-telecommunications-telco-telecom-industry-types-prevent-risk-company-sanctions-solutions). * Landline, mobile, television and internet **registrations.** * **Collection, validation and submission of identification documentation for** acceptance by the competent authorities of each market as required by the standard. * **Supervision and management of technical and operational activities** of the entire proprietary and alternative commercial network. * **Comprehensive Point of Sale (POS) management** with order, revenue, stock and back-office administration. * **Subscriptions and electronic notifications (certified communication)** to **customers**. * **Intercommunication between teams, training of sales agents and gamification of sales incentives.** * **Offer configurators.** ## **Business support systems in other industries** While Business Support Systems (BSS) are fundamental and were born in the telecommunications industry, their usefulness extends to other industries. Below, we will explore how **BSSs find application in sectors such as utilities, energy, supply, banking and insurance**. ### **Utilities: Energy and supplies** Utilities, such as **electricity, gas, water and the like**, use BSS for many purposes. In general, they work in the same way as in telecommunications, but they stand out: * Manage customer **billing and payments.** * Coordinate the **distribution of services**. * Maintain accurate records of consumers and their consumption history. * In the energy sector, BSSs play an important role in managing the billing of electricity and gas services and linking them to **meter readings**. * Enable **real-time monitoring of energy demand and generation**. * Facilitate contract management and service activation. * Supply companies, such as food and commodity companies, use BSS to manage **inventory and** product **orders.** * Optimize **supply chains and reduce costs**. ### **Banking and financial services** In the banking, FinTech and related sectors, BSSs are used for: * **Manage customer accounts and their financial history**. * Sign up new customers according to the most demanding requirements and **activate credit cards or accounts remotely**. * **Facilitate the management of loans and credit cards**. * Automate **compliance and regulatory processes**. * Send **certified communications** to your customers. * Offer consumers a personalized shopping experience. ### **Insurance, renting and similar industries** Insurance companies use BSS to: * Manage **policies** and customer **claims.** * **Evaluate risks and establish insurance rates**. * Optimize the **management of the insurance portfolio**. * Create automated scores and connect with other entities. * Verify the identity of customers. * **Validate sensitive documentation such as payroll with KYB/OCR and pre-approve products**. * **Consult the fleet of vehicles when a customer makes a rental inquiry.** In short, BSS Enterprise Support Systems are not limited to telecommunications; their versatility makes them valuable in a wide variety of industries, where they help improve operational efficiency and customer satisfaction. ## **Benefits and features of Business Support Systems** 1. BSS are **global tools** that include all the necessary tools for a business and that **integrate with the company's core network and upstream IT systems** without the need for complex developments. 2. The best systems are **proven solutions** that have already been successful and rapidly deployed in highly competitive markets. 3. They have **multi-service convergences** that allow the **deployment of new services** such as **FTTH, TV, energy and any type of product to diversify business in the telecom, BFSI, utilities and other areas**. 4. **They work with many** different brands in unison for the same business, verticals and even partners with disparate systems with total security and confidence. 5. They are **multi-language** and adapt to the operators as well as to the customer or employee who is using it by **access levels** according to their defined profile. 6. They allow the creation of **intelligent ecommerce portals** to bring the business proposal to the **online channel directly or indirectly**. 7. They are connected to the **call centers** and give the same possibilities and capabilities to do business to their employees and managers. 8. They can be integrated via **APIs**, WebHook, WebServices or cloud operation, depending on the organization's requirements. 9. Management by hierarchies to compose the service and sales network as desired. 10. The BSS provider usually facilitates integration **without the need to rely on third parties**. 11. **It includes RegTech technology such as Identity Verification (KYC/AML), Digital Onboarding, Electronic Signature and Invoice, Digital Contracting, Payment Gateways, Certified Customer Notifications, PSD2/SCA connection with bank scraping to create automated scores by consumer profile...** ## **OSS and BSS: differences, similarities and how they work together** **OSS and BSS** are truly complex and differentiated products whose **coordination with each other allows orders to be processed in order to intertwine commercial activity with service (telecom network management, energy or banking)**. It is a **complex web of self-management systems** that **uses the resources** currently available and **optimizes** them to the maximum in an intelligent way. Operations Support Systems (OSS) and Business Support Systems (BSS) are fundamental components in the operations of telecommunications companies. **Although they play distinct roles, they work together to ensure efficient network operation and customer satisfaction**. In the following, we will examine the differences, similarities and how OSS and BSS work together. In terms of **focus**, OSS (Operational Support Systems) focus on network management, equipment configuration and technical infrastructure monitoring while BSS (Business Support Systems) are customer-oriented and focus on customer management, billing and pre-, during and post-sales support. The **main objective of** an OSS is to ensure that the network functions correctly, optimize performance and solve technical problems, while the BSS seeks to improve customer satisfaction, offer personalized services and efficiently manage business processes. Although they have different approaches, **OSS and BSS must work together to provide an end-to-end experience for the customer**. For example, when a customer requests a new service (BSS), OSS is responsible for activating and configuring that service on the network. When a customer has a technical problem, the BSS can access data from the OSS to obtain detailed information about the configuration of their service and assist in resolving the problem. Both systems share relevant data, such as customer information and service details. This collaboration enables smooth and accurate service delivery. In summary, although OSS and BSS have different approaches and objectives, their collaboration is essential to provide an end-to-end customer experience and ensure the efficient operation of a telecommunications, banking, finance, insurance, utilities, energy, or leasing company. --- ## OSS and BSS: how do they work in telecommunications? **URL:** https://www.tecalis.com/blog/oss-bss-operational-and-business-support-systems-what-is-difference-telecommunications **Descripción:** OSS/BSS are business support systems for telecommunications and other industries to service and manage business operations. **OSS and BSS** systems are essential for the efficient operation of telecommunications companies, especially **mobile, fixed-line and Internet operators**. These two types of systems address a number of **specific needs of different functional areas within these businesses and support the business activity and the telecom service they offer to customers**. Next, we will explore in depth what **Operational Support Systems (OSS)** and **Business Support Systems (BSS)** are, how they work, their key differences and how they are **coordinated to respond to the daily activity of telecommunications services**. We will also see how they have been modified to **reach other industries beyond the telecom sector**, where they have brought great benefits and growth to their user companies. ## **What is an OSS?** OSS is a **platform for the management and execution of Operational Support Systems** that cover all the operations and activity of a service or supply business. In other words, a **set of tools and applications unified under a complete software designed to manage the technical operations and infrastructure of a** telecommunications **network.** As we will see later, this term has been extended to other industries, where the objective is not the management and operation of a telecommunications network but of a network of energy, gas, water or financial services such as insurance.  OSS (operations support systems) cover a **wide range of functions**, among which **the following stand out**: 1. **Network Management**: OSS supervises and manages the network infrastructure, which involves the configuration and control of telecommunications equipment, as well as monitoring its performance. This ensures that the network functions optimally. 2. **Resource Control**: OSS systems manage network resources, such as bandwidth allocation, capacity management and IP address management. This is crucial to ensure the availability of resources when users require them. 3. **Troubleshooting**: Network problems are detected and diagnosed, enabling rapid resolution. This feature is vital to minimize downtime and ensure a seamless experience for users. 4. **Service Billing**: Collection and provision of data that is used in the service billing process. This ensures that customers are billed accurately and in a timely manner for the services they consume. In short, Operational Support Systems (OSS) are the **technical engine behind the operations of the** [**telecommunications**](https://www.tecalis.com/blog/telecom-telecommunications-industry-companies-telecoms-operator-business-area-industry) industry, ensuring that the network runs smoothly and resources are used efficiently. ## **What is a BSS?** BSS are software systems that focus on **commercial, economic and customer relationship operations**. [**Business Support Systems (BSS)**](https://www.tecalis.com/blog/bss-what-is-how-it-works-business-support-system-telecommunications-oss), on the other hand, comprise a series of applications that facilitate a company's growth activity. Together with operations support systems (OSS), BSSs are used to support various end-to-end telecommunications services (e.g. telephone services). BSS handles **order intake, payment issues, revenue, etc.** It supports OSS in four key business processes: product management, order management, revenue management and customer management. On the other hand, it supports the **development of ranges, their markets, sales and the management of products, offers and packages for companies and individual customers.** Product management regularly includes offering aggregation discounts, cross-sale, pricing with automated configurators and managing relationships between verticals. **Service providers need a single view of the customer** and often structure complex hierarchies in customer-facing applications (across all their channels and markets). Customer management also covers the requirements for working with business partners and 24/7 web-based self-service. It can also be considered a **complete customer relationship management system** that is implemented to help customer service agents deal with customers in a better and more informed way, although the most powerful and optimized ones are included within OSS/BSS as we have seen. Order decomposition details the rules for decomposing a sales order into multiple work orders or service orders. For example, a **Triple Play sales order with three services** \- fixed telephony, Internet and wireless - can be broken down into three **sub-orders**, one for each line of business. Each of the sub-orders will be fulfilled separately in their own procurement systems. **This is the same for utilities or some BFSIs.** However, there may be dependencies in each sub-request; for example, an Internet sub-request can only be fulfilled when the fixed line has been properly installed, provisioned and activated at the customer's premises. Thus, **order orchestration is an application within BSS/OSS** used by telecommunication companies to **accurately manage, process and process their customers' orders through a multiple** order **capture and fulfillment network. It** contributes to the **cross-aggregation of data from different order capture and processing systems and provides a comprehensive platform for customer order management**.  It has been widely applied in recent times, due to its advanced and accurate reporting efficiency and **low processing costs**, allowing for reduced manual processes and faster results. Its radical exception-response based operation and proactive monitoring allows you to centralize order data accurately and easily. Another relevant aspect is Order Failure Management, which helps to fully resolve unconverted customers through the detection, notification and recovery process, helping the order to be processed sustainably and accurately. **This example also applies to when a customer does not end up signing and the opportunity is forwarded to a sales agent in another channel to close.** ## **What does OSS and BSS mean?** OSS and BSS are complementary terms in many respects and are grouped according to the software vendor providing the solution. While **OSS focuses on the infrastructure and technical performance of the network, its operational performance and optimization**, **BSS** focuses on **business operations, sales, economics and the customer journey**. The interaction of these two systems is essential for the integral operation of a telecommunications company or industries such as utilities (energy, water, light, gas, supplies...) or some BFSI (Financial Services, Insurance...). BSS and OSS have their own responsibilities for data and services, grouping together to fully understand the software systems that run an organization but are generally **built separately and then integrated together to better meet the needs of each area.**  The two systems together are abbreviated in several ways that are synonymous with each other and can be used interchangeably. Namely: OSS/BSS, BSS/OSS, B/OSS, BSSOSS, OSSBSS or BOSS. Some experts and analysts take an upward network approach to these systems (hence OSS/BSS) and others a downward business approach (hence BSS/OSS). But, as previously mentioned, the most common and optimized approach is for **each to be designed specifically for its intended and targeted operation (by expert providers in each subject area - customer care / service networks)** and then connected together in an appropriate way to achieve a seamless and personalized flow of information and work. BSS is used in the singular to refer to all business support systems, considered as a complete system provided by the best specialized software developers. ## **Key differences** Despite their **collaboration in the ecosystem** of a service or supply delivery organization, OSS and BSS have different approaches and objectives. In the following, we will discuss the key differences between these two sets of systems: ### **Approach** * OSS (Operational Support Systems): Their main focus is on the service infrastructure and its technical performance. They ensure **that the network runs smoothly and that the necessary resources are available to supply them** to customers. * BSS (Business Support Systems): They focus on commercial operations and attention to customer needs. They manage **consumer relations, point-of-sale operations, automated billing and order management**. They also work with and on **suppliers and business partners**. ### **Objectives** * OSS: Their objective is to guarantee network availability and efficiency. They **control the infrastructure and solve technical problems**. * BSS: They seek to **improve customer satisfaction, increase sales and optimize business operations and marketing resources and growth in each market**. They offer customized services and manage efficient business processes. ### **Functions** * OSS: Performs technical functions such as network **monitoring**, service resource management and **supervision of** technical problems. * BSS: Performs commercial functions such as **customer management**, sales agents, face-to-face and online points of sale, payments and data analysis. ### **Interaction** * OSS and BSS: They work together to **ensure the delivery of** telecommunications **services.**  * BSS is used to interact with elements generally external to the company (customers, partners, partners, suppliers...) OSS with own systems (maintenance technicians, materials, infrastructure, systems...). These fundamental differences reflect the **distinctive roles of OSS and BSS in the** telecom **ecosystem** and how they contribute in complementary ways to the success of a telecom business. Order management as a principle of assurance is usually associated with OSS, although BSS is often the business driver for order fulfillment and procurement management and the **tools to win customers and build customer loyalty**. ## **Coordinating business systems and OSS/BSS support** OSS/BSS works closely together to ensure the efficient delivery of telecommunications services. When a customer requests a new service, BSS handles order management and billing, while OSS is responsible for activating and configuring that service on the network. In addition, data generated by the network (OSS) is used in billing and data analysis (BSS), ensuring that customers are billed accurately and that business decisions are based on reliable information. The combination of OSS and BSS is critical to providing an end-to-end customer experience and keeping a business running efficiently. It is critical to ensure the efficient delivery of services. This collaboration translates into an enhanced customer experience, resource optimization and a more efficient business operation. Let's take a look at how these systems coordinate: When a customer requests a new service, BSS systems handle order management, billing and customer relationship management. Simultaneously, the OSS systems activate and configure that service on the network, ensuring that it is available and functioning properly. **Shared data is used to enable OSS and BSS systems to generate valuable data on network performance and technical resources as well as demand already present in current customers and forecasts if active business opportunities were to be terminated.** This data is shared with the systems that use it for accurate billing and data analysis to make informed business decisions. When network problems are detected, OSS identifies and diagnoses technical faults. Information about these problems is shared with BSS, which can notify affected customers and manage troubleshooting efficiently. ## **How best-of-breed BSS and OSS solutions work** Choosing the right OSS and BSS solutions is essential to the success of a telecommunications company. Here are some key considerations when selecting the best OSS/BSS solutions: * **Integration: Ensuring** that OSS and BSS solutions are integrated **effectively and quickly** is crucial. Integration enables seamless coordination and effective collaboration between systems and performance to achieve desired KPIs. There are now **BSSaaS solutions** that can be up and running in less than 45 days and are growing and upgrading along with the business. * **Scalability:** BSS/OSS must be scalable to adapt to business growth and changing market demands. * **Automation:** Automation of processes, such as service activation, **identity documentation collection and processing**, and billing, is essential to improve efficiency and reduce operating costs. * **Data Analytics:** OSS and BSS solutions must provide robust data analytics capabilities to **make informed decisions and improve** business **performance.** * **Personalization:** The ability to **customize offerings and services** is vital to meet changing customer needs and foster customer loyalty. Demonstrated synergies to expand the market and meet current demands are important. * **Anti-fraud tools:** Fraud in telecommunications is a growing concern. Fortunately, **RegTech service providers that have designed OSS/BSS integrate electronic signature, identity verification and dozens of anti-fraud control measures** to **meet the regulatory requirements of each market, prevent penalties and reduce costs of dealing with fraud committed by lack of trusted systems**. Choosing the right OSS and BSS solutions should be based on the specific needs of the business and its focus on improving customer experience and operational efficiency. ## **Telecommunications: use cases and BSS/OSS systems** The first sector par excellence where we saw these software is in the telecommunications industry. They are **essential systems** that go hand in hand with each and every one of the components and workers of the organization that have given success to an **increasingly competitive market**.  We see how **cloud solutions** are best-of-breed and can **optimize 5G network performance** and create new opportunities for growth and sales through **vertical technologies such as perimeter and the Internet of Things IoT**. Telecom **business intelligence** is critical and a competitive advantage in a complex and changing industry. In the telecommunications and telephony industry, the successful implementation of BSS and OSS solutions is essential to maintain competitiveness and provide high quality services.  While until now OSS was run by backend professionals, unlike **BSS which is frontend,** both core employees and developers or engineers can now **find front-ends to work with on core infrastructure operations managed by OSS such as**: * Inventory of networks. * Composite services and SLA * Network architecture and LAN or WAN services in availability. * Reconfiguration and modeling. * Frameworks that integrate several multi-brand suppliers. * Work on FCAPS models (faults, configuration, accounting, performance and security). * Network data processing modules and related device drivers (SNMP, Syslog, NetFlow, etc.) * VoIP and unified communications * Fraud prevention. * Allocation and reconciliation of resources. * Service Order Management (SOM). ## **OSS BSS in Utilities, BFSI and other industries** While business and operations support systems are fundamental in telecommunications, their utility extends to other industries, such as **utilities, BFSI (banking, finance, insurance) and more**. Below, we will examine how OSS BSS systems are applied in these industries: 1. **Utilities:** Utilities such as electricity, gas and water also use OSS and BSS systems to manage service distribution, customer billing and accurate record keeping. 2. **BFSI (Banking, Finance, Insurance):** In the BFSI sector, business systems are used to manage customer accounts, financial services billing, process automation and electronic transactions, and insurance portfolio management. 3. **Energy:** In the energy sector, they play an important role in the supervision of energy generation and distribution, billing management and customer service. 4. **Supplies:** Supply companies, such as food and commodities, use OSS and BSS systems to manage inventories, optimize supply chains and deliver personalized shopping experiences. **The versatility of OSS and BSS systems makes them valuable in a wide variety of industries, where they help improve operational efficiency and customer satisfaction.** In an increasingly interconnected world, OSS and BSS play a critical role in delivering high-quality services, optimizing resources and improving the customer experience. Choosing the right solutions and effectively coordinating these systems is the key to success in telecommunications and beyond. --- ## Software for freelancers: finance, sales and billing **URL:** https://www.tecalis.com/blog/software-self-employed-freelance-applications-financial-management-accounting-sales-invoicing-small-business **Descripción:** Optimizing financial management is possible with accounting software for freelancers. Learn how to choose the best alternative for your business. Financial management is a **vital part of any business** and enterprise (whether it is a large company, an SME or a micro-enterprise), and this is no exception for the **self-employed**. Although financial management is often associated with large companies or multinational corporations, the reality is that freelancers also need to keep a **close eye on their finances** to ensure the success of their business. Fortunately, there are a variety **of** useful **programs** for freelancers. If you are a freelancer, these programs will make it much easier for you to manage your finances. In this article, we will discuss the accounting and management software that you, as a freelancer, should be familiar with. At the same time, we explain what an accounting software is and why it is important for you to use it. As a freelancer, you probably already have software for freelancers in your industry. For example, if you're a programmer, you'll have solutions for writing your code. But how are you **managing your small business?** Imagine having full control of your finances and operations, without wasting valuable hours on administrative tasks. The good news is that there are a **range of applications designed to do just that**. Below we will explore some of the **most effective tools that will make financial management, accounting, sales and invoicing a breeze** for you. Read on if you'd like to do more with less on a daily basis. ## **The best accounting software for freelancers**  **Choosing the best accounting software for your freelance business can be a challenge.** This is because there are many options on the market that may or may not fit your needs. For this reason, you should consider several factors when choosing a program.  These factors are explained below:  * **Functionalities:** always think about the specific characteristics of your business: do you need to **keep track of your signed contracts** or are you more concerned with **sending** [**electronic invoices**](https://www.tecalis.com/es/blog/factura-electronica-obligatoria-facturacion-gratis-como-hacer-empresas-programas-aplicaciones-tipos) **with certified notifications**? Make sure that the software you choose meets your needs.  * **Ease of use:** If you're self-employed, you know what it's like to be multitasking. That's why it's crucial that your accounting software has everything you need for your business and can perform complex tasks in a matter of minutes.  * **Integrations:** if you already use other tools for your business, it may be useful for your accounting software to integrate with them. With this, you get to keep your data in one place.  * **Customer support:** look for your provider to have a help desk to solve your frequent problems and support every day of the week. This is important when there are overloads or you cannot consult your information online for any reason.  Accounting software can be an invaluable tool for freelancers, allowing them to take control of their finances while **saving time and money**. By deciphering the features of the accounting software highlighted in this article, you'll be able to determine which one best suits your business needs.  Ultimately, the choice is up to you, so be sure to do your research thoroughly before deciding on a particular platform. As a freelancer, you'll need all the help you can get when it comes to financial management and taxation, and accounting software provides you with just that, much more efficiently than the manual option.  It will not only allow you to increase your efficiency, but also to ensure **that your operations are taken care of from a legal point of view.** ### **Key features and functionalities** **The management software in the cloud that is intended for small and medium-sized companies, but can also be used by freelancers**, is the most versatile and will respond perfectly to a future growth in the volume of operations.  They should allow you to create and send invoices, as well as monitor your operations in real time. Hence their usefulness for the self-employed. At the same time, Holded automates business processes, which can increase your efficiency and productivity.  **Developed and marketed by RegTech companies**, these software products are designed to help **small and medium-sized businesses and freelancers** manage their finances**.** They act as a suite with different features that, as a freelancer, allow you to:  * Track income and expenses by **sending** [**digitally signed**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) **invoices**. * **Automated contract drafting with GPT models.** * Generate online payments. * Produce financial reports, validate and share them. * **Collect identity information from customers.** Some have **PSD2 and PSD3 banking integrations, allowing you to perform due diligence checks before working with a supplier or customer**_._ You can add your bank accounts and invoicing to automate complex scoring processes. As you can see, accounting software is not only designed for corporations, but also for freelancers and businesses like the one you are currently working with.  **The fact that they are in the cloud means that they are designed to facilitate financial management for small businesses and freelancers working from anywhere. On the** other hand, the best programs for freelancers offer a simple and intuitive interface that allows users to keep an efficient control, without the need for advanced knowledge.  Through these functions, the **risk of** human **error is minimized**. This can be really attractive for freelancers who have to outsource work that they cannot do due to time constraints or because they need special skills and abilities for the business.  **Many vendors offer free online programs aimed at small businesses, consultants and freelancers.** Today, these programs offer a wide variety of features that can help you manage your finances, operations, sales and more.  You can record all your transactions and categorize them. With this feature, you will make sense of everything. You can create and send personalized invoices to all your customers and you can **track their status (sent, delivered, opened, read... through many different channels)**. **The best systems also issue automatic alerts and reminders to customers to sign.**  You can send documents to all persons and entities as well as customize them with **forms, signature options, additional identity checks, validated data collection, and so on**. This means that your documents will come with your business logo and contact details, dozens of configurable options and other features added to the mailing, which will enhance your reputation and also your personal brand.  Sales management solutions such as **Customer Hub** allow you to manage your business in a professional and productive way, even if you start to grow and have sales partners. Simultaneously, it alerts you of changes in real time.  If you have a team, let each of your collaborators customize their tools and their respective functions in the way that is most convenient for them and for you. You can keep track of orders and product stock or integrate custom service modules to do things like: * Installation and repair orders * Control points of sale * Retain customers * Create POS online ## **Sales and Marketing software for independent professionals** Many professionals are tired of spending hours on sales and marketing tasks. Fortunately, automation is here to free up resources. From lead acquisition to customer management, everything can be on autopilot. There are specific programs for sales. These will help you not to stagnate with your current client portfolio. You will be able to build loyalty and attract new contacts. * [**Commercial management**](https://www.tecalis.com/blog/ecommerce-management-b2b-b2c-e-commerce-tools-top-best-sales-marketing) of clients and contacts. * **Invoicing and generation of estimates and quotations.** * **Sales tracking and order status.** * **Performance reports and sales analysis.** * Reminders and calendar of commercial activities. * Integration with e-mail and calendar tools. * **Management of documents** and files related to sales. * **Data security and backup** for enterprise protection. As for marketing, this is another leg of your business that you can improve with digitization. In fact, today you even have Artificial Intelligence solutions. Functionalities with programs for marketing freelancers: * Automation of e-mail campaigns. * Social media management and publication scheduling. * Data analysis and campaign metrics. * Audience segmentation and content personalization. * **ROI reporting and conversion analysis.** * Tracking and management of links for campaign follow-up. * **Creation and management of forms**. * AI-aided content writing and engaging designs. * **Integration with analysis platforms.** * **Marketing automation based on customer behavior.** **Automating your sales and marketing strategies is like putting your business on autopilot to success.** Segment, automate and analyze to reach your audience precisely. Customize and adapt your tactics as you go. These tools will give you the competitive edge you need in a fierce marketplace.  You should see a real increase in your conversions and a growth in your sales. Of course, it won't happen overnight and don't expect technology to do everything. There are certain activities that should not lose the human touch, that will give more confidence to your customers. Also, don't forget that not even the best tools work well without a mind that has a strategy. Design your plan, put the resources to work, and watch the magic happen! ## **Project management for self-employed professionals** Whether you work alone or with a team, an app like Slack or Trello can be very practical. Forget about endless emails, that's what project managers are for. **Apps like Tecalis Sign include a calendar view that allows you to properly manage your internal and external operations and deliveries.** They allow you to follow up with ease, without making coordination just another item on the never-ending list of _to-do's_. Also, avoid overloading your team and make sure each member is assigned the right tasks. Also, avoid overloading your team and make sure each member is assigned to the right tasks. **Characteristics that this type of solutions usually have:** * Efficient assignment of tasks and monitoring of the team's progress. * Transparent communication and seamless collaboration among team members. * **Automated reminders** to stay on top of important deadlines. * Clear visualization of project progress through calendars. * Optimal resource allocation to maximize team productivity. * **Generation of detailed reports** to evaluate the status and performance of your operations. * [**Time clock app with GPS**](https://www.workyard.com/time-clock-app-with-gps) in order to track collaborators' activity and work. This way, professionals can catomate timesheets to payroll & job costing. * **Integration of tools** to simplify and streamline workflow. With these automation tools, you can keep your projects on track without additional stress. That's how projects are completed on time and successfully. ## **How to choose the best programs for SMEs?** There is so much choice when looking for software solutions for freelancers, it can be overwhelming. If you don't know where to start, these tips will help you filter through the most suitable solutions. Find the solutions that most appeal to you, and start analyzing whether they meet these characteristics. This will help you narrow down what you are interested in and what you are not. * **Simple and easy to use interface to streamline your processes.** * Make sure the program **fits your business**. * Select **necessary functions**, avoid superfluous features. * **Verify** integrations with other tools for efficiency. * Compliance with **security and data protection standards**. * Choose a program with efficient troubleshooting **support.** * **Regular updates for new features** and solutions. * **Take advantage of trial versions** to familiarize yourself with the program. * Consider **scalability** for business growth. * Value the **ability to customize** for greater control. * Make sure it works correctly on any channel (**mobile, desktop, SMS...**). * Find **learning resources** to get the most out of the program. * Consult **experts** or seek industry recommendations. As you can see, the way to choose the best software for your professional project is to analyze all this. This way you can invest in what you need in your specific case. There is no perfect program for everyone, only you know what solutions you need. Analyze your case, think about what will improve your performance the most, and start researching.  Remember, before you invest, try a free demo so you can evaluate if the program is what it promises. ## **Accounting software: what are they and why should you use them?** **An accounting software for freelancers is a computer tool used to keep track of all transactions related to finances.** Generally, these programs are very useful for people who are self-employed, since they allow them to **control their** [**contracts**](https://www.tecalis.com/blog/how-to-sign-a-document-with-digital-signature-digitally-pdf-word-electronically-electronically)**, income, invoices and other** important **financial aspects** in an efficient way. There are several reasons why freelancers should use such a technology tool. Here are just a few of the reasons:  * **Time savings**: by automating certain tasks, such as reporting or tax preparation, accounting software allows you to spend more time on important activities.  * **Greater accuracy**: when you use an accounting software, you avoid human errors. This ensures greater accuracy of information.  * **Financial control**: if you have a financial record of your income and expenses, you can have better control over your finances and make more informed decisions about your business.  * **Compliance with regulations:** another advantage of these programs is that they allow you to be updated with current laws, which helps you to comply with your tax obligations in an adequate manner. ## **Financial and Accounting Management** Keeping up with bills, payments and taxes can be a big headache. That's why there's nothing like a little technological help to make it easier. You can have, for example, an [**accounting program for freelancers**](https://www.holded.com/es/blog/programa-facturacion-autonomos) such as Tecalis Customer Hub and Sign. This type of resource helps you organize all administrative issues. To give you an idea, these are some of the functionalities that you can find in an app of this type: * Detailed follow-up of contracts and orders. * **Generation of customized reports.** * Budget and planning functions. * Integration with bank accounts and credit cards. * Alerts and due date reminders. * **Automatic recording of transactions.** * **Regulatory and legal compliance.** * Possibility of **collaboration with external professionals**. * Creation of professional **electronic invoices.** * Payment tracking and automatic reminders. * **Transaction history and sales records.** * **Inventory and product/service management.** * Integration with online payment methods or payment gateways. **Remember, technology is here to make your life easier.** The idea of being able to delegate to these tools is that it saves you time. It also allows you to focus on what really matters: growing your business.  Whether you're a dentist, an ecommerce business or a graphic designer, the key is to focus on your core business. So what it's all about here is that you find comfortable and easy-to-use solutions. That way you can gain quality of life in your day-to-day life. In the meantime, let technology work for you, that's the idea! As you've seen, there are **many finance, accounting, sales and marketing solutions to boost your business**. As a freelancer, you're probably concerned about staying competitive. Integrate some of these solutions, and don't get left behind. Remember what Archimedes said: 'Give me a fulcrum and I will move the world'. Your lever of change can be technology. Maybe you only need **one program at the moment, or combine several at the same time, such as Tecalis and [Workyard](https://www.workyard.com/)**.  Either way, you will certainly have to go through a period of adaptation at first. However, if you choose intuitive solutions, it should be for a short time. Once the trial phase is over, you'll notice that your results soar and that your day-to-day life is easier - that's the idea. --- ## Insurance industry: changes, companies and their markets **URL:** https://www.tecalis.com/blog/insurance-industry-sector-market-underwriter-insured-classification-companies **Descripción:** Insurance industry is a broad sector where companies and policyholders are constantly evolving. Find out more about the industry to grow it. The **insurance industry** is one of the most important economic activities within the so-called [BFSI](https://www.tecalis.com/blog/bfsi-banking-financial-services-insurance-sector-industry-companies-market-companies-what-is) (Banking, Financial Services and Insurance). It is currently facing a series of challenges derived from the changes that have taken place at a social and economic level in recent years. From the irruption of **new business models** that have turned the market upside down to important changes in the macroeconomy that have affected it. In this way, the insurance industry has driven **changes in different areas**. At the operational level, **digital solutions** derived from the emergence of [InsurTech are making it possible to transform complex use cases](https://www.tecalis.com/blog/insurtech-insuretech-what-is-ecosystem) into **practically automated activities**, and in the commercial area, new ways of dealing with **new clients** (with a **focus on anti-fraud and experience**) stand out. In this article we will review the current state of the industry, the **insurance companies**, the **challenges faced by underwriter and insured clients** and the role of new players that have emerged in the ecosystem. ## What is the insurance industry The insurance industry and sector is the **set of economic and social actors involved in the transmission of risks through policies and similar services**. Through contracts, underwriters and policyholders agree and commit themselves to transform risks into probabilities by transferring responsibilities. Through the collection of a premium from the policyholder, the insurance company (underwriter) obtains funds to be able to face an event with an estimated probability. In the event of damage to the insured client (it may be to the person, movable and immovable property, etc.) the underwriter must indemnify the beneficiary of the insurance policy as defined in the coverage with capital (identifying the loss), with an annuity or by providing a previously agreed service. This is **a basic and elementary definition of the insurance sector since today insurance companies and the insurance industry as a whole have evolved in such a way** that there are many types of products and services beyond traditional policies. In addition, **new figures and agents** have emerged. ## Insurance industry: players beyond the traditional companies and their current status In the future, we will see greater **collaboration between disruptive startups that have revolutionized the way policies are written, and banking and large insurance companies**. The former are taking advantage of the technologies that the latter decided to risk in the first instance and have given credit to the results obtained after their implementation. ### 1\. InsurTech The insurance industry has undergone a revolutionary metamorphosis thanks to the irruption of technology and innovation, giving rise to the flourishing of InsurTech. This phenomenon represents a **radical evolution in traditional business models**, ushering in an era where **agility, personalization and efficiency** are the cornerstones. One of the most impactful trends in InsurTech is the **ability to offer customized insurance to each customer**. This is made possible by **advanced product configurators** such as those found in solutions like [**Customer Hub**](https://www.tecalis.com/products/customer-hub-sales). Through massive data analysis and artificial intelligence, companies can **assess risks on an individualized basis**, enabling the creation of tailored policies. This not only meets customer expectations, but also optimizes risk management for underwriters. InsurTech embraces emerging technologies such as **artificial intelligence, machine learning, telemetry and blockchain** to revolutionize traditional processes. Artificial intelligence is used to **assess claims faster and more accurately**, while telemetry enables **real-time monitoring to adjust premiums based on policyholder behavior**. The blockchain, meanwhile, ensures transparency and security in transactions. A disruptive and outstanding example is that of **on-off insurance**: applicable to homes or vehicles in particular, premiums are only paid when the insured property or item is in use. A feasible and meaningful business model only possible thanks to innovation and new systems. ### RegTech The irruption of RegTech in insurance has marked a crucial change. These **technology partners** enable companies to **automate compliance** by implementing cloud systems in key processes. This transformation has minimized phishing attacks. **Comprehensive anti-fraud systems have achieved an impressive result**: not only reducing attacks, but achieving zero fraud, ensuring security with no noticeable inconvenience to the user and optimizing conversion in procurement processes. Additionally, studies indicate that users are willing to pay more for services that guarantee the protection of their data. Investment in RegTech technologies within the insurance industry emerges as an **effective response to address these concerns**. These market players accompany both traditional underwriters and banking and digital businesses in the insurance sector in processes such as **[digital onboarding](https://www.tecalis.com/blog/digital-onboarding), electronic contracting and the automation of due diligence processes in brokerages**. ### 3\. Digitization providers The rise of InsurTech has been driven by the creation of digital platforms that **simplify the interaction between underwriters and customers**. These platforms offer **intuitive and accessible user experiences**, as well as increasing conversion in online sales processes. The autonomy given to users through customer portals allows policyholders to **manage policies, file claims and receive advice virtually**. The customer experience thus becomes a key differentiator. Strategic alliances with specialized partners and integration with technological ecosystems allow underwriters to access innovations in a more agile and **fully scalable way**. This fosters the creation of **solutions that are more robust and adaptable** to changing market demands. Process automation has become a fundamental pillar in redefining business models in the insurance industry. From **policy issuance** to **claims management**, the implementation of automated processes not only improves operational efficiency, but also reduces costs, enabling underwriters to **offer more competitive premiums**. ## Customer experience, digital onboarding, identification and other trends in the insurance industry **[News in the insurance industry](https://www.tecalis.com/blog/insurance-news-statistics-numbers-market-report-industry-new-sector)** in recent years has focused on statistics and trends related to the **digitalization of processes, the regulatory framework and the fight against fraud**. Fortunately, on a positive note, as the innovations of the players we have previously described have allowed the insurance industry to grow and evolve, with great benefits for both policyholders and underwriters. ### Fraud, AML and Automated Regulatory Enforcement For years, the insurance industry has faced **severe sanctions due to non-compliance with regulations and standards** proposed by authorities in various markets, most notably the European Union, the United Kingdom and North America. **Identity and related fraud** has become a primary concern for insurance companies, capturing the attention of regulators. **Data privacy** policies, such as GDPR in Europe, are making headlines, with significant penalties for industry leaders. Another important aspect is the fight against **money laundering and terrorist financing (AML)**. Regulations such as **[AML6](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation)** have revealed that many insurance and brokerage companies were not carrying out the **relevant due diligence and [KYC (Know Your Customer)](https://www.tecalis.com/products/identity-verification) checks**. ### 2\. Marketing in more complex segments The establishment of **extensive commercial networks** is essential for **underwriters and brokerages adapted to the competitiveness of the insurance industry**. Efficient management of these networks, both proprietary and alternative, has become crucial to success. Commercial Hubs enable **capillary management**, providing commercial teams with tools to work efficiently and focus on high-value tasks, avoiding bureaucracy. These systems include **rate configurators, commission models and contracting systems, facilitating commercial work at the point of sale**. The ability to obtain statistics in real time has enabled insurance companies to adapt nimbly to a constantly changing market. **Diversification in InsurTech** is manifested in the creation of **specific solutions for different market segments**. From specialized insurance for frequent travelers to coverage tailored to the needs of small and medium-sized companies, customization extends to various niches, catering more precisely to individual demands. **It is crucial to have the necessary sales tools to reach these segments effectively**. ### 3\. Customer experience and simple contracting **Optimizing operating expenses** is essential for insurance companies. The adoption of digital tools and technologies such as **RPA**, artificial intelligence and machine learning has led to significant cost reductions in day-to-day processes. **Instant insurance activations**, such as those offered by systems like Sign + KYC Identity, have transformed the industry. The integration of KYC solutions in Customer Hub allows a **mixed approach**, adapting to different markets. In the past, underwriters relied on consultancies for transformation projects, facing challenges such as high costs, IT team lock-in and development delays. Now, cloud-based SaaS and PaaS solutions, backed by AI and ML, offer an affordable and agile alternative, transforming insurance companies' operations significantly. ## How insurance is classified: types and new verticals On the other hand, we see a classification of insurance **according to the type of contract in formal (contractual) matters and on what aspect the risk is assumed**. These are combinable and focus the way in which underwriters and brokers (mediators) work in the insurance market. Therefore, we can make another **categorization of companies when classifying insurance by type of contract**: * **Traditional policies**: A standard insurance contract between an underwriter and an insured. * **Coinsurance**: Similar to a normal policy but with several underwriters independent of each other. * **Reinsurance**: Method in which the underwriter cedes risk to reduce possible losses. * **Deductible or franchise insurance**: A traditional insurance policy where the insured participates in the loss caused by a loss. * **Renting**: Although not considered insurance as such, these leasing contracts consist of an agreement where one party assumes the risk of buying and maintaining, for example, a fleet of vehicles and the individual who rents it pays for it. Many insurance companies have chosen to work with this business. Finally, we come to the most relevant classification, **based on the purpose of the insurance coverage and service provided by the companies**: * **Property, damage or patrimonial** insurance (home, vehicles, boats, objects, theft, credit, multi-risk, engineering, civil liability, business and patrimony, goods, employees...). * **Accident** insurance * **Personal, group** (e.g. homeowner's associations) or **commercial** insurance * **Health, dependency and sickness** insurance * **Life and death** insurance * **Service** insurance **(travel, legal defense, death insurance...)** * **Veterinary** insurance * **Corporate** insurance * **Protection** (payment protection, unemployment, rent, etc.) * **Pension** plans * **Savings / investment** plans In our article on [**insurance contracts and their law**](https://www.tecalis.com/blog/insurance-contract-law-characteristics-contracting) we analyzed the formal types of insurance. According to this other classification, we would highlight **surety, credit, agricultural and compulsory insurance**, for example. In short, the insurance industry is **undergoing a transformation driven by innovation, InsurTech and new types of insurance**. The ability to offer personalized insurance backed by technologies such as artificial intelligence has enabled underwriters to **adapt to changing customer expectations.** The convergence of InsurTech, RegTech and digitalization is shaping an exciting future for the insurance industry, where innovation will continue to play a key role in creating **more efficient, personalized and customer-centric solutions.** --- ## Insurance news: statistics and trends **URL:** https://www.tecalis.com/blog/insurance-news-statistics-numbers-market-report-industry-new-sector **Descripción:** The most relevant insurance news accompanied by insurance statistics make us foresee the key industry trends. Find out more! We can find news about insurance in all the media practically every day. This sector is **one of the most relevant in today's economy** and therefore the news and current affairs of the insurance industry are on everyone's lips. However, we must **identify those relevant events and novelties that are truly transforming** the insurance area and that should not be missed by those who aspire to surpass objectives for the new year.  **Here you will find a summary of the most relevant news, statistics and trends that you should keep track of**. A compilation of all the topics that have made the most disruptive InsurTech companies grow and triggered the closing rates of operations in multinational insurers. ## What is hot news in the insurance industry The **[insurance industry is undergoing a shift](https://www.tecalis.com/blog/insurance-industry-sector-market-underwriter-insured-classification-companies)**  towards the creation of integrated ecosystems. The **Open Banking proposed by PSD3** is not going to leave aside an industry whose financial system needs and can **take advantage of its full potential. According to experts from firms such as Fitch**, this year will be a decisive one for most large insurers and one of great opportunities for fast-growing ones. **Insurance news will focus on three main areas: technology**, changing **consumer** demands and changes made by **regulators** (both at regional and international level). These three blocks will be those that make the most structural changes, both directly and indirectly, in the insurance market and its current affairs. Some **news on premium hikes** is expected given the accelerated risk due to global uncertainty, although these initiatives will be accompanied by actions to contain spending. **We will see reinvestments and a high sensitivity to risk management.** ## **Relevant insurance statistics and reports** **The development of the insurance business will be positive** despite major international **conflicts**. In traditionally stable countries and regions, the insurance industry **is expected to grow.** **By 2040 we will see the number of non-life premiums double**, which does not mean that we will see a decrease in nature and health risks, but quite the opposite. However, this very distant horizon makes us glimpse **new reports on verticals that we may not yet know about** (as happened in the predictions made in the 1990s for the period 2000 - 2015). The [**insurance industry has been collecting data**](https://www.tecalis.com/industries/insurance) as do the rest of the BFSI (Banking, Financial Services) and telcos on the most relevant consumer concerns and habits. Increasingly, **thanks to big data and machine learning, better predictions and relevant statistics can be made**. The ability of insurers to collect and analyze large amounts of data will enable even more precise policy customization, **anticipating the changing needs of policyholders and improving risk management efficiency**. This data-driven approach will not only drive growth in the insurance market, but will also facilitate greater transparency and trust between insurers and consumers. ## Insurance news: key trends to follow ### 1\. New regulations: attention insurance companies and brokerage firms Although the **Insurance Contract Law** has not changed in recent years in most countries in relevant markets such as Europe, the United Kingdom and America (North and LATAM), **changes are expected in regulations that fully affect the insurance area**. This will apply especially to **payments, customer due diligence processes** and **anti-fraud controls framed in the regulations for the prevention of money laundering** and terrorist financing. In this regard, we will see insurance news about the **[alliance between insurers and RegTech](https://www.tecalis.com/blog/regtech-compliance-regulation-technology)**. **Automated compliance with the requirements of demanding new regulations will be possible thanks to their tools**, which also integrate easily with the systems of both InsurTechs and traditional banking and insurance companies. ### 2\. Digital experience: the bet of insurance companies While InsurTechs were the pioneers in taking care of their **customer-related processes**, large insurance companies are not going to be left behind. We will see developments in how processes that generate friction are addressed, especially in relation to the **[electronic signature of insurance contracts and electronic notifications](https://www.tecalis.com/products/electronic-signature)**  (certified communication of cancellation notices, expiration, etc. through new communication channels that are faster and just as secure). Many insurers are teaming up with digital transformation partners that make these processes simpler and more agile while being secure and accessible to less digitized users. [**Digital onboarding**](https://www.tecalis.com/blog/digital-onboarding) is in line with the previous point. Know Your Customer processes in insurance are defined by the new updates in the regulatory framework, in addition to the **recommendations of the regulators of each market. Instant registration and same-day activation and deactivation of insurance policies** will make the front pages of many media outlets. ### 3\. The best Insurtech technologies, now within everyone's reach The **validation of sensitive documentation that must be submitted before a new customer is enrolled will be fully automated**. Thanks to **Artificial Intelligence** and **second-generation OCR** technologies, insurers will see a reduction in the costs of this type of operation and customers will find it easier to obtain the products they want without bureaucratic hurdles. Now, **new use cases** will be enabled, contributing to news about **leading insurers that we already know and their diversification processes**. This will generate synergies with other players in the sector, making collaborations as disparate as streaming services and banking or utilities a reality. Customer preferences are undergoing a shift towards end-to-end digitization. **Comprehensive online support** has become a key expectation, and insurers that succeed in offering intuitive user platforms and efficient online services will be leaders in customer retention and acquisition. These expectations reinforce the **importance of continued investment in improving the user experience** and adopting technologies that simplify processes to meet growing consumer demands. The term **Know Your Business (KYB)** will appear in insurance news and statistics associated with **insurance for companies and self-employed professionals**. Operations such as the power of attorney, in order to **configure and [sign a corporate insurance contract](https://www.tecalis.com/blog/insurance-contract-law-characteristics-contracting)**, will be done automatically and intelligently, consulting public databases to obtain the signature of all those involved quickly, digitally, simply and securely. ### 4\. New developments in insurance marketing and business models **Brokerages and other** **insurance sales channels** are going to bet on new market presence formats. We were used to seeing teleoperator pop-ups in shopping malls, but now **we will see news of insurance companies reaching very specific market segments**. With solutions such as **[Customer Hub](https://www.tecalis.com/products/customer-hub-sales), any commercial agent will be able to configure and market insurance in niche markets adapted to the new reality**. We will witness sales forces in mobility and voice recognition for call centers that will allow **high-risk operations to be carried out with total security.** Leasing is emerging as one of the points to be taken into account for new investments by insurers and large groups. In real time, mobility insurance contracts can be signed and activated in just a few simple steps. ## Relevant insurance reports, figures and statistics for the new fiscal year ### 1\. Figures on insured customer interaction **Usage-based insurance** will grow to around $70 billion by 2026 in the US alone. According to **MarketsandMarkets**, multi-purpose platforms will enable this only if they are accompanied by RegTech players. **This implies the need for product configurators and identity and location verification systems that can confirm such usage.** Currently, the client is requesting reports on vehicle insurance. It is the insurance for which commercial agents are asked the most, followed by death, home and life. **It is in the first and third categories (auto and life) where we will see better insurance statistics that talk about on-the-go on-off products.** With regard to marketing, according to UNESPA, most insurance policies (33.5%) are marketed in bank offices, followed by agents (27.5%), brokers (17.3) and the offices of large insurance companies (17.2). In terms of customer interaction figures, the trend towards usage-based insurance represents a **significant opportunity for product innovation**. Insurers are expected to increasingly partner with technology companies to implement RegTech solutions that enable **real-time assessment of policyholder behavior**. This will not only drive the adoption of more personalized insurance, but will also set a new standard for **operational efficiency in the industry.** ### 2\. Embedded insurance: Exponential growth The statistics of embedded insurance will give much to talk about. According to recent reports from the insurance sector of the Chubb company, this vertical reached USD 3 billion at the end of 2020 and according to **PWC** will have figures exceeding **700,000 million after 2030. Brokers will have a relevant role in the construction of these and will have adequate digital tools to achieve it.** This is linked to the speed at which marketing is required. According to **Forbes**, one multinational insurance company (which it cannot name) analyzed data and was **losing more than $300,000 just because it did not have specialized marketing and customer enrollment technology tools.** In relation to the growth of embedded insurance, it is essential to **highlight the central role that blockchain technologies will play**. These technologies will provide a secure and transparent basis for real-time **contract and claims management**. The implementation of blockchain-based **smart contracts** will enable greater automation and trust in **transactions**, paving the way for more efficient and secure embedded insurance. ### 3\. Volume and payment reports **Inflation costs** will continue to dominate headlines and insurance reports. Personal **injury costs in the injury schedule will increase in the range of 9%**. In this sense, the proper expertise must be done with digital tools that facilitate a proper data audit and a **correct verification of medical documentation through OCR 2nd Gen**. On the labor front, it is estimated that **only 17% of workers have a company social security system**. This is a very underdeveloped pillar where collective insurance and occupational pension plans are weak. ### 4\. Preferences and estimates: insurance statistics Results from PWC surveys of more than 6,000 insurance customers showed that **45% of respondents expected to get comprehensive online support from their insurer and 88% would switch to another insurance company if the new one had a better user platform**. Finally, insurance reports by the **MacKinsey** consulting firm on the experiences of treatment, attention and preferences of policyholders indicate that the client is more willing to use a multiaccess in global multiservice platforms. Hence the **need for better management platforms focused on the end user.** In addition to the aforementioned trends, it is essential to highlight the growing importance of **cybersecurity** in the insurance sector. With accelerated digitization, cyber threats have become a crucial concern for insurers and their customers. Industry news is expected to highlight **proactive initiatives by companies to strengthen their security measures, adopting advanced cybersecurity technologies and collaborating closely with experts in the field**. Tighter regulations in this area could also drive the adoption of more rigorous cybersecurity practices both in traditional insurance companies and [InsurTechs](https://www.tecalis.com/blog/insurtech-insuretech-what-is-ecosystem). --- ## Insurance contract: law, characteristics and sign digitally **URL:** https://www.tecalis.com/blog/insurance-contract-law-characteristics-contracting **Descripción:** The Insurance Contract Law establishes a number of formal characteristics that must be included. Insurance contracts can now be signed electronically. The insurance contract is the most important document within the insurance activity. It **includes all the aspects to be detailed** between the insured and the insurer as well as the conditions of the agreement and the specifications of the subject to be insured and the events subject to indemnification. Despite being a well-known document, there are many questions about the insurance contract, especially regarding the policy, the types and their characteristics according to the marketing model. This time we will take a formal review and analysis of insurance contracts, their features and **look at how the new forms of digital contracting being used by the fastest growing insurance companies** have boosted trust and customer experience in the industry. ## What is an insurance contract An **insurance contract is a document signed by two or more parties in which they agree to indemnification through a capital payment, a service or an annuity when an event** specified in this same contract occurs. For this to happen, the policyholder must pay a premium to the other party. The insurance contract law defines which risks may be covered, prohibiting some and insuring others. Although we have spoken of two main parties, the policyholder, the insured and the beneficiary need not be the same person. There are slight **differences between the insurance contract and the insurance policy**: although in **many circumstances they are used as synonyms**, the fact is that the **[insurance policy](https://www.tecalis.com/blog/insurance-policy-what-is-number-example) is the specification of conditions** with rules of rights and obligations while the **contract is the contractual document** (generally commercial) where the legal justification committed by the insurer and the insured is framed. In other words, insurance contracts are consensual and the rights and obligations apply to both policyholders and insurers. The policy can be set up after the contract has been drawn up either as an annex or as an individual contract (albeit linked), including the conditions and data. ### Elements and characteristics **An insurance contract consists of several key elements, features and sections.** It is important to understand that not all insurance contracts need to be the same, although they must include a series of minimum elements to be considered as such (generally regulated in the insurance contract law). The **intervening parties** are the subjects that we can find in a contractual relationship. Namely: * **Insurer**: Usually a legal entity that assumes the risks of a third party in exchange for a premium (payment-quota). * **Insured**: The owner of the object to be insured. That is to say, when the event defined as risk occurs, it is the party that will be most affected by it. * **Policyholder**: This refers to the person who takes out the insurance. He/she has the obligation to pay the premium. It does not have to coincide with the insured. * **Beneficiary**: The party who will collect the indemnity from the insurer. In some cases it is different from the two previous ones. In the most relevant [**insurance news**](https://www.tecalis.com/blog/insurance-news-statistics-numbers-market-report-industry-new-sector), we usually find facts about these parties to the contracts. Cases of disputes and identity fraud. Therefore, it is important to understand **the role of trusted third parties in insurance contracts**. These RegTech partners assist in **legal support by validating the identification data of the parties we have just named and ensuring compliance with insurance contract law through KYC**, KYB, proxy **checks** and other systems that enable compliance with associated regulations such as **AML6**. On the other hand, we find the **basic (real) elements** in the insurance contract. If they are not present, the contract will not be considered as insurance (or directly invalid). They would be: * **Premium**: The price of insurance (also referred to as consideration) statistically calculates the probability of risk to take shape. * **Risk**: An uncertain event (or set of events) that may occur and expose the insured. It must always be random and fortuitous, possible (with probabilities of occurrence, even if minimal), be concretely defined and entail economic consequences. * **Interest**: What is threatened by the risk and the economic value of that property. This should include the appraisal and other relevant elements. * **Indemnity as an obligation**: A specific clause must be included whereby the policyholder is obliged to pay the premium and the insurer is obliged to indemnify if a loss occurs. Other formal blocks included in an insurance contract are elementary aspects such as **data for the correct identification of the parties** (name, surname, company name, address, CIF, identity documents, etc.), **reports on the nature of the risks, the policy** (explaining clearly and unequivocally the coverages, limitations...), **reports on the nature of the risks**, **the insurance** **policy** (explaining clearly and unequivocally the coverages, limitations...), **expert's** reports, information on **surcharges** and **taxes** associated with the insurance, **form of payment of** the premium and indemnity, **duration**, expiration dates, **information on the** **intermediary/brokerage firm** in case the latter is the writer of the insurance contract, etc. ### Examples of insurance contracts As we have already seen in our detailed article on the [**insurance industry**](https://www.tecalis.com/blog/insurance-industry-sector-market-underwriter-insured-classification-companies), there are many types of insurance depending on the object (and purpose). They are classified in many ways and the **law on insurance contracts divides them into those against damages and personal insurance.** We will divide them following this classification and expand to show many examples and types of insurance. Here are a few examples of insurance contracts: * **Insurance against damages**, whose purpose is to directly indemnify a loss suffered by returning the economic value by way of replacement. This category includes **legal defense, land transportation, fire, theft, loss of profits** (loss of economic performance), **surety** (debtor default), **credit** and **civil liability**. * **Personal insurance**, regulated in the third article of the Insurance Contract Law. This includes **life, accident, health, dependency and death** insurance (many of these are considered to be **services insurance** as they are classified differently). * **Mandatory insurances**, being those that must be held by law if a legal or physical person performs any action or has any condition. For example, here we find those of dangerous dogs, **vehicles, sports** (hunting, diving, skiing), **property damage** and other types of surety associated with an action or **civil liability according to the laws of some areas.** * **Other unusual insurances**, taking into account that they are exceptions in a market where the previous ones are the most **common**. Here we can highlight those that are new and possible thanks to new technologies, such as on-off insurance **(pay-as-you-go)**, one-day insurance, **real estate title insurance, sweepstakes** insurance and human **body parts** (legs for soccer players, nose for models...). Some insurance classifications also include **veterinarians**. ## **Insurance Contract Law** The insurance contract law is the **regulatory framework that regulates all formal, contractual and policy aspects in a country or region**. The insurance activity is one of the most important in the economy and the main pillar of many entities, not only insurance companies as core but also in traditional banking, so its regulation is specific and broad. In **Europe**, insurance regulation varies from country to country, but in general, the **European Union** (EU) has established a **common legal framework** to ensure the stability and protection of the insurance market. The **EU Insurance Directive**, together with specific regulations such as **Solvency II**, establishes requirements for prudential supervision, insurer solvency and policyholder protection. In **countries such as Spain**, it is **Law 50/1980 on Insurance Contracts (LCS)** that establishes the entire legal system surrounding the contract. Likewise, and in all countries, it is very important to know the jurisprudence together with the insurance contract law, since many supreme courts have established that certain clauses are harmful, abusive and null and void, as well as other limiting clauses as valid. Regarding **Latin America**, in **Argentina** we find **Insurance Law** No. 17,418, although it is necessary to review all the documentation about resolutions of the Superintendence of Insurance of the Nation. **Ecuador** is a similar example to Argentina, with a Codification of the **General Insurance Law** which stipulates that the Superintendence of Companies, Securities and Insurance is the one that defines the standards of insurance contracts with specification of clauses. **Colombia**, for its part, uses Title V of the **Commercial Code** to establish the bases and Chile does the same but in its case in Book II of its homologous law, as does **Bolivia** in its Article 1013. These are examples where there is no specific regulation on an insurance contract law but the framework is in the legal system of the market through its general Commercial Codes. In the **United States**, insurance regulation is primarily the responsibility of the states. **Each state has its own insurance department that oversees and regulates the insurance industry within its borders**. At the federal level, the **Insurance Modernization Act of 1999** (Gramm-Leach-Bliley Act) also has a significant impact on the regulation and privacy of financial information. Other relevant countries also have their own **specific regulations**. For example, in **Canada**, insurance regulation is carried out by individual provinces and territories, while in **Australia**, the Prudential Regulation Authority oversees the insurance industry. The Insurance Contracts Act requires the inclusion of the data, concept, nature, designation, amounts or scope of coverage and maturities in the policy. Generally, the first articles of the insurance contract law summarize all the basics and contain the key elements. Fortunately, [RegTech](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) players are actively helping insurers comply with regulations such as **insurance contract law and data protection regulations** in many countries. In many instances, they provide digital solutions that automate regulatory compliance in contract drafting, signing or any other associated process. ## How to buy insurance: improving the customer experience As we have seen, [**InsurTech** has redefined the insurance ecosystem](https://www.tecalis.com/blog/insurtech-insuretech-what-is-ecosystem). No longer just in business models, but also in how processes are performed. In today's digital era, **Qualified Trust Service Provider (QTSP)** solutions are playing a **key role in the evolution and efficiency of the insurance industry**. In particular, tools such as **digital onboarding, KYC (Know Your Customer), e-signature and e-notifications** are revolutionizing the way insurance companies manage their processes, **from customer acquisition to contract management**. In the following, we will explore how these solutions are intervening in the insurance industry and significantly improving the experience for both insurers and policyholders: **Digital onboarding** has radically simplified the customer onboarding process in the insurance industry, automating **AML checks and making identity documentation collection fast and validated**. By digitizing information collection and **identity verification**, insurers can streamline decision making and offer customers a **faster and more convenient discharge experience**. This not only reduces friction at the beginning of the customer relationship, but also **ensures the accuracy and validity of the information collected in the insurance contract**. On the other hand, it should be noted that the insurance contracting process does not usually begin directly with the signing of the contract. As a general rule, **before signing the contract, the insurance company, broker or agent provides an informative document with general information about the contract and the policy**. In this use case it is very important to **safeguard the delivery of this document, so eIDAS electronic certification solutions are usually chosen to generate traceability and evidence** of this operation, backing up the process. Other use cases of certified notifications in relation to insurance contracts are: * **Renewals, updates and modifications**: Insurers may use certified notices to inform policyholders of policy renewals, as well as any changes in terms and conditions. When there are changes in coverage or policy conditions, certified notices ensure that policyholders are properly informed and that there is a **legal record of the communication.** * **Claim receipt confirmation and status notifications**: When an insured files a claim in relation to the insurance contract, the insurer can send a certified notice to confirm receipt of the claim, providing a clear record of the start of the process. Status updates, such as **approvals, payments and settlements**, can be communicated through certified notices, providing transparency and complying with the regulatory requirements of the insurance contract law. * **Reminders of payments, cancellations and maturities**: Insurers use electronic notifications to send reminders of outstanding payments, ensuring they are aware of **due dates** and avoiding potential **interruptions in coverage**. In the event of non-payment, the certified notice can be used to inform policyholders of the cancellation of the policy, complying with legal requirements and providing evidence of notification. ### **The insurance contract, reaching new markets** Insurance contracting has undergone a remarkable transformation by expanding into **disruptive points of sale**, such as **shopping malls and agents located anywhere**, thanks to [innovative tools such as **Customer Hub**.](https://www.tecalis.com/products/customer-hub-sales)  This comprehensive software **gives insurance agents the ability to enroll insurance anytime, anywhere**, eliminating geographic limitations and enabling adaptation to unconventional environments without sacrificing security or insurance law compliance. The flexibility of Customer Hub provides agents with the **tools necessary to deliver personalized services to customers in real time, taking advantage of mobility and immediacy**.  This new way of contracting not only drives **accessibility for consumers**, but also redefines the customer experience by **seamlessly integrating technology into non-traditional points of sale to activate insurance on the spot**, opening up new possibilities and accelerating the insurance industry's expansion into innovative spaces. ## Electronic signature for insurance contracts Electronic signatures have drastically simplified the process of formalizing insurance contracts. By allowing policyholders to sign documents digitally and securely, it **eliminates the need for manual paperwork and speeds up processing times**. This method not only improves **operational efficiency and reduces costs for both insurers and brokers**, but also contributes to more sustainable practices by reducing the use of paper. The insurance contract can be in word or pdf and now there are **[electronic signature solutions such as Tecalis Sign](https://www.tecalis.com/products/electronic-signature) that include GPT technology for the drafting of insurance** contracts. In addition, the different industry players can choose how to work with this tool: through their own systems (with API integration) or with a web platform that is totally simple and easy for the less digitized to keep track of all insurance contracts made, sent and signed, as well as notifications and communications certified through any physical or digital channel. Finally, online **insurance contracting** has become a reality thanks to digital onboarding and electronic signatures. Customers can complete the onboarding process from the comfort of their devices, avoiding cumbersome procedures and long waiting times. The same is true for **call-center agents**, who can send contracts in digital format for signature via phone call. **The necessary information is collected efficiently, and documents are digitally signed in compliance with insurance contract law**, enabling a streamlined and secure contracting experience. This approach aligns with the modern expectations of consumers seeking simplicity in their dealings. The full integration of these technologies in insurance contracting is not only the next logical step, but is already a reality in most insurance companies. **The key differentiator is to have a powerful, secure, affordable and affordable tool focused on the insured's signature**. Artificial intelligence and automation will continue to play a crucial role, anticipating customer needs and further simplifying processes. The combination of the efficiency of digital onboarding, the security of KYC, the agility of e-signatures and the immediacy of electronic notifications positions insurance underwriting as a fast, secure process adapted to the demands of the digital world. --- ## Insurance policy: how to contract with electronic signature **URL:** https://www.tecalis.com/blog/insurance-policy-what-is-number-example **Descripción:** The insurance policy is the most important part in an insurance contract, including conditions, rights, obligations and main clauses, as required by law. The insurance sector is undoubtedly one of the most relevant industries today and the insurance policy is the central element of its activity. **Without this document, it would not be possible to sign the contracts** that give users peace of mind about their homes, businesses, vehicles and even their care and health. The details of an insurance policy will define everything: coverages, price, conditions, dates... On the other hand, **all policy elements must be well verified with anti-fraud controls by law**, especially those that allow the policyholder, insured, insurer and beneficiary **to be reliably identified**. We will **review the parts of an insurance policy**, its types and how they are now **electronically linked to the contracts made by insurers, brokers and agents** to obtain full legal support and have all the **documentation digitized**. ## What is an insurance policy An **insurance policy is a document defining the conditions** under which an insurer assumes the risk of an insured. It specifies the **general, particular or special rules that will govern the insurance contract**. If this document is not executed, the contractual relationship is non-existent and must be accepted by all parties and binding upon signature. The most relevant part of the **[insurance contract](https://www.tecalis.com/blog/insurance-contract-law-characteristics-contracting)** is the policy, as we could analyze in the complete article on all the formal details of the contract. In it, data such as the **insurable interest, the insurable risk, the premium and the obligations** are indicated. They are the basic principles of the purpose of the insurance, specifying the object, exclusions, forms of settlement, etc. It certifies the validity of the contract and **its form generally corresponds to the type of insurance to be contracted**. Both the policy and the premium payments act as a legally valid proof for the execution of the benefits and obligations under the insurance contract. **This must be done in accordance with contract signature standards such as those set forth in the eIDAS electronic signature regulations.** In addition, **AML anti-fraud checks and a [customer due diligence](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) process must be performed prior to policy issuance** to comply with insurance contract law and standards such as AML6. ### Elements and parts of a policy Insurance policies **must include a series of minimum** and truthful **information** to be considered as such. The **general and particular conditions** attach elements in relation to the risk in an individualized manner (it cannot be done in a generic manner, as specified by law) and this information must be correct and verified: * Full name, surname or company name and address of the **legal or natural persons involved in the insurance policy**. Specification of the policyholder, beneficiary, insured and company, with the types of products offered. * The **concept** of the insurance and its link to the contract, with all the detailed particulars and with a breakdown by element. * **Purpose of the insurance**, both for individuals (e.g. life, accident, etc.) and for tangible property (vehicles, real estate, assets, etc.). * **Specifications on types of risks** and their nature that are covered in the insurance policy. Those that are not included will not be compensated in the indemnity if the event occurs. * **Warranties, exclusions and limitations.** * Payments to be paid as **premium** by the insured. * **Effective times** and insurance **expiration** conditions. Electronic time stamps are often inserted when these processes occur. * **The total amount** broken down by insured, the form of payment and how the indemnity will be paid for each risk. * **Service provision** models in the case of an insurance contract of this type. * Information about the **mediator** (brokerage companies, etc.) if any. * Sections and **annexes on applicable legislation**, data protection, etc. On the other hand, there are **special conditions**, which qualify what has already been defined by adding **rules and clauses associated with the specific type of insurance**. Here it is defined whether the insurance is franchised or not, the limitations, conditions related to the exclusive nature of a less common risk, etc. ## Types of insurance policies and examples As we have seen previously and in other articles, **there are as many types of policies as the nature of the risk to be insured**. And thanks to the new use cases enabled by RegTech technologies, we find more and more. We are going to summarize it in the 20 types of policies most used by the industry and the most relevant concepts: 1. **Combined or multi-peril policy**: Provides coverage for different risks related to each other. Also known as umbrella policy. 2. **Base policy**: Initial document in a group or floater policy, to which specific applications are added at a later date. 3. **Open or floating policy**: This insurance contract provides flexibility to the insured by allowing for adjustments according to circumstances. 4. **All-risk policy**: Guarantees jointly and simultaneously all risks that may affect the insured object, as in automobile insurance. 5. **Collective, group or accumulative policy**: Covers several insured persons simultaneously, as opposed to the individual policy. 6. **Individual policy**: Covers a single insured person, as opposed to a group policy. 7. **Worldwide-coverage policy**: Extends its effects to all countries. 8. **Loss-making policy**: It experiences claims whose amounts exceed the premiums collected. 9. **Policy in suspension of guarantees**: Temporarily becomes void due to specific circumstances, such as non-payment of a bill. 10. **Estimated policy**: Refers to insurance at estimated value. 11. **Released or settled policy**: Exonerates the insured from the payment of premiums under certain conditions. 12. **Master policy**: Single contract issued to an employer, with individual certificates for the members of the group. 13. **In quo vis policy**: In marine transportation insurance, it does not designate a specific vessel. 14. **Policy in force**: Indicates that an insurance contract is active, as opposed to a canceled policy. 15. **Policy replaced**: It is canceled by the issuance of a new one but remains as a historical record with the client. 16. **Policy reinstated**: It recovers its validity after a period of suspension. 17. **Renewed policy**: Non-renewable, issued at the expiration of a temporary policy. 18. **Single policy**: To distinguish it from the combined policy, it covers a single specific guarantee. 19. **Temporary policy**: Its coverage is limited to a pre-established period of time, generally less than two years. When it is an insurance policy subscribed for less than 11 months, extending the period of an existing policy, it is known as a stub policy. 20. **Bearer policy**: Insures the person who legitimately owns it. These, however, have fallen completely into disuse; previously, those that did identify as opposed to these were known as "nominative policy". This formal classification of insurance policies allows **[insurance professionals](https://www.tecalis.com/blog/insurance-industry-sector-market-underwriter-insured-classification-companies) to organize and understand them**, ensuring a successful work according to the needs of each insurance and client. In the **insurance agent portals**, they have a list of active policies (in force), renewed, suspended, etc. and **can, at a glance and with total security, make all kinds of arrangements thanks to these professional software.** ## Insurance policy number: a frequently asked question in the industry Among the frequently asked questions about policies, we find that some users (both professionals and clients) sometimes find it **difficult to easily locate the number of their managed insurance policy or policies.** Thanks to the development of **digital tools for the insurance sector**, driven by the emergence of InsurTech a few decades ago, **we now have systems and customer areas** that allow access to data stored in the insurance company.  To find out the number of your insurance policy, **you must log into the platform and consult the contract or any premium payment statement**. For professionals, they can enter the customer's ID number in their **[agent and branch front office](https://www.tecalis.com/products/customer-hub-sales/commercial-activation-front-end-clients)** or use many other methods provided by their Customer Hub. ## Electronic signature: minute-lasting digital insurance policies  The introduction of electronic signatures in the insurance industry has marked a significant milestone in the **speed and efficiency of insurance policy issuance**. Electronic signatures allow **policies** to be **created quickly and securely**, eliminating the need for manual processes and paper. This method, **backed by the eIDAS** electronic signature **regulation**, offers a legally valid alternative to the traditional signature, guaranteeing the authenticity and integrity of documents in a way that is greater than a paper signature. The benefits of using electronic signatures in the issuance of policies are manifold. First, it streamlines the process, **allowing policyholders to obtain coverage in a matter of minutes, rather than days**. In addition, it **improves the customer experience** by eliminating the need for face-to-face paperwork and tedious paperwork. The electronic signature also provides strong legal backing, as it meets the security and authentication standards required by insurance contract law. **Automatic document generation with IA GPT** is now possible thanks to disruptive **[electronic signature tools](https://www.tecalis.com/products/electronic-signature)**. By entering all relevant data, you can ask the wizard to organize and draft most of the contract and policy. This has **enabled industry professionals to be more efficient and correct errors.** An important aspect is the collection of documentation. In due diligence processes, processing time is extended by weeks for the **verification of these documents such as payroll, tax receipts, identity documents, property records, etc.** Thanks to second generation RegTech technologies, these documents can be **validated and collected by a QTSP** (Qualified Trust Service Provider) **in minutes and in an automated way** from any device without the mandatory need of a professional scanner and validating staff. **With assured notarial support, electronic signature technologies include dozens of functionalities to solve all kinds of use cases related to insurance policies.** Electronic signature technology integrates seamlessly into existing systems of insurers, brokers and agents, facilitating a smooth transition to a more digital and advanced environment. By adopting this solution, the insurance industry optimizes its processes, reduces operational costs and aligns with growing user expectations in terms of **security, simplicity and speed.** ## Notifications and electronic contracting in insurance contracts **Electronic notification and [certified communications](https://www.tecalis.com/es/productos/comunicacion-certificada)** have revolutionized the way insurance contracts are managed and signed, as well as **facilitating a key record of all notices and notifications through physical and digital channels**, which is crucial in the industry. These advances enable **high speed policy issuance, as identity verification and information gathering** are automated and digital. Users appreciate this and are more willing to sign up. For less digitized users, there are still dozens of advantages of electronic underwriting. Even if an agent assists with the entire underwriting process and performs the formalities from his Customer Hub, **he can now activate insurance instantly in compliance with regulations thanks to these systems**. **KYC (Know Your Customer) onboarding** streamlines the process by electronically and securely collecting the necessary customer information, ensuring compliance with legal and regulatory requirements. Data is extracted from documents rather than the agent or customer typing everything in. This, combined with electronic notification and certified communication, ensures **secure and documented communication between all parties involved in the insurance contract.** And most importantly, in accordance with **the regulations in force in each market and country**, as these technologies are adapted depending on where they are being used. E-contracting allows policies to take effect instantly once the process is completed, **providing policyholders with immediate coverage**. This approach not only **simplifies administration, but also improves customer satisfaction** by providing a seamless experience. In short, the combination of signature, notifications and e-contracting is transforming the insurance industry, making it more agile, efficient and aligned with user expectations. These solutions not only offer **operational benefits**, but also **significantly improve the customer experience in insurance contracting and enable the emergence of new business models and verticals as we have seen in the most recent [insurance news](https://www.tecalis.com/blog/insurance-news-statistics-numbers-market-report-industry-new-sector).** --- ## Customer portal: what is it and how does it work? **URL:** https://www.tecalis.com/blog/customer-portal-self-service-activation-what-is-user-client-create **Descripción:** A customer portal is an ecosystem that provides frictionless self-service and enables customers to activate products and services on their own. Customer portals were one of the great revolutions in customer-business relations. **Doubts, queries, formalities, incidents, changes...** These virtual spaces allow users to carry out **all kinds of operations without having to physically go to a point of sale in person or make a phone call**. Both to **provide the customer with greater autonomy and to reduce costs and streamline after-sales processes**, a well-built customer portal will bring great benefits to both parties. As we have been saying, this is nothing new. However, **many of these systems need updating and we have seen little innovation** in this area for almost a decade.  In this article we will take a **look at customer portals and self-service portals**, try to understand their **current status**, but especially address the **developments** that have occurred and how they have impacted certain industries, enabling **new use cases** and boosting **cross-selling** or giving a twist **to customer-business relationships**. ## What is a customer portal? A customer portal is a **digital space** accessed by **users** where they can **consult all kinds of information about your products, services or account**. In addition to information, in some cases **different types of management** can be carried out **depending on the level of self-service achieved by the customer portal**. This last aspect will be discussed in the next section. Through an **access point** (login portal), and with **secure credentials provided after a [customer onboarding](https://www.tecalis.com/blog/customer-onboarding-what-is) process**, the platform is accessed. This space can be available in **different digital media (web or app)** that are accessible through different electronic devices with **internet access (computer, mobile or tablet).**  Today, the **customer is proactive**, establishing an **on-demand model** where an empowered and informed user wants **answers to their issues**. Most commonly, they first try to resolve an issue through the customer portal and then end up contacting **support agents only as a last resort** when this portal has proven to be incomplete. The **demand for immediacy** clashes with options such as waiting to be attended by an operator on the phone or getting the answer to a support ticket via e-mail. Moreover, recent studies have shown that many users prefer to do these tasks or queries autonomously, so that they can check the results for themselves and invest as much time as they wish in the task. ## What is a customer self-service portal? A self-service portal is a customer portal that **offers options where the user can autonomously perform key operations and transactions** on the relationship they have with the company they are a customer of. Unlike basic customer portals, **self-service portals offer a variety of functions far beyond queries, status tracking, changing address information or opening a support ticket**. In this way, self-service portals are emerging as an **organized and comprehensive environment in which to perform complex or higher-risk operations**. In this sense, security is a crucial element in creating these highly functional customer portals. As we have seen, the self-service portal is not just a communication channel, but an **application in which to implement effective changes in the customer-business relationship in real time**. This offers users mechanisms to **solve common problems** or **perform commercial actions** on their own without the need to contact support or sales, in line with the new expectations and dynamics of today's consumer. ## Basic elements of a functional customer portal The first basic element for a customer portal is a **secure authentication system**. User access must be performed under tested standards that comply with the regulations of the region and market in which you are operating. **[SCA (Strong Customer Authentication)](https://www.tecalis.com/blog/sca-strong-customer-authentication)** models are specified by standards such as **PSD2/3** and stand out for their good use of MFA (multi-factor authentication) dynamics. Providing users with **credentials based on KYC identity verification** makes it possible to comply with regulatory standards while enabling **high-risk operations**. What does this mean? That users will not have to do complex identity checks just before the **key transaction**. This is a major driver for reducing friction that often leads to crashes just before a **cross-sale**. The **[digital signature](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents)** is one of the most relevant tools that must be present in any customer portal. This technology supports both the identification tasks and the **contracting of new products within the self-service portals**. Linked to PSD2 authentication, the digital signature is used as an element to provide **full E2E traceability to the operations performed within the customer portal**. As we have already mentioned, another new feature of the customer portals is the inclusion of major **cross-sale options**. Thanks to electronic signatures and authentication based on biometric features, users only need **a couple of clicks to contract complementary products after the onboarding process, account registration and contracting of the main product.** Similarly, long after that first sign-up and contracting, there are many **options to motivate users** to make **new transactions, contract new services or discover new products** within self-service portals. Well-designed **product configurators** are a clear attraction to boost this type of sales, beyond banners, pop-ups and other advertising elements within your customer area. Another important element of customer portals is the **omnichannel support** of this digital tool. Access to the platform through any device and channel is essential to prevent users from giving up if they access a website and are redirected to an app. A cross-device experience is essential so that they can decide to use one or both channels depending on their needs or environment. ## **Self-activation systems** [**Self-activation** is one of the most important elements of a functional customer portal](https://www.tecalis.com/case-studies/movistar-telefonica). And also in general of any business strategy, especially those that work with services. In line with the demands of immediacy, **users are not willing to wait days or weeks until a product or service is activated from its contracting**. This **use case is possible thanks** to the RegTech technologies of QTSPs (Trusted Service Providers) and **automated customer scores with anti-fraud controls**. Being able to register service or product instantly right after a digital onboarding and onboarding requires: * **KYC identity verification.** * AML checks in case of BFSI products. * **Electronic contracting** with eIDAS digital signature. * **Connection of** these processes with the **business operations systems.** **Compliance** is fundamental in this sense, since the sectoral and regional regulations of the region where the operation is taking place usually set the standards that must be met in terms of security and anti-fraud controls in order to legally authorize these customer registrations (especially in industries such as banking, insurance, telecommunications or utilities).  This **auto-activation process** **may or may not be included within the customer portal.** That is to say, depending on the type of product, the auto-activation will be done **automatically right after signing** the contract and validating the KYC/AML controls or it will be done through a **separate link or auto-activation portal** (for example from the link in an email when the user receives a SIM card or a wallet card at home). Also in both cases the user can be told to access this system from within their customer portal. Finally, in the best customer portals we can find self-completed forms by doing **advanced recognition of documentation of all kinds beyond identity**. For example, for a customer who has a simple account in a bank and **wants to bring his payroll or apply for a mortgage from your self-service portal**. From there, they can upload their paycheck (and all types of documentation required to make the operation viable) and **pre-approve their mortgage in a matter of minutes.** ## Industry-focused customer areas Tailoring customer and self-service portals by industry is essential to meet the **specific needs of each sector**. Each industry faces **unique challenges**, from specific regulations to unique operational processes. An effective customer portal must not only **offer standard functionality**. Like [the most functional agent portals](https://www.tecalis.com/blog/agent-portal-sales-commercial-reps-guide-insurance-banking-telecom-utilities), which allow for the creation of a broad sales network capable of offering tailored solutions, **self-service portals must be customized to address the particular demands of each industry**. Agent portals, however, include functionalities to enable sales reps to generate more business and resolve customer queries both face-to-face and remotely. ### Banking, Insurance and Financial Services [**BFSI** areas are among the most regulated and complex](https://www.tecalis.com/blog/bfsi-banking-financial-services-insurance-sector-industry-companies-market-companies-what-is). Efficient management of security, privacy and financial transactions is essential. In this context, customer and self-service portals, framed within what we know as **digital banking**, become strategic tools to improve **the user experience and comply with regulations.** In the financial arena, customizing a customer portal involves not only customizing the interface for intuitive navigation, but also incorporating advanced security protocols. Users must feel secure when making transactions and accessing sensitive information. In addition, customization extends to **offering specific financial services, such as investment management, loan applications and balance inquiries.** In the **[insurance sector](https://www.tecalis.com/industries/insurance)**, there are many operations in which the user must upload images, for example. The best second-generation OCR technologies allow the requested image documents to be uploaded through self-service portals, with AI validation. **Electronic notifications** are another key case in the insurance industry, where **users can view policy expirations, cancellation notifications or changes in conditions on their customer portals.** ### Telecommunications Telecommunications is a dynamic industry that requires agile and accessible solutions for managing services and customer queries. Adapting customer and self-service portals in this sector involves addressing challenges such as **activating services, managing contracts and resolving technical issues efficiently.** Users in the telecommunications sector are looking for a seamless experience. Self-activation of services, such as **setting up plans and activating new lines, must be intuitive and fast**. In addition, the ability to **check the status of existing services and receive technical support directly through the portal** contributes significantly to customer satisfaction. **[BSS/OSS](https://www.tecalis.com/blog/oss-bss-operational-and-business-support-systems-what-is-difference-telecommunications) systems such as Customer Hub** allow the design of customer portals where to cross-sell and explore synergies with **new verticals for telcos such as device leasing or sale, subscriptions to streaming services or even services such as electricity and gas, which can be contracted directly thanks to their RegTech technologies.** ### Utilities and others  Utilities, such as water, electricity and gas, have **particular requirements in terms of account management and customer service**. Adapting customer and self-service portals in this context involves addressing **billing, service management and efficient resolution of utility-related issues**. Adaptation in the utility sector focuses on providing users with the ability to manage their services effectively. This can include features such as **online meter reading, bill payment, scheduling maintenance services and obtaining detailed consumption information.** ## How to create a self-service portal with Customer Hub For the creation of a customer portal, it is necessary to combine the aspects we have seen previously: **technological capacity for the development of web systems, knowledge of the rules and regulations of the industry and expertise in customer experience and sales.** [**Tecalis Customer Hub**](https://www.tecalis.com/products/customer-hub-sales/ecommerce-marketing-web-online) emerges as a comprehensive solution for the creation of customer and self-service portals. With a **focus on personalization, security and user experience**, Customer Hub offers a wide range of **features and functional capabilities** that make it possible to build an **efficient and adaptable** self-service portal for various business needs. Highlights include advanced authentication systems, compatibility with industry-specific regulations, and an intuitive interface that facilitates user navigation. In addition, the platform integrates seamlessly with the enterprise operating systems **of both the brand and the distributors and business partners** (indirect/alternative channel), ensuring efficient operations management and seamless communication between the company and the customer. Tecalis, through its customer experience experts, **collects the key use cases to be carried out by business customers and proposes a complete and functional customer portal**, integrating all the necessary technologies to enable new use cases according to the most demanding industry standards. Furthermore, unlike **other similar systems, Tecalis Customer Hub integrates agent portals, brand management centers and customer portals under one umbrella**. ## Key benefits of the best customer portals These portals not only act as virtual access points, but also offer a diverse range of benefits that significantly transform the user experience and improve the operational efficiency of organizations. Below, we highlight the key benefits that distinguish the best customer portals, from improved user experience to operational management efficiencies. These benefits not only meet the expectations of the modern consumer, but also **position companies at the forefront of innovation, enabling them to adapt and thrive in an increasingly dynamic and competitive business environment.** **1\. User Experience (UX) improvement:** * Intuitive and easy to navigate interface. * Quick access to relevant information. * Customization of preferences and settings. **2\. Operational Efficiency:** * Reduced workload for customer service personnel. * Automation of routine processes and frequent queries. **3\. 24/7 availability:** * Access to services and consultations at any time, regardless of geographic location. * Flexibility to carry out transactions outside business hours. **4\. Self-service and Customer Autonomy:** * Ability to solve problems and perform operations independently. * Reduced dependence on telephone or face-to-face assistance. **5\. Security and Regulatory Compliance:** * Implementation of secure authentication systems. * Adherence to industry-specific regulations. **6\. Efficient Transaction Management:** * Agile service and product activation process. * Facilitation of key operations such as information changes or hiring. **7\. Integration with Enterprise Systems:** * Seamless connection with internal operating systems. * Consistency in data management and business processes. **8\. Promotion of Cross-Selling and Upselling:** * Use of tools such as electronic signatures to promote complementary products. * Personalized offers based on customer transaction history and preferences. **9\. Omnichannel support:** * Access to the platform through various devices and channels. * Consistent experience in web, mobile applications and other digital channels. **10\. Feedback and Continuous Improvement:** * Collection of data on customer interactions. * Analysis of comments and behaviors to improve service offerings. **11\. Cost Savings:** * Reduction of costs associated with manual operations and traditional customer service. * Increased efficiency in problem solving without the need for human intervention. **12\. Complete Traceability of Operations:** * Use of tools such as digital signatures to guarantee the integrity and authenticity of transactions. * Detailed record of all interactions within the portal. These advantages underscore the **strategic importance of having a well-designed customer and self-service portal and RegTech technologies**, which not only improve the company's operational efficiency, but also provide a positive and autonomous experience for the end user. --- ## Agent portal for motivated sales reps: a quick guide **URL:** https://www.tecalis.com/blog/agent-portal-sales-commercial-reps-guide-insurance-banking-telecom-utilities **Descripción:** Agent portals enable salespeople to conduct all types of transactions. The best ones are adapted to any industry need and use case. Agent portals are essential to be able to **create a wide sales network** that has the effective capacity to **activate new business**. Providing your sales agents with a platform where they can work in a comfortable, orderly and secure way is a competitive advantage in an increasingly competitive market. Next we will look at what a suitable agent portal looks like, what **current options are available** and define a roadmap to **design it according to the needs of our business and the demands of the market.** ## **What is an agent portal or sales portal** An agent portal is a **digital workspace** where professionals who are **in direct contact with the** market find the **necessary tools to make new sales** and resolve issues related to any interaction with the customer. Many brands and businesses have managed to **position themselves** in the market thanks to agent portals, which **boost the work of employees and collaborators**, both in direct and indirect channels. Both prospecting and after-sales service can be managed from these digital platforms. [**Customer portals**](https://www.tecalis.com/blog/customer-portal-self-service-activation-what-is-user-client-create), on the other hand, represent the other side of the overall sales, marketing and service experience. While agent portals focus more on opportunities not yet opened, in order to make them happen, customer portals focus on after-sales and cross-sale service. Within agent portals, you can expect to find **basic tools such as organizers, calendars, product configurators and a dashboard** to keep track of customers and their active, expired or pending products or services. ### **Far greater than a CRM** It is important to clarify that the best [**agent portals**](https://www.tecalis.com/products/customer-hub-sales/commercial-activation-front-end-clients) **are not a CRM even though they have many of the same functionalities.** CRMs are focused solely on managing customer information and automating sales contacts through different channels (email, telephone) for effective lead tracking.  On the other hand, agent portals go much further by adding **tools integrated with the** business **operations** that allow for more relevant transactions and procedures, resulting in **more capacity for agents to act in the face of everything they can solve for customers**. ## **Customer Hub** Designing an agent portal based on [**Customer Hub**](https://www.tecalis.com/products/customer-hub-sales) allows businesses to unify the best of both worlds and present themselves to the market with a compelling proposition that delivers real results. This platform is presented as a **robust business management tool that fully encompasses all the operational needs** of a business' channels, brands and products. In as little as 45 days (or less, depending on the project), you can have a revamped agent portal that is fully connected to your current systems. Here are the **key steps in defining a Customer Hub project that will result in an agent portal that activates your marketplace**: ### **1\. Focus on use cases** The first step is to define **what we currently have**. What use cases are **relevant among the commercial agents** working the segments and regions to be activated. We will analyze **what tools they are currently using and the possible margin for improvement in the processes and operations we already know**. Once defined and analyzed, we will be able to propose new strategies to implement in the agent portal. From the **overall experience of the agent** when using it to the technical and operational errors that the current tools present when **executing specific tasks**. Once analyzed with a Customer Hub expert, we will begin to explore the **functionalities of the agent portal and its connection at a technical level with the systems** that activate the products and services of the business, databases, etc. ### **2\. Choose tools that make it happen** To **design an effective agent portal, it must integrate as standard** technologies that allow these use cases to be carried out in an **agile, simple and secure way**. A portal where you can simply enter and query information is impractical and will not be able to solve relevant use cases. Among all the tools integrated in the agent portals, the following stand out: * **Electronic signature**, for the contracting of products and services in accordance with current regulations. * **Electronic notifications**, to trace actions within the framework of pre-, during and post-sales customer communications. * **Identity verification and automated document collection**, a must for industries such as **insurance, banking and telecommunications**. * **RPA**, to automate calls between systems or soft bots that perform tasks for sales reps. * **Customer Due Diligence processes**, especially when commercial agents must activate **B2B** business. [**Electronic signature**](https://www.tecalis.com/blog/electronic-signature) and KYC identity verification are combined in customer product activation flows, **allowing sales agents to grant instant sign-ups** at the point of sale with total security and in compliance with the most demanding regulations in each market. ### **3\. Real-time tracking, take relevant decisions on the go** The agent portal is available to partners and sales people but when built with Customer Hub, a [**business management center**](https://www.tecalis.com/products/customer-hub-sales/crm-channel-management-pos-customers-point-of-sale) (administration portal) is activated for use from the business. Area, sales or marketing managers also use Customer Hub to create sales strategies and activate new agents in minutes. Both the agent portal and the business management platform are really the same ecosystem. They work in a coordinated way and allow a comprehensive connection with different options and functionalities. It is the most relevant commercial strategy tool, being able to **create sales trees by market segment and establish objectives for commercial agents**, among many other functions. They can observe in real time the evolution of each agent and their customers and prospects, approve merchandising or make visits to points of sale. ### **4\. Plan a sales strategy** **Signing up new sales agents in minutes** is possible thanks to Customer Hub. This is one of the main keys to **expanding the sales network quickly and securely**. Thanks to its control systems and the total integration of the systems, providing credentials and access to the agent portal is very simple. In addition, from this same platform, **marketing surveys** can be **launched to gather information, train agents in the new strategy and products** or manage campaigns to reach the market with the desired differential value proposition. In case of branches and points of sale, **real-time data** can be **visualized with value-adding graphs**. By **map connected to Google Maps**, agents can be geolocated and status can be checked. With respect to points of sale, it is possible to create and consult order releases related to stock for both product in the case of physical product sales and back office material needed by sales agents. ### **5\. Go beyond, innovate by enabling new opportunities.** When you have an agent portal, it is the perfect opportunity to innovate and **diversify**. Many businesses have seen a perfect **opportunity** when creating their agent portals to **attack new niches and enable use cases that were not possible for them before**, boosting sales of the already established and on the other hand creating new processes that have completely transformed the business, **scaling it**. Agent portals such as Customer Hub allow ad-hoc customization and the creation of specific solutions for each business, **approaching the development of its implementation from a transformation project perspective**. However, this development is approached in an agile and fast way, since 80% of the system is already built in the absence of the company that wishes to create its new agent portal specifying these needs and making the transformation analysis of the commercial function together with Customer Hub experts. ## **Agent portal models tailored to your industry** Agent portals have proven to be **essential catalysts for efficiency and performance in a variety of industries**. Their ability to **provide professionals with a comprehensive platform for transacting, resolving issues and managing customer interactions** has led to their widespread adoption.  The key to their successful implementation and use lies in **clearly identifying market opportunities for agents and giving them the necessary tools** to carry out **all operations autonomously and securely**. In this context, we will explore how these portals adapt and benefit specific sectors, highlighting their particular functions and use cases. ## **Insurance** In the [**insurance industry**](https://www.tecalis.com/industries/insurance), agent portals present themselves as **advanced quotation tools**. Known as search engines, comparators, **product configurators** or quoters, these **web-based tools allow agents to efficiently compare prices and plans**. Not only do they simplify the search for the best deals, but they also provide **detailed information on coverages, premiums, deductibles and installment payment options**.  The agent portals are used both by the direct employees of the insurance companies and by all employees of the major **brokerages. They** can also be made available to **individual insurance agents with only one web access**, which is easy to use and does not require extensive training. They allow **instant policy activation** thanks to **digital onboarding with automated risk scoring through PSD2/3 (Open banking) bank scrapping**. This allows insurance to be marketed in locations such as shopping malls or any niche segment. ## **Utilities: energy marketing and supply** In the utilities field, agent portals play a crucial role in **optimizing service and supply management**. They enable commercial agents to access integrated tools that simplify day-to-day operations, such as **energy trading**.  From real-time monitoring to **detailed consumption reporting, these portals provide a comprehensive platform to address the unique demands of the utility industry**. Agents, through these specialized portals, can improve operational efficiency and deliver customized solutions to customers in the energy and utilities sector. Both for agents working in **call centers** and for those who **visit customers**, the electronic signature is a great ally, being able to **send electricity, water or gas contracts immediately to customers for signature from their mobile device.** ## **Banking and financial services** In the banking and financial services industry, agent portals are becoming **essential tools to enhance the customer experience**. These portals go beyond traditional CRM functionalities, integrating specific tools to perform financial transactions, **manage mortgage loans and facilitate customer due diligence (**[**KYC/AML forms**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data)**)**.  From electronic signatures to process automation, agents can offer services beyond information management, providing complete financial solutions in a secure and efficient manner. **Similar to the insurance sector**, we find solutions in banking agent portals such as image and document recognition and validation using KYB / advanced OCR, for example to **analyze true images of a vehicle or a property for appraisals or expert opinions and the collection, validation, processing and storage of documentation such as pay slips or tax forms.** ## **Telecommunications** In telecommunications companies, agent portals play a key role, as it is a **highly competitive industry where new players are increasingly breaking into the market and turning the market upside down.**  Acting as **integrated OSS/BSS tools** to manage industry-specific processes such as **service activation, technical problem resolution and contract administration**, agents become a complete global assistant to any need a customer or prospect may have.  By using technologies such as electronic signature and identity verification together, agents can perform critical tasks such as **SIM activation without delay in an efficient manner**, ensuring fast and personalized customer service without the traditional waits where telco customers were left for hours or even days without a line. In addition, it **solves high-risk use cases such as SIM Swapping**, for which many players have received sanctions from regulators for not complying with security regulations. --- ## Insurance Industry: FAQs and Key Aspects **URL:** https://www.tecalis.com/blog/insurance-sector-what-is-faq-questions-market-policies-today **Descripción:** The insurance sector is a broad area and there are dozens of concepts that are sometimes complex. The insurance industry must respond to them. The **insurance sector** is one of the sectors of activity where we find a greater number of technical questions and in relation to the **most common operations between customers and companies**. With dozens and even hundreds of complex relevant concepts, many insurers even choose to create their own "insurance dictionaries", where they collect descriptions and definitions of a large number of terms. The following is a brief **overview of the basics of the insurance sector and a block-by-block summary of the most frequently asked questions** about insurance and its business. ## **What is the insurance sector** The insurance sector is the group **of companies, organizations, companies, professionals, entities and clients** (or users) that act in the market actively, either directly or indirectly. We must not forget that the role of **regulators** is decisive in the **insurance sector,** since the rules set by these bodies and institutions are the basis on which insurance activity is built. This industry brings great benefits, having a **positive impact on the investment** made in third-party funds and on the attraction of savings through capitalized costs. On the other hand, it **allows mortgagors to face larger operations, facilitating possibilities for debtors**. These are usually stable products with a medium and long-term outlook. As a specialist in **turning risks into opportunities**, the insurance sector has shown itself to be crucial in times of instability such as the recent health crisis. Savings as a risk forecaster has helped industries such as the automobile industry, where the insurance sector has found a new way of understanding this area through **CaaS (Car as a Service) in** relation to the difficulties experienced due to the lack of microchips. These are just a few examples of how insurance companies have **reinvented their services and customer relationships** to create new monetizable assets while responding to new consumer habits. A need for **diversification** that those who have tackled have been rewarded. ## **Frequently Asked Questions about the insurance sector** In a previous article, we clearly saw how the [**insurance industry**](https://www.tecalis.com/blog/insurance-industry-sector-market-underwriter-insured-classification-companies) works and how it is composed. This time, we are going to answer the most relevant **frequently asked questions** (FAQ) that both users and professionals of the insurance sector ask. The insurance industry may seem complex at first sight, with a **great variety of products, terms and conditions, even more so now that thanks to RegTech, insurers can easily enter new markets and vocals**. Therefore, understanding the basics is essential to make informed decisions and protect yourself against unforeseen events. We have compiled a series of frequently asked questions by category, ranging **from the basic definition of aspects most frequently asked by customers to specific information on how to improve certain aspects of the day-to-day business of insurers and brokerages**. Join us on this journey and discover the answers to the most common questions about the insurance sector. ### **Ecosystem Parties: insurer, insured, rating and companies** Although it may seem really basic, **there is a certain lack of knowledge and confusion about the nomenclatures used to define the different parties involved** in the insurance contract. The differences between the insured and the insurer are clear: **the insurer is the company (the one that takes the risk) and the insured is the party that contracts the service and may receive the damage**. The insurer's obligations are to provide indemnity while the insured's obligations are focused on responding to payments and fulfilling conditions. The role of the insurer is the most relevant within the insurance sector. Other concepts that sometimes create confusion are the policyholder and the beneficiary. The former is the one who pays the insurance and the latter the one who receives the indemnity. **Insured, policyholder and beneficiary do not necessarily have to be the same person in an insurance contract**. On the other hand, there is the profile of the **mediator (brokerage)**, advising on the contracting of the policy. In cases of disputes due to discrepancies in the contract or in the appraisal we also find mediation, although in another aspect. **The work between brokerages, agents and insurers has come a long way in recent years thanks to the emergence of marketing and quoting solutions such as** [**Customer Hub**](https://www.tecalis.com/products/customer-hub-sales). This system acts as a portal for agents and self-service at the same time, enabling digital spaces for marketers to perform all kinds of operations and activate policies in minutes and for customers to make transactions securely in addition to **obtaining products from disruptive verticals through cross-sale**. ### **Differences and connection between the insurance policy and the insurance contract: better with digital signature** The way in which the **relationship between the policy and the insurance contract** is made **is decisive for the insurance contract to take place**, and although they are often used interchangeably, there are key differences and connections between the two concepts.  The **insurance contract is the legal agreement between the insurer and the insured** that establishes rights and obligations of both parties. This agreement formalizes the commercial relationship. The [**insurance policy**](https://www.tecalis.com/blog/insurance-policy-what-is-number-example) is a **specific document that is part of the insurance contract**. The policy specifically details the conditions and terms agreed upon in the contract and defines the coverages, exclusions, premiums and other relevant aspects. It is a written instrument that serves as evidence of the agreement between the parties. **Electronic signatures** play a key role in simplifying and streamlining insurance contract and policy related processes as well as in **giving the policy activation full legal and juridical character**. By adopting electronic signature solutions, insurers can make it easier for policyholders to subscribe to documents digitally. To establish this relationship, it is necessary to go to the [**insurance contract law**](https://www.tecalis.com/blog/insurance-contract-law-characteristics-contracting) of the market in which it is operating and identify the key specifications for this to take place and be valid, being the electronic signature the best guarantor that helps to comply with it. The electronic signature, **backed by eIDAS regulations and in compliance with SEPA and RGPD mandates**, guarantees the authenticity and integrity of contracts and policies, allowing for **quick formalization** without the need for physical documents and collecting the **validation of sensitive information with KYC as well as validating documentation such as appraisals, deeds, expert reports, etc**; which are embedded in insurance transactions. This technological approach not only improves operational efficiency by reducing costs, but also provides solid legal support and the best possible experience to both agents and customers who are not very digitized because of its ease. ### **How the digital valuation of transactions in the insurance industry is carried out: insurance quotes** Several factors affect insurance rates, including age, gender, driving record (in the case of automobile insurance), medical history (for health insurance), geographic location, type and value of the insured property, selected coverages and desired indemnity limits. **The determination of the insurance premium is determined by these values, which should be analyzed to obtain a risk score to help us assess the viability of the operation**. To obtain an automated quote, insurance companies, brokers or agents can be contacted directly so that **from their Customer Hub they can collect all the information and documentation necessary to assess these aspects in a fast and automated way**. In the case of the online channel, users can use insurance comparison websites or work with a broker that have the same systems, **uploading the documents there and being validated, processed and securely stored by the RegTech systems of the** [**intelligent assisted selling portal**](https://www.tecalis.com/products/customer-hub-sales/ecommerce-marketing-web-online). You will need to provide details such as personal information, vehicle or property details, claims history and other factors that affect premiums. Companies will evaluate this data validated by anti-fraud controls to determine the appropriate rate and coverages. ### **InsurTech: new nomenclatures derived from innovation in the insurance sector** The convergence of technology and the insurance sector has given rise to the revolution known as InsurTech, marking a **paradigm shift in the way insurable risk is conceptualized and managed.**  This emerging InsurTech landscape is redefining the insurance landscape, driving efficiency, personalization and security. Continued adoption of these innovations promises to further reshape the industry, offering more agile solutions tailored to the changing needs of policyholders: * **Blockchain technology** has burst onto the insurance scene, enabling the creation of **smart contracts that are automatically executed when certain predefined conditions are met**. This **decentralized approach** ensures transparency and security in transactions. * The incorporation of **telematics software (telemetry and traceability with electronic notifications)** has facilitated the collection of real-time data on policyholder behavior. **Usage-based insurance (UBI)** adjusts premiums according to individual behavior, encouraging safer behavior. * **AI and NLP** have transformed **data management and customer service**. AI-powered virtual assistants streamline processes, while NLP enables the **analysis of large unstructured data sets to assess risks and anticipate market trends (with predictive modeling and big data)**. * The **use of cloud solutions dedicated to the insurance industry (InsurCloud)** has improved operational efficiency. In addition, there has been an intensified **focus on cybersecurity based on regulatory standards such as AML6, PSD2/3 (OpenFinance and Open Banking)** to protect sensitive data and safeguard the integrity of systems while allowing for **easier quoting by obtaining real-time data**. **Robotic Process Automation (RPA)** has optimized operational efficiency by automating routine tasks. From **claims management to policy underwriting**, insurance processes have undergone a significant transformation. This has enabled tasks such as **automated powers of attorney and digital customer-to-business (B2B) onboarding with KYB techniques**. ## **Insurance companies** Finally, let's take a brief look at the players. We can find different ways in which insurance and its agents are classified. The first distinction to be made is the model: **public or private**.  Although it may seem that calling the State an insurer is almost metaphorical, the truth is that organizations such as **Social Security act as coverage systems**. In this sense, we would consider certain taxes and withholdings as the premium and subsidies such as unemployment benefits as the indemnity. With respect to public insurance entities and organizations, in countries such as Spain we also find the **Consorcio de Compensación de Seguros (Insurance Compensation Consortium)**. With its own assets and outside the State (although dependent on the Ministry of Economy), it acts in a subsidiary capacity as a direct insurer and **Guarantee Fund**.  **In regulatory matters, the Directorate General of Insurance is responsible for the regulation, supervision and control** of the insurance sector to ensure its proper functioning. With these basic lines clarified, we can go on to classify insurance according to the **types of insurance companies and insurance entities**: * **Private insurers: Insurance companies and insurance companies** generally incorporated as private corporations that **provide insurance services**. [**Banking**](https://www.tecalis.com/industries/banking) is one of the most important sectors within insurance. * **Mutual insurance companies:** These operate as associations of people who wish to cover individual risks collectively and on a pooled basis. They are usually not-for-profit and can be found with **fixed and variable premiums**. They are also found as foundations and some also as joint stock companies. * **Cooperatives:** Similar to the above but based on the **Private Insurance Law** and the **Cooperatives Law.** * **Mutualidades de Previsión Social:** They offer voluntary insurance and with limitations according to the Dirección General de Seguros, they operate outside the Social Security coverage. It should be remembered that there are also different types of **insurance intermediaries**. Here we find **traditional brokerages** and those that work online (with different models thanks to InsurTech), independent **insurance agents**, traditional and online banking operators, as well as many other players that **base their activity on insurance marketing**. **Insurance comparators** also come into play in this area. --- ## Insurance Trends: Keys for a changing insurance industry **URL:** https://www.tecalis.com/blog/insurance-week-key-insurers-insurance-sector **Descripción:** The insurance sector is undergoing a series of decisive transformations that mark its current affairs and insurance-related news. Find out more! In all markets, the insurance industry meets regularly to **analyze industry trends** and create synergies that bring value to all players. It is crucial to have **feedback from agents, brokers and intermediaries, who are in direct contact with the customer**. Insurance meeting events are emerging as important regional meetings to **work on new initiatives and debate the immediate future of the** [**insurance sector**](https://www.tecalis.com/blog/insurance-sector-what-is-faq-questions-market-policies-today) in this **activity.** We will review the trends, keys and conclusions of events in which industry leaders and professionals were hand in hand defining new projects: ## **Regulatory developments affecting the insurance industry** The next steps for companies supporting the industry will focus on **bringing insurer and brokerage systems in line with regulations as** users interact with them in an easier, safer and more personalized way.  **Electronic notifications and digital signatures** have transformed dozens of everyday processes in the industry: from **SEPA mandates, SEPBLAC compliance, expert opinions or claims management to expert opinions, policy renewals, parts or procedures related to** the **RGPD.** Among the new regulations that will affect the industry are: * **IFRS 17**: This **international financial accounting standard**, which is expected to come into force in 2024, establishes a new framework for **accounting for insurance contracts**. IFRS 17 aims to **improve the comparability and transparency of insurance companies' financial information**. In this regard, [**electronic signatures**](https://www.tecalis.com/products/electronic-signature) are helping to meet its standards. * **General Data Protection Regulation (GDPR)**: this European regulation, which is nothing new, came into force in 2018. It is all familiar and establishes a regulatory framework for the protection of personal data. The GDPR applies to all companies that process personal data of European Union countries citizens, including insurance companies. **The challenge lies in automating its compliance and reviewing that the policy is being guarded according to its standards, something that is still pending.** * **Insurance and Reinsurance Distribution Law**: This European law, which came into force in 2023, regulates the distribution of insurance and reinsurance in Europe. The law aims to **improve consumer protection and increase transparency in the insurance market**. Identity verification and [**Know Your Customer**](https://www.tecalis.com/blog/kyc-know-your-customer) (with **AML controls**) are aiding compliance. **DORA Regulation**: DORA (Digital Operational Resilience Act) is a European regulation that aims to strengthen the digital resilience of the financial sector. It is expected to come into force in 2025. It will have a significant impact on the insurance sector, as companies will be obliged to comply with a series of **requirements to ensure the security and continuity of their operations in the event of disruptions or cyber attacks**. It will be mandatory to **identify and assess the risks of ICT used by insurers**, implement measures to mitigate risks in all types of digital operations in the insurance sector and supervisory authorities will have to be notified of security incidents. The support of [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) is expected to fully address this issue for insurers and other players in the sector. ## **eIDAS 2 and EUDI Wallets** [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2) **will have a significant impact on the insurance sector**, as it will enable companies to offer new products and services based on digital identity. Some of the main advantages of eIDAS 2 for the insurance sector are: * **Increased security and trust**: eIDAS 2 introduces new security requirements for electronic identification and trust services, especially in financial services such as insurance, hand in hand with **AML6/7.** This will help to increase consumer confidence in online services in the insurance sector. * **Increased efficiency**: **Electronic identification** of clients will be facilitated, which **is essential for life-risk insurance and other verticals**, enabling insurance companies to streamline their processes and reduce costs. * **New products and services**: The new regulations will enable insurance companies to offer new products and services based on digital identity, such as personalized insurance policies, **even more agile and risk-free on/off services** or **telecare** services. To take full advantage of the benefits of eIDAS 2, insurance companies must adapt their systems and processes to the new eIDAS 2 requirements, train their staff on the new systems and **have digital identification partners to be able to use digital wallets correctly**. Collaborating with other companies in the insurance industry to develop joint solutions and explore other opportunities is key for the insurance industry to innovate and offer better products and services to its customers. ## **Capable mediation in the insurance sector: agent portals** [**Agent portals**](https://www.tecalis.com/blog/agent-portal-sales-commercial-reps-guide-insurance-banking-telecom-utilities) have taken on a major role, being **online platforms that insurance companies make available to their insurance agents and brokers to facilitate the management of their business**.  These portals offer a wide range of functionalities that allow intermediaries to access information and documentation. They can find all **commercial information, such as tariffs, general and specific policy conditions, product manuals, etc.** They can also offer access to technical documentation, such as forms, guides and circulars. From them, **quotes** are made **and policies are issued online**, streamlining the process and reducing waiting time for clients. **The electronic signature should have more impact, seeing that not everyone has it integrated or needs to optimize it**. Agent portals allow brokers to manage their clients' policies, such as making amendments, cancellations, endorsements, etc. They can also provide access to information on policy status, maturities and claims. Therefore, these tools, which are now extremely important, can provide access to online training, marketing and sales tools to **help intermediaries improve their business**. ## **RegTech solutions: before, during and after the insurance contract** It is expected to continue driving the implementation of RegTech solutions in **the insurance industry because the industry trusts them and knows it needs them**. The main objective of the players has been to meet with industry peers to work on innovations that are already being used by industry leaders and that **are bringing them great results in all areas**.  In Tecalis' participation in regional events such as Insurance Week in Spain, **customer management platforms (Customer Hub)**, [**automated risk management**](https://www.tecalis.com/blog/risk-management) and **anti-fraud controls (DDC, KYC and AML)** can be found in instants to be able to **activate policies and sign contracts** in seconds (eSignature). "The insurance industry has understood the importance and necessity of having digital tools to cover its three main challenges: to comply with the standards set by **regulators** and new regulations in constant change (such as **eIDAS2, the European Wallet or PSD3**), to offer a **hyper-personalized, simple and affordable service** to its customers (with new possibilities and products) and to **deliver to its teams, agents and brokers the best digital tools** to work agilely." **Isidoro Martínez, CEO & Founder Tecalis.** ## **The opinion of insurance industry experts** The outlook for the insurance market in the immediate future is generally positive, although there are **some risks and uncertainties to be taken into account.** Industry experts agree that the main **trends that will mark the near future will be**: 1. **Market growth**: The global insurance market is expected to grow, driven by economic recovery, increased insurance penetration in **emerging markets**, and growing demand for innovative insurance products. 2. **Digitalization**: Digitalization will continue to be a key trend in the insurance sector, with companies investing in new technologies such as **artificial intelligence, blockchain and big data** to improve efficiency, customer experience and decision making. 3. **Personalization**: Consumers will increasingly demand **personalized products and services**, which will force insurance companies to develop **solutions tailored to the specific needs of each customer**. 4. **Sustainability**: Sustainability is becoming an increasingly important factor for consumers and companies, which will drive demand for **insurance products that take into account environmental and social impact**. 5. **Cybersecurity**: Cybersecurity will continue to be a major concern for the insurance industry, with companies **investing in measures to protect their systems, potential AML fraud and data from cyber attacks**. Some of the **risks and uncertainties** that could affect the insurance market in the future include economic **volatility**, **drastic regulatory changes** in large markets such as the **European Union**, and the increased frequency and intensity of natural catastrophes, which could **affect insurance premiums and the profitability of the industry**. ## **Tecalis and its value proposition for insurers and brokerage firms** Tecalis is a leading RegTech solutions company that offers unique value to the insurance industry. Through its wide range of solutions, Tecalis helps insurance companies and brokerages to **optimize, simplify, streamline and protect all processes, from the first contact with the customer to the signature or renewal of the policy**. Tecalis' main solutions for the insurance sector include: * **Digital Onboarding (KYC/AML/Risk)**: Tecalis offers a complete solution for digital onboarding management, including customer identity verification (KYC), anti-money laundering (AML) and risk assessment. * **Electronic Signature (Digital contracting and certified electronic notifications)**: Allowing the electronic signature of contractual documents and the sending of certified electronic notifications, with total security and legal validity insurance contracts are sealed and validated to avoid non-payments or premium refunds. * **Marketing (Customer Hub - Agent and Customer Portal)**: Acting as a centralized portal for customer and policy management Customer Hub also counts as an Agent Portal to facilitate the management of your customer portfolio. With more than 10 years of experience in the insurance market, Tecalis has a broad customer base and top-tier partners in more than 20 countries. Its solutions are designed to solve the insurance industry's main challenges, including cost and time reduction, improved customer experience and seamless security. --- ## What is EUDI: EU digital identity wallet **URL:** https://www.tecalis.com/blog/eudi-digital-identity-eu-wallet-eidas2-eidas-2-application **Descripción:** EUDI is the European Digital Identity Wallet, a mobile application implemented by eIDAS 2 to digitally identify oneself in Europe. Get informed! European regulators, led by the **European Commission**, are driving EUDI, the **EU's digital identity wallet**. Efforts are focused on defining the implementation of a single, **sovereign digital identity** that is projected to be a fundamental pillar in the continent's digital age. A major challenge has been set: that by **2030, at least 80% of the European population will be using this innovative tool**. In an increasingly digitized world, as ever the European Union is leading the way with the introduction of EUDI. This innovative initiative aims to **revolutionize online and offline identity management for European citizens**.  In this article, we will explore in depth **how EUDI works**, the applications it can have and its **impact on the** European **digital, social and economic landscape.** We will start by defining what EUDI is, how it has been approached, implementation dates and its **core role within the new eIDAS 2 standard**. ## **What is EUDI?** **EUDI** is a **digital wallet where the identity information of a European Union citizen is stored**. It is a **comprehensive system shared by all member countries** that has been designed to provide EU citizens with a secure and efficient means to manage their identity online and also identify themselves face-to-face with digital tools (on an electronic device such as a cell phone, smartphone, etc). By using cutting-edge technologies such as cryptography (**blockchain**) and biometric authentication, EUDI **ensures the security and privacy of user data while** storing all kinds of information relevant to states, companies and the citizen himself. Thanks to EUDI, users can **access their information and share their digital credentials** securely, allowing them to **interact with a wide range of online** and in-person digital **services** conveniently and securely. It is designed to be **interoperable**, meaning that users can use their digital credentials across a variety of platforms and services, without compromising security or privacy. At all times, **the citizen is the owner and sole manager of this European digital identity**. It is he who decides what he manages, shares or shows or what he does not. Within the framework of the **Digital Europe Program**, the public initiative aims to boost public and private digital services throughout the region by giving citizens complete control over their personal data, at a click of a button. The EUDI wallet is **supported by more than 50 organizations** fully involved in its development: governments and public administrations, mobility experts, payment services, [**trust service providers**](https://www.tecalis.com/blog/trust-service-provider-electronic-services-trusted-third-party-tsp-qualified-ttp-parties-digital-mediator-list), software developers, related industry associations, etc. As part of the executive team of the different consortia, these agents work with the EEC to define all the technical characteristics and models of the EUDI wallet so that the European Union states can provide it to their citizens. In short, EUDI is a **mobile application where we can store official identity documentation issued by governments** and accepted by EU and EFTA member states. In this **electronic wallet** or [**digital wallet**](https://www.tecalis.com/blog/ewallet-e-wallet-digital-virtual-electronic-wallets-what-is), we can also carry all kinds of information, not only identity documents ## **What is the EU digital identity wallet for?** The usefulness of EUDI extends to a variety of practical applications in diverse sectors. From **secure authentication in online services** to the **electronic signature of legal documents**, EUDI provides European citizens with the tools they need to interact securely and efficiently in the digital world and **identify themselves both remotely and in person**. For example, in the field of healthcare, EUDI allows users to securely **access their medical records and authorize the exchange of information with healthcare professionals** when necessary. Similarly, in the **BFSI** sector, EUDI **simplifies the process of opening accounts and conducting financial transactions**. In addition, EUDI also offers benefits in areas such as education, social security and transportation, improving efficiency and convenience for users in a variety of contexts. The following is a list of the **uses of EUDI**: * **Display official identity documentation in digital format**: including passports, government identity documents, driving licenses, residence permits and others. This allows **identification and authentication to both public and private services** online and in person through digital means. It will have a major impact on mobility, travel, public administration and all areas of the economy where identification of customers, users and citizens is required. * **Authorization of payments**: While guaranteeing the security and integrity of the user's data. Together with standards such as [**PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance), which incorporates great possibilities thanks to **open banking**, a new world of possibilities opens up for streamlining processes, saving costs and, above all, increasing security. * **Opening bank accounts:** The EUDI wallet issued by a member state other than the one in which the bank in question is headquartered can be used. Similar to what is already done thanks to eIDAS but with greater ease, standardization and interoperability. * **Consultation and transmission of sensitive data:** Access to **health** data, under the control of the holder, in the case of needing health care in a European state other than the state of residence, justifying health conditions (such as vaccination passport) or signing an informed consent. Regarding **financial information**, EUDI allows to have and share financial data (income, **credit rating**, etc.) by a simple click and with total security for the application of online bank loans and other financial services. It is also possible to show **accreditations of educational and professional qualifications for** selection processes or academic purposes. * **Electronic signature of documents: Just as digital certificates** are currently used as one of the methods for making digital signatures, with this system EUDI digital identities may be used to make [**qualified electronic signatures**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies) **(QES)**. * **Other use cases with companies**: **Renting a car** through the EUDI wallet from a different member state than the rental company, requesting birth certificates or any other **procedure with** local and regional **administrations**, **registering a SIM card** (telephone line) **in your name.** These are just a few examples of all the uses of EUDI, the European digital ID that will work in our devices as an electronic wallet. It is expected that as its adoption by citizens progresses, states will **expand the functionalities of this system and collaborate with private companies to establish new possibilities** within a framework of absolute data security and privacy. **European companies and organizations rely** on the secure exchange of information through EUDI with **customers, suppliers, partners, employees, other companies, administrations, organizations**, etc. Likewise, to verify and authenticate the credible information and data included in the wallet, **companies** need to **invest to work on adapting their onboarding processes** or they can choose to rely on a [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) partner **to adapt easily and simply and get the most out of eIDAS 2 and EUDI.** ## **How the new European Union wallet works** EUDI's functionality **is based on the use of digital wallets**, which act as **secure containers for users' digital credentials**. These wallets allow citizens to access and share their credentials securely, using **advanced encryption technologies to protect sensitive information in a self-sovereign manner (controlled directly and unambiguously by the user owner)**. In addition, EUDI leverages internationally recognized digital identity standards to ensure **interoperability and compatibility with other** public and private **systems.** Users can access their digital wallet through a **variety of devices, including smartphones, tablets and computers**, allowing them to manage their identity in a convenient and accessible way. In addition, EUDI uses **additional security measures, such as multi-factor authentication and fraud detection systems**, to further protect the privacy and security of user data. As in its first version, the new eIDAS 2 regulation defines the regulatory framework for the [**digital identification**](https://www.tecalis.com/blog/digital-identity-what-is-user-internet-print-footprint-reputation-protect-make-management) of users through the EUDI, as well as digital documents, storage, digital accounting packages and electronic certificates inserted into the identity documentation (now 100% digitized within the EUDI wallet). Regarding the technical aspects of EUDI, it is established as an obligation for the European Union countries to deliver an **EUDI (European Union Digital Identity) application 12 months after the effective entry into force of eIDAS 2,** distributed by. * The state itself (through delegated public agencies). * A state-mandated entity (which may be public or private). * A trusted third party, recognized by the member state. ### **The EUDI digital wallet has the following features:** * It grants the highest level of authority and cryptographic (post-quantum blockchain) and includes a **specific security certification** according to the standards set by eIDAS 2 and by the country. * It is capable of **facilitating the exchange of** identity **credentials**, citizen government **information** and other similar qualified or unqualified attributions. * **It allows signing documents through the Qualified Electronic Signature, whose means of creating qualified certificates is the EUDI wallet itself.** * It is fully liberalized in accordance with an implementing act to be published in the official gazette of each EU member state.  * It implies a quantum leap in the standardization of **ETSI and CEN standards**. * All agents and users of the EUDI wallet must be aware of the member state where the information is being transferred (e.g. between a bank or registered company and a user). **It is mandatory for** member states and government authorities, together with private entities covering a wide range of sectors such as **transport, energy, banking, social security, health, water, postal services, education and telecommunications, to** comply with the **acceptance of the European Union National Identity Card (EU-ID) within EUDI**. This acceptance is done through a voluntary request by the citizen (who expresses in an information delivery procedure his/her intention to identify him/herself with this means), which guarantees an explicit consent approach to use his/her EUDI wallet. In addition, **large online platforms are also obliged, which promotes greater cohesion and security in the use of digital identity across the European Union**. However, the citizen is not obliged to use this means of identification, being able to use other means of identification. ## **eIDAS 2 and the EUDI Wallet** It is impossible to understand EUDI without [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2): currently **only 60% of EU citizens have access to reliable identification systems**, and this figure corresponds to the total number of users who have in one way or another used a method of identity verification recognized by the predecessor of eIDAS2 (digital certificate, Know Your Customer systems of trusted service providers, electronic signatures, etc.). Therefore, the current challenge to operate securely online is focused on the construction of a global tool that brings together all modes of online identification. eIDAS 2 (or eIDAS 2.0) is the update of the [**eIDAS (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation, which came to redefine the way in which Europeans conducted online transactions. Since its predecessor has failed to meet its objective effectively, the new standard proposes changes in three main areas: 1. **Elimination of the weaknesses** of the current version at the regulatory level. 2. The **creation of new additional trust services**: certified e-mail (this is already done by many certified players such as Tecalis, but it was not included in eIDAS as such), electronic authentication certificates (which will become the digital document within the EUDI wallet), etc. 3. **EUDI Wallet**: wallet for storing and using EU-wide digital identity proofs and documentations. Thanks to the new standard we can count on the new EUDI wallet, fully integrated and in line with RGPD standards, PSD2/3, AML mandates (6AMLD) and cybersecurity laws. The new proposal highlights that this digital document is "increasingly interpreted by the public and private sectors as the most functional tool to define users and allow them to **choose when and with which private service provider they share numerous identity attributes, depending on their use case and risk needs**." The European Digital Identity Document (stored within EUDI) is an important and core part of eIDAS 2 as a further EU step towards full sovereignty of citizen data and information. **By 2030, it is estimated according to the European Commission that 80% of citizens will use wallet-based identifiers**.  On the other hand, for companies, private organizations, economic agents and service providers of all kinds, the prospects are really good, as the **market will continue to grow by approximately 19% between now and 2028**, according to research and analysis by **Marketsandmarkets.** It is important to highlight that eIDAS 2.0 establishes that member states are obliged to issue the EU Digital Identity Wallet (EUDI) within **12 months after the new regulation comes into force**. In order to guarantee the interoperability and security of EUDI, **collaborative projects such as DC4EU, EBSI-VECTOR and EBSI-NE** have been developed, which have worked on the development of the infrastructure to make the shared wallet a reality. In addition, all pilot projects have actions included in each consortium and will have to be **implemented within a maximum period of 24 months** from last year (2023), in order to be in time for the states to have this basis to develop their wallets in the 12 months mentioned above. ## **Digital identity pilot projects in Europe** In 2023, the European Commission took a crucial step towards digital interoperability with the **investment of €46 million in four European Union Digital Identity (EUDI) pilot projects**. These projects, with a duration of at least two years and a **total investment of more than €90 million, involve more than 250 public and private entities.** The **11 priority use cases of the pilot projects cover the entire EUDI ecosystem**, from issuance to the incorporation of personal information and additional documents. The results will be integrated into the EUDI technical specifications, driving its continued development. Beyond the four main pilots, the European Commission is **developing an open source prototype of the EUDI that will be the main base where the functionalities of the rest will be incorporated**. This tool, **available on** [**Github**](https://github.com/eu-digital-identity-wallet) as of September 2023, will provide valuable solutions and knowledge to the Member States and the **four pilots:** * **Potential:** Offers access to government services, bank account opening, SIM card registration, mobile driving licenses, e-signatures and e-prescriptions. It is called Pilots for European Digital Identity Wallet. * **EWC:** Focuses its functionalities on the storage and visualization of digital travel credentials, organization of digital wallets and payments. It is the most advanced and the most aligned with open source and the one chosen for the EUDI (EU Digital Identity Wallet) denomination. * **NOBID:** Nordic-Baltic eID Wallet focuses on user authorization of payments for products and services, issuance of digital wallets, provision of payment means by financial institutions and acceptance of payments in a retail context. * **DC4EU:** The closest to what we know as a qualified digital certificate, Digital Credentials for Europe, makes use of the EUDI Wallet in the education and social security sectors, using the European Blockchain Services Infrastructure (EBSI). Also to be taken into account are projects such as EBSI-VECTOR (EBSI enabled Verifiable Credentials & Trusted Organisations Registries) and the EBSI-NE (EBSI Nodes Expansion) consortium Trusted Organisations Registries) and the EBSI-NE (EBSI Nodes Expansion) consortium, focused on the European expansion of the EBSI network, which work together to link the use of EBSI for the **traceability of structured and unstructured documents and products (in relation to OCR and document recognition)**, functionalities framed within the TRACE4EU project (Traceability Reference Architecture Conformant EBSI for the European Union). These projects provide valuable feedback on **the performance and usability of the EUDI, allowing adjustments and improvements to be made prior to full-scale implementation**. The EUDI is expected to evolve over time, incorporating new functionality and adapting to technological advances and changing user needs. ## **The role of trust services within EUDI** The introduction of the eIDAS 2 regulation has also opened up new avenues for trust service providers, who will play a **crucial role in providing services related to digital identity and qualified electronic signatures alongside the EUDI Wallet**. These providers will launch new trust services established in eIDAS 2 and ensure the security and integrity of electronic documents between citizen and businesses, providing **complementary Know Your Business, due diligence and user experience enhancement services in digital onboarding processes** that comply with the most rigorous standards. The new regulation introduces the possibility of additional trust services, such as **long-term legal custody**. This implies a transition **from the traditional physical preservation of paper documents to the digital preservation of documents with legal value over time**. This regulated process guarantees the legal validity of documents through the **application of time-stamping (with new and more developed blockchain techniques)** and digital signatures. However, it is important to note that the provision of **qualified archiving services for electronic documents is reserved only to Qualified Trusted Service Providers (QTSP)**, which must employ procedures and technologies that ensure the integrity and trust of the electronic document even beyond the established technological validity period. In summary, EUDI represents an important milestone on the road to a more secure and efficient digital Europe. With its focus on security, privacy and interoperability, EUDI has the potential to transform the way citizens interact with online and offline services across the European Union alongside other standards such as **NIS2**. As the implementation of EUDI progresses, it is expected to continue to play a key role in promoting innovation and growth across the region. --- ## eIDAS 2: Dates, approach, news and EUDI wallet **URL:** https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet **Descripción:** eIDAS 2 is the latest European regulation that introduces new features such as EUDI Wallet to implement a single digital identity in the EU. The **eIDAS 2 Regulation is a reality**. After years of debate about its **scope** and arduous negotiations by EU member states and parliamentary groups in the **European Parliament, eIDAS 2.0 has been approved with a large majority of the** chamber's support. **How does it affect you?** Next, we will review the latest news on the new standard, analyze the latest changes surrounding its approval and **analyze how both citizens and companies can make use of all the advantages offered by eIDAS2.** ## **Latest news about eIDAS 2** In **November 2023, negotiations** for the proposal and draft update of [**eIDAS (electronic IDentification, Authentication and trust Services)**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) Regulation were finalized. After that, a **final text** was drafted, which was approved by all member states during the Spanish presidency of the Council of the European Union.  **eIDAS 2 is the legal framework** we must turn to in order to understand **e-services and citizen identification in the European Union**. From now on, European countries have a deadline to implement a series of changes that will **transform the way in which citizens, companies and institutions interact with each other**. New, more agile, simpler and, above all, more secure ways of doing business. With 335 votes in favor, **eIDAS 2 finally saw the light of day on February 29, 2024**. In our **previous article we** already went over all the **differences and substantial changes between eIDAS and** [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2), but let's make a summary: ### **What is eIDAS 2** **eIDAS 2 is a revision of Regulation (EU) No. 910/2014** on **electronic identification and trust services** for electronic transactions in the European internal market. Now, it is intended to go much, much further with intention of **providing European companies, organizations and citizens with digital tools with which to identify themselves, share information and perform sensitive transactions with total data security.** * It **reinforces security of electronic identification** and trust services, providing **new methods of identification (new digital identification document within EUDI Wallet)** and authentication, as well as **expanding the number of trust services** to address use cases that were ambiguously resolved by the previous standard. * New types of credentials are introduced, such as **verifiable credentials**. These allow users to **demonstrate and share their chosen attributes (age, qualifications, permissions, credit score, etc.) without revealing unnecessary personal information**. * Promotion of **digital self-sovereign identity**, where users have greater control over their personal data, based on an official digital ID from EU and each state. * **Facilitates cross-border interoperability of trust services**. * It extends the scope of eIDAS to **new sectors, such as healthcare, mobility and education**. It also expands the obligations of FinTech and other BFSIs to identify their clients. * **New security levels** have been defined: A **fourth "very high" security level** has been introduced **for high-risk transactions**. Thus, by **amending the previous standard**, we have a **new framework for a European Digital Identity** (COM(2021)0281 - C9-0200/2021 - 2021/0136(COD)) or eIDAS 2 Regulation. Its **publication in the OJ-EU** (European Union’s Official Journal) is imminent. It is important to highlight that **eIDAS2 will coexist and must be related to other important rules such as** [**PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance)**, AML6, DORA Regulation, NIS2, GDPR** and the associated regulations in each member state as well as the mandates of sector regulators (such as **SEPBLAC and ENS** in markets such as Spain). ## **Digital identity in eIDAS 2 Regulation** From now on, **all** EU **citizens**, as well as **residents**, will have the ability to **easily manage their identity data and offer it if they wish and in a segmented way to companies, administrations and other citizens**. This involves actions to **request, select, combine, store, store, delete, share and submit data related to their identity in a secure manner (regarding** [**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business)**)**.  The main objective of eIDAS 2 is to provide users with a **European digital identity wallet that is fully portable, secure and easy to use for the purposes we have described above**. As a transitional measure, until unalterable certified solutions are implemented, such as protection measures within users' devices, European digital identity wallets can use certified external protection measures to **protect cryptographic and other sensitive data**. This Regulation also **recognizes national conditions related to the issuance and use of certified external protection measures**. The new understanding of digital identity in eIDAS 2.0 is expected to **promote economic value creation by facilitating access to goods and services, as well as reducing the costs associated for businesses with electronic identification and authentication procedures thanks to even more agile and powerful** [**RegTech solutions**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology). This includes reducing the costs of **onboarding, KYC, Due Diligence and other processes**. Mitigation of cybercrime risks is expected to be expanded thanks to renewed eIDAS regulation, such as **identity theft, data theft and online fraud**. In addition, it seeks to boost the efficiency and secure digital transformation of small and medium-sized enterprises (SMEs) in the EU. In [**EU Official Proposal COM/2021/281 final**](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A52021PC0281) (specifically in point one of the memorandum) we can see the key objectives of eIDAS 2, which focus on **facilitating the cross-border use of highly secure and trusted electronic identity solutions**.  In addition, it is intended that **both individuals and legal entities can use these digital identity solutions effectively.** These solutions must be **equipped to share specific identity data according to the needs of each service**. It also seeks to ensure equal acceptance of qualified trust services in the European Union. To achieve these objectives, eIDAS 2 proposes an "EUDI e-wallet and e-wallet" system that enables the electronic identification of individuals while maintaining full control over their personal data. ## **EUDI and eIDAS 2: New ID wallet for everyone** [**EUDI**](https://www.tecalis.com/blog/eudi-digital-identity-eu-wallet-eidas2-eidas-2-application) **(European Union Digital Identity)** is the **system** proposed by eIDAS 2 to build a **digital identification documentation model for Europe's citizens, residents and businesses**. The new regulation introduces the "**European Digital Identity Portfolio" (EUDI)** as a secure means for EU citizens to store and manage their identification data, attributes and credentials. This tool will allow users to: * **Identify and authenticate yourself** online. * Securely **sign electronic documents** with **qualified electronic signature directly from EUDI Wallet**. * **Generate pseudonyms to protect your privacy** when accessing online services (while **showing that you are a real person, but without revealing your identity**). * **Secure** access to **public and private services**. **Their use will be voluntary**, without discrimination for those who choose not to use them. EU member states are obliged by eIDAS 2.0 to **provide at least one wallet within the next twenty-four months**. It is a public product and service to identify EU citizens both face-to-face and online. These wallets will incorporate privacy protection technologies, such as **zero-knowledge proofing**, to ensure user privacy. **The source code of the applications must be transparent and open source**. Wallets **will be offered directly on the initiative of member state entities**, under mandate of the member states, **or independently with state recognition (private organizations or QTSP trusted service providers developing their own** [**digital wallet**](https://www.tecalis.com/blog/ewallet-e-wallet-digital-virtual-electronic-wallets-what-is)**).** **European digital identity wallets will be provided free of charge and** can be used to access public and private services across the European Union and should connect with organizations that require user data in order to interact with them (make them customers, partners, suppliers, recruit new employees, partners, etc.). ## **Key dates, eIDAS 2.0 and EUDI Wallet in every state** EU member countries will have **24 months to provide at least one EUDI to their citizens** (as required by eIDAS 2 Article 5a(1)). The **European Commission will provide guidelines and tools to facilitate implementation throughout the adaptation period**. With the new updates and the latest developments, **eIDAS 2 roadmap** currently looks as follows: 1. **June 2021:** The European Commission presents a proposal for a Regulation to update eIDAS based on EUDI Wallet pilot projects of different consortia (analyzed in our article on EUDI). 2. **February 2022:** First outline and framework for the development of Europe's EUDI digital identity architecture. 3. **October 2022:** Official publication of new trust services and technical architecture of new digital citizen identity. 4. **June 2023:** The European Commission publishes a guide for the implementation of eIDAS2. 5. **November 2023:** Preparation of the final text and completion of details. 6. **February 2024**: Vote and approval of the standard. 7. **H1 2024:** Implementation of acts with technical specifications and processes for EUDI Wallet according to results of pilot projects. 8. **September 2024:** Deadline for Member States to transpose eIDAS 2 into national legislation. 9. **Q4 2024 and H1 2025:** QTSP work that will implement EUDI Wallet in member states, with processes and technical development. 10. **September 2026:** Deadline for trusted service providers to adapt to new eIDAS2 requirements and EU member states to deliver their EUDI Wallet. 11. **2025-2026:** First years of development, improvements and monitoring by the European Commission. Adaptation period for citizens, companies and institutions. Verification of attributes of authentication systems within 24 months of approval (Article 45e of eIDAS 2). 12. **2025-2027:** Specification and development of requirements for [**SCA (Strong Customer Authentication)**](https://www.tecalis.com/blog/sca-strong-customer-authentication) in online identification (Article 5f(2)) with EUDI Wallet. Definition of requirements for large online platforms (Article 5f(3)) and acceptance by all public administrations of EUDI Wallet as a means of authentication (Article 5f(1)). 13. **2030:** Target of 80% of EU citizens and companies actively using EUDI Wallet under the eIDAS 2.0 standards adapted by organizations, companies and institutions. In the meantime, the use of certified external protection measures will be allowed on a transitional basis (current eIDAS 1 [**qualified trust services**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas)). This approach will be implemented without interfering with national regulations on issuance and use of certified external protection measures related to the new eIDAS2 Regulation. Other identification methods can coexist with EUDI and eIDAS 2 (being optional, secondary and non-preferable) so that users who do not voluntarily choose to use EUDI Wallet can identify themselves and share data with companies and other organizations (also subject to the GDPR). ## **How to adapt to new eIDAS2 standards?**  This new landscape for digital identity management challenges companies to **adapt to its requirements in order to continue operating securely and efficiently**. RegTech technology companies play a key role in this process by **offering innovative solutions that enable companies to meet eIDAS 2 requirements efficiently and effectively**. These solutions may include **digital identification platforms, identity management systems, electronic authentication services and digital signature tools, among others**. In addition to **providing specific tools and technologies**, **consulting and advice** is offered to help companies understand and comply with eIDAS 2 regulatory requirements. This may include **conducting risk assessments, implementing compliance policies and procedures, and training staff on the proper use of new technologies and processes**. 1. **Familiarize yourself with the regulations:** It is essential to understand the technical, legal and operational requirements of eIDAS 2. The European Commission and QTSPs in each country provide information and resources to facilitate this process. 2. **Assess the impact on the company:** It is necessary to analyze which processes and systems are affected by eIDAS 2 and what measures are needed to adapt them. 3. **Select a suitable technological solution:** Choose a RegTech company that offers reliable solutions adapted to the specific needs of each company. 4. **Implement the technology solution:** Integrate the new technology seamlessly, securely and efficiently into the company's existing systems. 5. **Train staff:** Train employees in the use of new tools and procedures for digital identity management. 6. **Monitor and update:** It is important to continuously monitor compliance and update technology solutions as needed. **Adaptation to eIDAS 2 is a necessary process and one that will bring great economic growth and cost savings** for companies looking to take advantage of the benefits of secure digital identity in European markets. RegTech companies become strategic partners to facilitate this process and provide reliable and efficient technological solutions. EUDI has the potential to: * **Reduce the administrative burden** for citizens and businesses. * **Encourage mobility and cross-border sales** within the EU. * **Develop new** interoperable digital **services.** * **Facilitate access to public and private services in a safe and comfortable way.** The implementation of eIDAS 2 will have a **substantial impact on the digital operations of any company**, especially those involved in electronic transactions of a **moderate risk level such as BFSIs, telcos or utilities**. It is essential to **carefully assess how these new regulations will influence the internal processes of each organization and especially those related to the customer, in order to take the** relevant **measures** to ensure compliance with the requirements established by eIDAS 2. As a **RegTech QTSP company officialized by European Union**, we thoroughly understand these changes and **help our clients deal with the transition through easy integration of simple and affordable solutions**. To comply with these emerging regulations we must ensure security and reliability of all our electronic transactions in any operation. ## **eIDAS 2: Use cases for citizens and companies** Use cases for eIDAS2 EUDI portfolio can be found in almost all areas of life, economy and in any sector or industry. Below is an **ordered list of use cases, the most comprehensive you can find on the web to date.**  The name **EAA** stands suits for **Electronic Authentication Attribute** and **QEAA** for **Qualified Electronic Authentication Attribute**, as established in various EUDI Wallet pilots. **ODIs** refer to the use of an **organization identity and PDs to those based on data protocols.** Frequency of use is an estimate based on surveys of European citizens as users in different industries. **Public transportation and mobility:** * Public transportation passes (EAA, 1200 times/year) * Single tickets (EAA, 25 times/year) * Student cards (EAA, 50 times/year) * Vehicle leasing (PID, QEAA, 5 times/year) * Carsharing and motosharing (PID, QEAA, 15 times/year) * Merchant Ship Master's Permit (QEAA, ODI, 5 times/year) * Driving license documentation of all types (QEAA, PD, 40 times/year) **Education:** * Student identification cards (EAA, 25 times/year) * Scholarship/Internship Identification Cards (EAA, 25 times/year) * Online Learning Certificates (EAA, 5 times/year) * Library cards (EAA, 10 times/year) **Public administration:** * Citizen Municipal Card (QEAA, 120 times/year) * Municipal service subscriptions (EAA, 20 times/year) * Social passes (EAA, 20 times/year) * Leisure passes (EAA, 120 times/year) * Street Musician Permit (QEAA, 50 times/year) * Fishing permit and license (QEAA, 30 times/year) * Street Trading Permit (QEAA, 50 times/year) * Food handler's permit (QEAA, 40 times/year) * Infection protection inspections permit (QEAA, 5 times/year) * Permit to trade or peddling (QEAA, 5 times/year) * Volunteer card (QEAA, 10 times/year) * Electronic voting (ODI, QEAA, EAA, PID, 0.5 times/year) **Leisure and culture:** * Event tickets (EAA, 20 times/year) * Participation/start-up fee (EAA, 20 times/year) * Membership card (EAA, 50 times/year) * Access management (EAA, 50 times/year) * Recreational Craft Driving License (QEAA, 5 times/year) **Identification and authentication:** * Employee Identification Document (EAA, 200 times/year) * Access management (EAA, 400 times/year) * Login without password (EAA, 1000 times/year) * Password reset (EAA, 3 times/year) * Call Center Authentication (EAA, 100 times/year) * Similar use cases in social networks (EAA, 100 times/year) * Qualified electronic signature of all types of documentation (QEAA, 25 times/year) * Data modification (QEAA, 5 times/year) **Banking, Insurance, Finance (BFSI):** * Payments (QEAA, 100 times/year) * Strong SCA customer authentication (EAA, 100 times/year) * Know Your Customer Processes (EAA, 10 times/year) * Proof of insurance (QEAA, 5 times/year) * Authentication from the call center (EAA, 15 times/year) * Contracting of new services (QEAA, 5 times/year) * Credit scoring, risk assessment and CDD controls (QEAA, 5 times/year) **Telecommunications sector:** * SIM card request (PID, QEAA, 0.3 times/year) * SIM card replacement (PID, QEAA, 0.3 times/year) * Contracting of new services (QEAA, 1x/year) **Retail trade and services:** * Customer card (EAA, 50 times/year) * Discount coupon (EAA, 110 times/year) * Cash on hand/payments (QEAA, 100 times/year) * Customer registration/deregistration (10 times/year) * Age verification (QEAA, 5 times/year) * Product warranty (EAA, 10 times/year) * Login without password (EAA, 300 times/year) * Customer registration (PD. QEAA, 10 times/year) * Age verification (QEAA, 5 times/year) **Travel and hospitality:** * Turnover (PD, QEAA, 5 times/year) * Cure and guest card (QEAA, 15 times/year) * Hotel card/room (EAA, 114 times/year) * Customer card (EAA, 5 times/year) * Travel voucher (EAA, 3 times/year) * Authentication for self-check-in (EAA, 15 times/year) **Companies:** * Organizational identity (ODI, QEAA, 50 times/year) * Master data management (ODI, QEAA, EAA, 50 times/year) * Supplier registration (QEAA, EAA, 50 times/year) * CO2 Test - Supply Chain/Logistics (EAA, 20 times/year) * Product pass (EAA, 1400 times/year) * Authentication for office and tool access (EAA, 300 times/year) * Bookings, control of schedules, working days, etc. (EAA, 300 times/year) * Powers of attorney and internal company compliance (ODI, QEAA, 50 times/year) * Sign NDAs (EAA, 10 times/year) **Health and socio-health:** * Electronic prescriptions (QEAA, 10 times/year) * Informed consents (EAA, 5 times/year) * Data collection/history (EAA, 5 times/year) * Appointment management (QEAA, 15 times/year) These are just a few examples of EUDI Wallet use cases. As **eIDAS 2 technologies and tools develop and become more widely adopted, new and innovative use cases are likely to emerge**. --- ## Digital vs electronic signature. What's the difference? **URL:** https://www.tecalis.com/blog/digital-electronic-signature-difference-versus-what-is-advanced-uses-choice **Descripción:** Differences between electronic signatures and digital signatures are very relevant when signing documents online with legal guarantees and QTSP audits. Today, in order to sign documentation through digital means, it is crucial to understand the **differences between two terms that are often confused: digital signature and electronic signature**. Both are important tools for authentication and security in the digital environment, but have significant differences in terms of their technology, use and legal validity.  Are they really synonymous or are they different standards that include different features and legal backing? The quick answer is: no. **Electronic signatures and digital signatures cannot be used interchangeably as they have different characteristics**. In this article, we will explore these differences to help you better understand which option best suits your needs. ## **What is a Digital Signature** **Digital signature is an electronic authentication technique that uses cryptography to ensure the integrity and authenticity of a document or electronic message.** That is, when we talk about [**Digital Signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents), it is a method of encryption and decryption. After the signature of a document, a set of data is digitally added at the end, which **is used to make an unequivocal identification**. It is based on **public and private key technology**, where a private key is used by the signer to create the digital signature, while the public key is used by the receiver to verify the authenticity of the signature. Digital signature **is unique for each document or message and is uniquely and irrevocably linked to the signer**. This technology acts as a **kind of "box" with a password issued by a RegTech provider** validating the digital transaction. This prevents the document and the data identifying the signers and issuers of the document from being altered or modified at a later date. ## **Electronic Signature as a recognized standard: what is it?** **Electronic signature is a legal concept** that refers to any electronic method used to indicate consent or agreement to a document or electronic message by a subject (person, company...). Unlike digital signature, [**electronic signature**](https://www.tecalis.com/products/electronic-signature) does not necessarily use cryptography when it is SES for example and can include methods such as scanning a handwritten signature, the use of a **biometric signature (AES)**, or simply writing the name on an electronic document integrating a digital certificate (**QES**). **Electronic signature can be as simple or complex as the use case requires.** **The eIDAS regulation** is the norm that regulates these standards and obliges companies and users to take them into account when signing transactions according to their level of risk and the sector in which they are operating. **The regulation establishes that an electronic signature is considered to be all the electronic data that accompanies information and indicates the will of one or more signatories. Therefore**, in addition to digital signature, within electronic signature we find time stamps, audit documents, identity documentation, among other elements within an electronic signature process [**eSignature**](https://www.tecalis.com/blog/esignature-what-is-e-signature-electronic-works-esign-signatures-esignatures). In addition, advanced electronic signatures (AES) contain **end-to-end traceability systems** that ensure **non-repudiation** (that the recipient of the signature request cannot deny that it was not received) and other controls to ensure integrity such as [**time stamps.**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) ## **Digital Signature versus Electronic Signature: Which one to choose?** The techniques we have previously seen of cryptography and blockchain are the ones implemented in the case of **advanced and qualified electronic** signatures. In addition to these, there are many [**types of electronic signatures**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) as marked by eIDAS and the additional security level added by the QTSP provider sealing the transaction. It is important to understand that **the** [**online signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf) **solutions that are usually offered as digital signatures are not compatible with the legal standards set by eIDAS** and the regulatory bodies of the different countries. However, those considered as electronic signature by the EU do include all the standards of digital signatures in addition to those necessary to be considered in their advanced and qualified models. Thus, we see that **the main difference between a digital signature and an electronic signature is that electronic signature is 100% legal and binding** \- confirming an agreement between parties - while **digital signature is not intended to legitimize an act of will, but simply to encrypt data to secure the content of an electronic document.** Before deciding on a **digital or electronic signature tool**, take into account all these aspects and ask the supplier about the legal support it can provide and the audits that the tool has passed by the regulators. ## **Key differences between Digital Signatures and Electronic Signatures** The eIDAS Regulation establishes a series of requirements that advanced electronic signatures and qualified electronic signatures must meet in order to have maximum legal validity and be considered as such. **These requirements are based on three fundamental pillars: authentication, non-repudiation and integrity.** 1. **Authentication:** Electronic signature must be **uniquely linked to the signer**, so that it can be guaranteed that only one person can use it. For this purpose, different mechanisms can be used, such as the capture of biometric data, the geolocation of the signer or the information of the device from which the signature is made. In this sense, **here digital signature is responsible for validating and encrypting this data together with the content of the document** as part of the total, which would be the electronic signature itself. 2. **Non-repudiation: The** identification of the signatory associated with the sending of information must be allowed, so that he/she **cannot deny having received, opened, read or signed a document**. In this sense, Tecalis' advanced electronic signature incorporates technologies that allow a detailed monitoring of the process. 3. **Integrity:** The signature of the agreement must contain blockchain technology that allows **any subsequent modification of the same to be detectable**. Tecalis uses a public/private key system that encrypts all the documentation generated and guarantees the integrity of the data at all times by means of a Time Stamping Authority. This is another of the processes within electronic signature where digital signature plays an essential role. Therefore, we see how electronic and digital signatures intertwine to work together to give complete security and validity to any agreement made through digital means. It impacts the following areas: ### **Security Level** One of the main differences between digital signatures and electronic signatures is the **level of security they offer**. Digital signature uses cryptography to guarantee the authenticity and integrity of the document or message, which makes it more secure and difficult to forge. This implies that digital signature deals with the **technical aspect at the security level**. On the other hand, electronic signature **ensures with other methods beyond cryptography** that the process is being carried out in accordance with the standards set forth in the laws of the state in which the transaction is taking place. ### **Legal framework** Another important difference between digital signatures and electronic signatures is their legal impact. **Electronic signatures are backed by specific laws and regulations that recognize their legal validity in many countries and jurisdictions**. For example, in the European Union, digital signatures are regulated by the eIDAS Regulation, which establishes standards and requirements for advanced electronic signatures and qualified electronic signatures.  On the other hand, the legal validity of digital signature may vary depending on the country and local legislation. **As a general rule, inserting a digital signature is the equivalent of a simple electronic signature, which is not sufficient for most operations**. It is not a recognized standard. ### **Audit Trail Document** Electronic signature, which evidences compliance with an agreement or contract, is integrated into the main document of the agreement or contract. However, to ensure the legal validity and traceability of the actions performed on the document, an additional element is used: the **audit trail, audit document or evidentiary document**. This additional document functions as a **logbook that collects detailed information about each action performed on the main document in an electronic signature process**, including: * **Unique transaction identifier:** A code that allows each transaction to be individually and univocally identified. * **Name of signatory:** The complete identification of the person who signed the document. * **Your e-mail address:** A method of contact for the signatory. * **IP Address:** The geographic location from which the document was signed. * **Geolocation:** The precise physical location of the signer at the time of signing. * **Authentication history:** A record of the different stages of the signature, such as signer authentication and signature validation. * **Chain of custody:** A traceability of the document's path, from its creation to its signature and subsequent storage. * **Official time stamp:** A digital stamp that certifies the exact date and time of the signature. * **Status completed:** Confirmation that the signing process has been successfully completed. * **Encryption and time stamping:** keys to integrity and legal validity: All evidence of the transaction generated during the signature process is collected in the evidentiary document. Through an **encryption algorithm and official time stamping that works thanks to digital signature technologies**, the data integrity of the entire electronic signature is ensured, i.e. that it has not been modified since its creation. This guarantees the legal validity of the Audit Trail as irrefutable proof of who signed the document, when and where. ### **Technology Used** The technology used is also different in digital signatures and electronic signatures. **Digital signatures use public and private key technology** to create and verify the authenticity of the signature, **while electronic signatures can use a variety of electronic methods**, including handwritten signature scans, SMS OTP, biometric signatures, or simply typing the name on an electronic document and inserting it along with a qualified certificate. As a conclusion, all technologies used together in electronic and digital signatures revert to benefits such as: * Increase security and confidence in electronic transactions. * Reduce the risk of fraud and counterfeiting. * Streamline processes and improve efficiency. * Comply with legal and tax regulations. ### **About PDF conversion before esignature** An important part of the digital and electronic signature process is the conversion of documents to electronic formats such as PDF. **Thanks to solutions like Tecalis, it is no longer necessary to resort to PDF conversion tools** that will allow you to prepare electronic documents for digital or electronic signature. It is already integrated within this global tool, like **other functionalities such as automated generation and redaction of documents with GPT technology**.  Explore the different tools and techniques available to convert physical documents to PDF, edit and modify existing PDF documents can now be done directly from official tools validated by the European Union such as Tecalis, and [**digitally sign a PDF**](https://www.tecalis.com/blog/how-to-sign-a-document-with-digital-signature-digitally-pdf-word-electronically-electronically) even if you upload a word to guarantee its authenticity and security in the digital world. ## **When to use Digital Signature and Electronic Signature? Aspects in common** ### **Digital Signature** Digital signature is ideal for situations where a **high level of security** and authenticity is required, such as **legal contracts, financial transactions, and sensitive documents that require protection against forgery and tampering**. It is especially useful in business and government environments where critical documents requiring a high level of security and legal compliance are handled. Therefore, we see how in these areas the **advanced electronic signature** is used, which includes all digital signature technologies in addition to a legal support similar to a notarial process. ### **Electronic Signature** On the other hand, electronic signatures are more suitable for situations where a quick and convenient way to indicate consent or agreement with a document or electronic message is needed. **Electronic signature tools are usually complete suites where the entire contractual and document management of a business can be worked on.** It is useful in a variety of contexts and **adapts to the use case by choosing the type of electronic signature and whether or not it integrates which digital signature technologies**. **It allows all types of contracts such as leases, service agreements, application forms, and emails that require a signature to confirm receipt or agreement with specific content.** --- ## Biometric signature: characteristics and common uses **URL:** https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses **Descripción:** A biometric signature is an advanced electronic signature that allows documents to be signed with high legal certainty according to eIDAS. Security, document authentication and **high-risk digital transactions are made possible by biometric signatures**. In this context, this solution emerges as a powerful tool to **guarantee the integrity and authenticity of electronic signatures using biometric methods**. Document management is essential in any business, but some **deal with more business-relevant documents and information that entails legal or compliance risk**. This requires technologies with a higher level of security without sacrificing comfort and usability to interact with the digital world. In this article, we will explain in detail what the biometric signature is, how it works, its requirements and characteristics, and **why its use is increasingly relevant in various fields**. ## **What is a biometric signature?** **Biometric signature is a method of electronic signature that uses unique and inherent physical characteristics of an individual to authenticate his or her signature on electronic documents**. These characteristics can include features such as **face recognition**, **the way the graph is created by the hand**, fingerprint, hand geometry, **digitized handwritten signature**, **voice biometrics**, and even iris scanning or **behavioral or cognitive aspects**. The essence of the biometric signature lies in its ability to **uniquely link the signer's identity with the electronic signature**, providing a high level of security and authentication. In this way, **the biometric signature goes beyond the simple traditional electronic signature**. An irrefutable connection is created between the person and the signed document, strengthening security and trust in digital processes. All data are sealed and encrypted, preventing them from being modified a posteriori. In most cases, biometric elements related to the writing of the graph are used. It is a really simple type of electronic signature for all types of users, since **its use is practically the same as signing by handwriting on paper**, but with all the associated biometric controls.  It is very important to bear in mind that a biometric signature is not the same as a digitized signature. The biometric signature collects in the signature process biometric data of the signer while the digitized signature is simply the digital transposition of a signature-graph from a format to an electronic document. ### **How handwritten biometric identification works** Biometric identification of the signer is based on the capture and analysis of the signer's unique physical characteristics. For example, in the case of signing electronic documents, **a specialized device, such as a digitizer tablet, can be used to record the individual's handwritten signature based on their inherent behavior**. This signature is then digitized and analyzed to identify unique patterns, such as pressure exerted, writing speed, and specific strokes. In the biometric signature**, grouped data is collected on the graphic information obtained in real time on the touchscreen mobile device when the user makes the signature.** Among the dozens of data collected, the following stand out: * **Writing speed** * **Acceleration** in movements * Number of **strokes** and **behavioral logic** * **Distance** of elements and strokes * **Pressure** (on compatible devices) * **Gesture dynamics** * **Pre- and post-signing behaviors** **All this data is encrypted locally on the device on which the signature is traced (Wacom, Topaz, mobile, tablet, etc).** In an automated way, it is as if a handwriting expert analyzes every millisecond of the trajectory of the traces and the unique behavior of the signer.data are never in possession of the biometric signature platform or devices, only decryptable under judicial requirements and sealed with blockchain cryptographic technologies. Also, **all the information is stamped on the document with a validatable file**. In many cases, **the best biometric signature solutions also collect other data** such as IP address metadata, geolocation, device information, traceability coordinates and other variables. Another common method of biometric identification is **face scanning using facial biometrics**. In this case, a camera is used to capture an individual's unique face, which is then compared against a database to verify his or her identity. **There are several other biometric identification methods that can be used for electronic signatures, each with its own advantages and disadvantages**. Some of the most popular methods include: * **Fingerprint:** A method widely used for its practicality and security for quick transactions. The signer places his finger on a sensor that captures the fingerprint image and compares it with the information stored in the system. * **Face recognition**: This method uses a camera to capture the image of the signer's face and compare it with a database of pre-recorded images. It provides a seamless and secure user experience. * **Iris**: This is a highly secure method that uses a special scanner to capture the signer's iris image and compare it with the information stored in the system. It is ideal for high security environments. * [**Voice biometrics**](https://www.tecalis.com/blog/voice-biometrics-verification-digital-what-is-active-passive-types): Used especially for remote operations and transactions performed via telephone. It includes dozens of controls and can be active, passive or both. However, **the laws of dozens of countries include the biometric signature standard with the data grouped on the graphic information** we have seen previously. Something **simple and 100% legally binding and with full legal backing**. **The purpose of the data collection is to verify the identity of the signatory**. These biometric data cannot be falsified or replicated, so they are perfect to guarantee the validity of the agreement or the information contained in the document. **Biometric signature** solutions and tools **comply with data protection regulations such as the RGPD**, so there are no risks in this regard and are endorsed by institutions and regulatory bodies. ## **Advanced electronic signature biometrics-based** [**Advanced electronic signature (AES)**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) is a closely related but distinct concept from biometric signature. While biometric signature focuses on authenticating the signer through unique physical characteristics, AES refers to the **use of advanced technologies, such as cryptography, to ensure the integrity and authenticity of an electronic document**. The **biometric signature can be considered as a specific type of advanced electronic signature**, since it uses biometric features to authenticate the signatory's signature. However, not all advanced electronic signatures use biometrics as a method of authentication, and vice versa. The biometric signature **is considered a type of advanced electronic signature according to the eIDAS Regulation (EU 910/2014)**. This type of signature is characterized by offering a high level of security and trust, as it is uniquely and non-transferably linked to the signatory, allows identification and is protected against subsequent modifications to the document. ### **eIDAS regulations and legal validity** [**eIDAS Regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) **(Electronic Identification and Trust Services for Electronic Transactions in the EU Internal Market)** is a European Union legislation that establishes a legal framework for electronic signatures in all European countries and is used as a reference in other states to develop its counterpart jurisprudence.  In the context of biometric signatures, **the eIDAS regulation provides guidelines and standards to ensure the validity and legality of biometric electronic signatures throughout the European Union**. In other words, the legal validity of the biometric signature is total. ## **Biometric electronic signature requirements** For a biometric electronic signature to be valid and legally recognized, it must meet certain requirements established by regulations such as eIDAS. These requirements may vary by jurisdiction, but generally include: * **Accurate identification** of the signer through **unique biometric characteristics**. * Use of **reliable technologies and total security for the capture, storage and transmission** of the biometric signature. * **Compliance with data protection**, digital rights and privacy **regulations.** * Guarantee of **integrity and authenticity** of the document signed with [**time stamps**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature). * **Informed consent of the signatory** to use the biometric signature. **Article 25 of the eIDAS regulation grants full legal validity to biometric signatures based on the inherent information extracted from the creation of handwritten graphemes.** Thus, all courts in dozens of countries are obliged to recognize a document signed by these means as legal evidence and be admitted in legal proceedings with absolute application. ## **How to sign a document with biometric signature: steps and process** Signing a document with biometric signature is **a simple process that can be performed using an** [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **platform such as Tecalis**. Below are the basic steps to sign a document with biometric signature in Tecalis: 1. **Log in to your Tecalis account** or register if you are a new user. 2. Click on the main "**new signature**" button on the general dashboard. 3. **Choose the type of biometric signature**: click on "**handwritten**" and activate the option "**biometrics in signature**". Then click on "next". 4. **Upload the document** you want to sign into the system, choose it from your favorite online document manager or use a template. You can do it in a wide variety of formats **or write the document directly with the help of AlisGPT.** 5. **Select the type of shipment and the mode**: choose between a single shipment (parallel), sequential, bulk or an envelope with several documents. 6. **Follow the on-screen instructions** to complete the document if you want to add fields or explore the options you need in the editor. 7. **Add the signatories and the data for sending** (email, telephone, name, etc). 8. Click "continue", review the submission information and click "**submit**". 9. **You and/or the signatories will receive the biometric signature request through the chosen channel**.  10. **Open the application in the message, read the document and sign as if you were signing on paper on your favorite digital device**. 11. That's it! **You will** immediately **receive the signed document by email and you will be able to extract the Audit Trail audit document** from the platform and consult all the information related to the biometric signature. **There are more options** in Tecalis Sign to **use e.g.** [**face recognition**](https://www.tecalis.com/blog/face-recognition) **by adding KYC (Know Your Customer) identity verification of the signer.** Tecalis is the only biometric signature solution that incorporates identity verification with facial biometrics as standard and complies with the RegTech standards of a **QTSP** endorsed by the European Commission. ## **Uses and applications of advanced biometric signatures** The **biometric advanced signature has a wide range of uses and applications in a variety of industries and environments**. Its ability to uniquely link the signer's identity with the electronic signature **has opened up a wide range of opportunities in many industries where many transactions could not previously be performed remotely due to their level of risk**.  As technology continues to evolve, the biometric signature is becoming an **indispensable tool for ensuring security and authenticity in a variety of situations**. Some of the **uses of biometric signatures include**: * **Signing of legally binding contracts and agreements.** Rentals, purchase and sale, financial services, companies, security services, etc. * Identity verification in **financial, insurance and banking transactions**. * **User authentication in applications and online services**. * **Attendance registration and control** in work environments. * Security of **physical access to buildings and devices**. * Carrying out **administrative procedures** online. * **Authorization of payments** and financial transactions. * **Invoicing** processes. * Signing of **labor** contracts **or electronic payrolls**. * Deliveries and deliveries to **high value parcel delivery** companies. In summary, biometric signatures are a powerful and versatile tool for ensuring authenticity and security in electronic transactions. Its use is increasing due to its efficiency and convenience compared to traditional signature and authentication methods. With the continued advancement of technology and regulation, biometric signatures are likely to play an increasingly important role in the future of digital security. ## **Advantages of biometric signature** One of the types of electronic signature that tends to be compared to the biometric signature is the **OTP signature**, which is used in a wide variety of low- and medium-low risk cases. However, the **non-repudiation guarantees of the biometric signature are much higher**, which is essential for documents containing sensitive information and **agreements relating to financial services and other contracts that may involve litigation at any given time**. Although document integrity is assured in many types of signatures containing time stamps, the ability to unequivocally identify the signer of the biometric handwritten signature is absolute in legal terms. **Accurate handwriting information cannot be falsified and has been recognized and worked with high standards of reliability and security for decades.** **The characteristics of the biometric signature are really superior**, there is some confusion with respect to other types of [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents), whose standards do not surpass the biometric signature in any aspect. Thus, we can see all the advantages and benefits of the biometric signature as a plus beyond what is already offered by electronic signatures that are not based on inherent authentication factors. Biometric signature offers a series of significant advantages compared to other methods of authentication and electronic signature. Some of the main advantages include: * **Enhanced security:** Biometric signature utilizes unique physical characteristics of the individual, such as fingerprints or facial features, making it extremely difficult to falsify or replicate. This provides a higher level of security compared to traditional passwords or handwritten signatures. * **Accurate authentication:** Due to its nature based on unique physical characteristics, the biometric signature offers more precise and reliable authentication of the signer. This significantly reduces the risk of identity theft and fraud. * **Convenience and accessibility:** Unlike passwords or PINs, which can be forgotten or lost, the individual's biometric characteristics, such as fingerprints or face, are always available and easy to use. This makes biometric signature convenient and accessible for a wide range of users. * **Speed and efficiency:** Capturing and verifying a biometric signature can be done within seconds, speeding up authentication and electronic signature processes. This is especially useful in environments where quick identity verification is required, such as financial transactions or attendance records. * **Regulatory compliance:** In many cases, biometric signature complies with the security standards and regulations established by organizations and government entities, making it an attractive option for companies and organizations that must comply with strict regulatory requirements. Biometric signature offers a unique combination of security, accuracy, convenience, and regulatory compliance, making it a valuable tool for authenticating identities and ensuring the integrity of electronic transactions. --- ## OCR: What is Optical Character Recognition? **URL:** https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online **Descripción:** Optical Character Recognition (OCR) is a system that recognizes and converts text and files for professionals and individuals. Check this top list. **Text is the main element we work with on a daily basis** and OCR is one of the allies to speed up this burden. When we come across **non-editable (and non-selectable) text, it** seems that we have no choice but to rewrite it "by hand", however, **OCR technology can help us do this in seconds and without errors**. Today, the possibilities offered by tools using artificial intelligence are virtually limitless, and optical character recognition (OCR) was not to be left behind. This computer technology is of **growing interest to both individual users and businesses as we** move closer to a zero-paper world.  In this article, we will explain in detail what OCR is, how it works, the different types of OCR systems available, as well as the best free applications for both users and businesses. We will also examine **specific use cases for OCR in enterprise environments and highlight other related systems that complement this technology.** ## **What is OCR (Optical Character Recognition)?** OCR (**_Optical Character Recognition) is a_** computer system for **digitizing text**. The purpose of these software programs and applications **is to convert images and other non-indexable files containing textual information** from scanned, camera-captured or non-editable formats of all kinds to extract editable text files. **It uses advanced algorithms to recognize and analyze character patterns in an image and then convert them into digitizable text, regardless of the typeface or calligraphy used**.  OCR is essentially an **automation tool that allows users and companies to process large quantities of documents** efficiently and accurately. In short, this process transforms images into data that can be analyzed, processed, processed, stored and searched efficiently. ### **How OCR works: image to text conversion** An OCR functions as a digital "translator" that **interprets the shapes of letters, numbers and symbols present in an image and identifies them among "noise"**, converting them into characters that machines can understand. The operation of OCR involves several steps. First, the system acquires an image of a document, either by scanning it, capturing it with a camera, or by collecting a non-text digital file. It then uses **pattern recognition algorithms to identify and distinguish between individual characters in the image**.  OCR algorithms use binarization and characterization to start the recognition process. They are based on three **IPA principles: completeness, intencinoality and adaptivity**. Not all are capable of doing so, but second generation OCRs based on zonal ORC support **adaptive and reconstruction technologies** that allow **information** to be **extracted, created, processed and readapted for various uses**. After this, OCRs fragment and segment the images in order to create histograms of the images (in mode determinations or clustering) and thin the components to be analyzed independently by comparing them with the patterns according to the different methods (geometric, statistical, structural, neuromimetic, Markovian or Zadeh). The process is similar for handwritten text recognition (where ICR tends to be used) and typed text recognition. Once the characters are recognized, OCR converts them into editable text by matching them to a database of known character shapes. This process may involve **analysis of character layout and consideration of context to improve conversion accuracy**. In addition, **the best OCR systems and tools are capable of understanding the layout** of individual blocks of text, giving logic to their location on a canvas and hierarchizing them, well beyond exporting them as simple ASCII text. They **can also format (bold, italics, underlines, lists, tables, diagrams, etc.)**. The OCR process is based on a series of basic steps: 1. **Image acquisition**: The image can come from a scanner, camera, or from a cell phone or computer. 2. **Preprocessing**: Image quality is improved to facilitate recognition by adjusting contrast, brightness and eliminating noise. 3. **Identification**: Location and location of text within the input file. 4. **Segmentation**: The image is divided into individual characters. 5. **Characteristic extraction**: The characteristics of each character, such as shape, size and texture, are analyzed. 6. **Recognition**: The extracted features are compared with a database of known character patterns. 7. **Post-processing**: Any recognition errors are corrected and the resulting text is formatted. **Processing**: This step is optional and can be of many types, with the user or the company deciding how it analyzes and for what purpose it uses the information extracted in an intelligent and automated way. ### **Types of OCR systems** There are several types of OCR available, each with its own specific features and applications. The main types include **basic OCR, advanced OCR and machine learning OCR**. Basic OCR is suitable for **converting simple documents with a clear structure**, while advanced OCR is capable of **handling more complex documents with varied layouts and multiple fonts**. On the other hand, machine learning OCR uses **artificial intelligence techniques to improve character recognition accuracy through training with large data sets**. We find different types of OCR systems that we can also categorize according to the technology they use: * **Pattern-based OCR:** This type of OCR compares image features against a database of predefined patterns. It is the simplest and least accurate method. * **Word OCR**: It is similar to the previous one but it tries to work on the understanding of the elements with whole words instead of individual characters. * **Neural network-based OCR:** This type of OCR uses artificial neural networks to learn to recognize characters. It is more accurate than pattern-based OCR, but requires a larger amount of data to train the neural network. * **Intelligent OCR:** This type of OCR combines traditional OCR techniques with artificial intelligence and machine learning to improve recognition accuracy. It is also referred to as IRC for Intelligent Character Recognition. It can recognize different fonts, document formats and even process data based on the languages detected. Finally we find another way to **categorize the types of OCR by the usage model** or the way the user accesses it. We find **online OCR applications that work through a website** where we upload a document and it returns a text box. Useful but with few possibilities. On the other hand we have the **integrated tools of the operating systems themselves**, oriented to help users. For professional use, the **enterprise OCR systems** developed by RegTech partners in **SaaS** model stand out. Similarly, these technology providers also **adapt these systems to the needs of business customers** by integrating this technology through **APIs** for various **use cases in multiple industries**, which are described below. ## **The best free OCR applications for users** For individual users looking for **affordable and easy-to-use OCR tools,** there are several free applications available on the market. Some of the best options include Adobe Scan, CamScanner and Google Keep. These applications offer **basic OCR functions**, such as converting images to text and editing scanned documents like a basic text editor. ### **PDF documents, images and OCR text in Windows** In the Windows environment, there are several **built-in and third-party options** for OCRing PDF documents, images and text. **Microsoft Office**, for example, offers OCR capabilities in Word and OneNote, allowing users to convert text images into editable documents with some reliability.  **Windows 10 and 11 incorporate an integrated OCR in the Photos application and in Snippets**. With this tool, you can easily convert images to text. ### **OCR software to convert documents on MacOS** In the MacOS ecosystem, users can take advantage of **built-in tools such as Preview and Automator to perform OCR on PDF documents and images**. In addition, third-party software such as Readiris and PDFpen offer easy OCR functionality for Mac users. ### **Image to text and OCR recognition on Android & iOS** In mobile devices we find more and more **native options as operating system functionality** that allows us to recognize searchable text and copy it for further editing. These include Google Lens, integrated into Google Search, which allows us to identify objects, translate languages and extract text from images, Text Scanner (OCR), which integrates the system for scanning documents, receipts, business cards and converts images to text, and Microsoft's Office Lens, ideal for converting documents to PDF, Word or PowerPoint. In iOS for iPhone and iPad we can find the Notes tool, Apple's native notes application that includes an integrated OCR. ## **Best OCR systems for businesses** In all companies we see how there are dozens of **information-related workflows** that work with data and text, especially in **business** operations **and everything related to customer, finance, accounting and human resources**. Apart from the basic functionalities that individual users need on a daily basis, the importance of OCR in companies is focused on **extracting, understanding and categorizing the different information collected and knowing what type of document it is: an** [**electronic invoice**](https://www.tecalis.com/blog/electronic-invoice-e-invoicing-digital)**, a contract, legal documentation, forms, identity documentation, a deed, etc.** Previously, there were **departments dedicated to manually handling and intervening in processes related to data collection, storage and processing**. In many other cases, **employees from different business areas of a company** invested a considerable percentage of hours in this type of tasks, even though it was not their main activity but a direct consequence of their tasks and workflows. For companies looking for robust and scalable OCR solutions, there are several systems available on the market that offer **advanced OCR capabilities, as well as additional features such as document recognition and validation, integration with document management systems, and automation of business processes of all types using** [**RPA (Robot Process Automation)**](https://www.tecalis.com/products/rpa-automation) **technology**. ### **Second generation OCR: document recognition and validation** Second generation OCR goes beyond the simple conversion of images to text and focuses on the **recognition and validation of complete documents with data processing associated with the recognition of other elements in the inputs**. These systems use **advanced natural language processing and machine learning techniques to understand the content and context of documents**, allowing for **greater accuracy in recognition, processing and** information **extraction.** Tecalis provides systems that **allow both structured and unstructured data to be processed with Zonal OCR.** Second-generation OCR makes it possible to verify the authenticity of documents such as invoices, IDs and passports **without the need to specify the type of document in advance.** Relevant document data, such as names, dates, addresses and numbers, can be automatically extracted and stored in a structured format. In addition, the technology **incorporates dozens of** [**anti-fraud checks**](https://www.tecalis.com/products/anti-fraud-controls) **that make it possible to assess that the documentation provided is not forged or altered**. These include, for example: * NFC reading. * Serial number of the bracket. * Reading and validation of the MRZ connecting with public and private databases.  * CLI and bas-reliefs. * Die-cutting and embossing in high relief. Safety offset backgrounds. * Integrity of the microchip and other elements. * Watermarking, extraction of non-textual elements such as images, logos, etc. * Recognition and validation of holograms. * Natural shines and reflections, textured material. * Optically variable inks and UV inks. * Laser engravings on transparent window. * Depth scale and three-dimensional environment. * Daylighting controls. * Security backgrounds and microtexts. * Kinegram. * Alignment of text and elements. Sharpness and color. * Extraction and verification of handwritten signature, if any. These are just a few basic examples of what is checked beyond text. On the other hand, **unstructured data that is not in a predefined format, such as images, PDF documents and e-mails, is interpreted with predefined logics to prepare it for rapid subsequent use**. Second-generation OCR can convert this unstructured data into structured data, making it easier to store, analyze and use. ## **OCR use cases in companies** OCR has a **wide range of applications in enterprise environments in all areas (customer, back-office, human resources, finance, compliance, risk, etc.)**, from process automation to document management and improving operational efficiency. Some common use cases include: ### **Digital Onboarding** Used to digitize and process ID documents and forms during the **onboarding** process of **new employees, customers and companies**, associating it with [**identity verification**](https://www.tecalis.com/products/identity-verification) and KYC controls. OCR is used to automate the verification of identity documents and the **extraction of customer data during the online or face-to-face onboarding process**. Address verification, age verification, AML and other associated systems are also included. ### **Automated matching, powers of attorney and KYB** Facilitates the **verification and validation of legal documents, such as powers of attorney and contracts**. **Powers of attorney** can be digitized and validated by OCR, streamlining the document management process and facilitating the [**Know Your Business**](https://www.tecalis.com/blog/kyb-know-your-business) **process**. ### **Documentation processing** It allows the automatic extraction of data from **business documents, such as invoices and application forms, for further processing and analysis**. This Optical Character Recognition (OCR) technology is especially used for [**Due Diligence**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) processes of customers, companies, suppliers, etc. OCR can automate the extraction of invoice data, such as supplier, amount and date, simplifying accounting and expense control, among many other applications. ### **Banking, telecommunications, utilities, real estate, health and logistics**  The use of Optical Character Recognition (OCR) in various industries has significantly transformed business processes, offering a wide range of benefits and advantages. In addition to the previously mentioned sectors such as banking, healthcare and logistics, other industries such as real estate, telecommunications, insurance and utilities have also benefited from this innovative technology. In the **real estate industry**, OCR has been instrumental in streamlining the management of documents related to **real estate transactions, leases, deeds and other legal documents**. For example, real estate agencies use OCR to digitize and process **leases, property IDs and other legal documents efficiently**. This not only speeds up the transaction process, but also reduces errors associated with manual data entry, thus improving accuracy and customer satisfaction. In the **telecommunications industry**, OCR is used to manage **service contracts, invoices, customer records and other documents related to the provision of telecommunications services**. For example, telecommunications companies use OCR to automatically scan and process customer invoices, which streamlines the billing process and reduces associated administrative costs. The best [**OSS/BSS systems**](https://www.tecalis.com/blog/oss-bss-operational-and-business-support-systems-what-is-difference-telecommunications) such as Customer Hub include this system. The **insurance** industry benefits from OCR to **process and manage insurance claims, policies, certificates and other industry-related documents**. For example, insurance companies use OCR to digitize and process claim forms automatically, which **speeds up the claims settlement process and improves the customer experience**. In the utilities industry, OCR is used to manage utility bills, service contracts, **meter readings and other documents related to utility service delivery**. For example, utilities use OCR to automatically scan and process bills, which streamlines the billing process and reduces associated administrative costs. Tecalis offers a range of services that can help companies implement and make the most of OCR in their daily operations. **Tecalis KYB and OCR** uses machine learning (ML) and OCR to automatically extract text, handwriting and data from scanned documents such as PDF files and their **full validation according to market and industry standards**. With the ability to read thousands of different documents in various layouts and formats at high speed, this service provides an efficient and accurate solution for document management. **Tecalis offers APIs** that allow text to be extracted from images and videos, making it easy to extract information from visual sources such as traffic signs, social media posts and product packaging. This large-scale image and video processing capability can significantly improve human visual review tasks with artificial intelligence, thereby increasing operational efficiency. **In banking, we see how they are used for dozens of** [**fraud prevention**](https://www.tecalis.com/blog/fraud-prevention-solutions-detection-software-mechanisms-companies-advice-bank-financial-laws-services) **processes and to improve the security of transactions such as eIDAS**, among many other applications in the industry as we have seen previously. In the **healthcare sector**, hospital records, medical records, health questionnaires, informed consents, etc. are processed. Finally, in logistics and supply chain, OCR records and tracks package label tracking, receipts and digital invoice processing. ## **Other OCR-related systems** In addition to OCR, there are other **related systems that complement this technology and extend its capabilities**. These include optical recognition of non-textual elements such as trademarks, logos, watermarks, symbols, images, vehicle license plates... Likewise, there are RegTech applications that combine this technology and expand its use, giving rise to a **wide variety of use cases and new opportunities for businesses.** * **Electronic signature:** Used to sign documents digitally and securely, it complements OCR by allowing the validation and authentication of electronic documents. * **Data collection:** Enables automated data collection from scanned or digitized documents, facilitating data-driven analysis and decision making. * **Fraud and risk analysis:** Uses advanced analysis techniques to detect patterns and anomalies in documents and transactions, helping to prevent and mitigate fraud and business risk. * **Anti-fraud controls**: Implements security and validation measures to protect against fraudulent activity, including identity verification and counterfeit document detection. * **Customer Hub**: Enables the automation and digitization of dozens of point-of-sale processes in businesses of all types, but especially in banking, insurance and telecommunications. Its ability to convert unstructured data into useful information opens up **a world of possibilities for process automation, efficiency improvement and strategic decision making**. By **combining OCR with other related systems, organizations can take full advantage of this technology to optimize their operations and achieve improved performance.** ### **Benefits and advantages of using OCR** The use of Optical Character Recognition (OCR) systems offers a wide range of benefits and advantages **for both individual users and businesses**. These benefits include: * **Process automation**: OCR systems automate data entry by converting physical documents into editable digital formats. This **significantly reduces the time and resources required for manual data entry**. * **Improved accuracy**: Unlike manual data entry, which can be subject to **human error**, OCR provides much higher accuracy in character extraction and recognition. This helps minimize errors and ensures data integrity. * **Cost savings**: By reducing the need for manual labor for data entry tasks, OCR systems help companies save on **operational costs and employee time**. In addition, by eliminating human error, potential costs associated with error correction are avoided. * **Increased efficiency**: By processing large volumes of documents **quickly** and accurately, OCR systems increase operational efficiency. This enables companies to process information faster, **reduce processing times and make data-driven decisions more quickly**. * **Quick access and search for information:** By converting physical documents into digital files, OCR facilitates quick access and search for information. Users can search for keywords or specific phrases within digitized documents, speeding up the retrieval of relevant information. * **Integration with existing systems:** OCR systems are typically **compatible** with a variety of existing systems and applications, making them easy to **integrate into the business workflow for all types of customer-related processes or internal business operations**. This allows companies to make the most of their existing technology investment. * **Increased data security:** When scanning physical documents, OCR helps improve data security by reducing the risk of document loss or theft. In addition, OCR systems often offer encryption and data protection options to ensure the security of sensitive information. * **Facilitates regulatory compliance:** In many industries, such as **finance, telecommunications and legal**, there are strict regulatory compliance requirements for **document management and storage**. OCR systems facilitate compliance with these regulations by enabling more efficient and accurate document management. In summary, the use of OCR systems provides a number of significant benefits, ranging from process automation and cost savings to improved data accuracy and security. By taking advantage of these benefits, companies can **optimize their operations and improve their competitiveness in the marketplace**. --- ## Power of Attorney Verification and how to automate it **URL:** https://www.tecalis.com/blog/notarization-power-of-attorney-verification-validation-what-is-powers-meaning-banking-example-documents **Descripción:** Power of attorney is a document that accredits - thanks to notarization and verification - a person to act and represent an entity. In the legal, financial and banking areas, notarization plays a crucial role in the **verification and authentication of powers of attorney granted to individuals** or entities to act on behalf of others. Increasingly, **B2B** (business to business) and B2G (business to government) **processes and transactions need to be validated**. The **risks of fraud and other** illegitimate **situations** can be really damaging in this type of processes and procedures, so it is important to perform **reliable checks prior to the execution of contracts or transactions**. In this article, we will explore in detail and in great depth what is involved in the power of attorney verification, notarization meaning, how it is carried out manually and automatically, as well as its relevance in different legal and financial contexts. ## **What is power of attorney verification and notarization** **Power of attorney and notariation are documentation verification processes that guarantee the authenticity and validity of the powers granted** to one or more persons or entities to act on behalf of other persons or entities. Also referred to as power of attorney verification, this process determines that **the person performing a transaction or operation on behalf of another has sufficient power to carry out this action with the consent of the other parties involved**. In its most precise essence, the **meaning of notarization is the verification and validation of legal documents, specifically powers of attorney**. This process ensures that the powers of attorney conferred to an individual or entity **are authentic, have not been altered and are in compliance with applicable laws and regulations**.  The main purpose of the power of attorney notarization is to **prevent fraud and to guarantee the legitimacy of actions performed on behalf of third parties**. In this way, it is reliably verified that **a person or entity** has been **authorized to act on behalf of another, legal or otherwise, in legal, financial or commercial matters**. This process ensures that stakeholders can have confidence in the legitimacy of the powers conferred and make informed decisions based on that confidence. Thus, the verification of powers of attorney is a **legal and administrative process** that is performed before a transaction or operation of relative importance takes place. It is a crucial step to ensure legal certainty in transactions and to protect the rights of the parties involved in the future agreement or action. In the legal context, the notarization of powers of attorney refers to the **verification that the powers or powers of attorney conferred to a representative are sufficient** for him to perform a certain act or procedure on behalf of his principal, since **these powers may confer authority to perform a certain act or procedure but not others**. ## **How to perform power of attorney notarizations** The power of attorney verification process involves a **thorough review of the relevant legal documents, such as notarial deeds, powers of attorney and any other documentation related to legal representation**. In layman's terms, **notarizations corroborates the authenticity of the signatures, performs an** [**identity verification**](https://www.tecalis.com/products/identity-verification) **of the parties involved, the date the power of attorney was granted and any other relevant details according to** local, regional and international **laws as the** case may be. The notarization **of powers of attorney can vary by jurisdiction** and regional practices, but generally involves a thorough review of the relevant legal documents as mentioned above. **Legal RegTech professionals, such as notaries, lawyers or qualified trust service providers**, usually perform the notarization, checking every detail of the document and ensuring that it complies with the established legal requirements. **Manual document review is a laborious and error-prone process**, especially when dealing with **large volumes** of documents **in companies with many B2B operations**. However, with advances in technology**, proxy reviews have become more efficient and accurate through the use of automation tools and specialized software**. ## **Steps in the process and procedure of the fairing process** As mentioned above, **the power of attorney notarization procedure varies according to the country**, the region and the **nature of the act or procedure to be carried out after this notarization**. It is also **different according to the organization, institution or company requesting the execution** of this procedure: financial and banking institutions perform it in a different way than some regional administrations (they differ in the level of requirements and the way in which the documents are presented). However, in general, and as a general summary, **the steps to be followed in the process of granting powers of attorney are the following:** ### **Stage 1: Granting of power** **1\. Choice of the type of power of attorney:** The principal must choose the type of power of attorney he/she wishes to grant to his/her agent. Although this process does not really fall within the so-called "power of attorney verification", it must be done and lays the groundwork for the checks to be carried out. * **General Power of Attorney:** Allows the representative to act on behalf of the principal in a wide range of matters. * **Special Power of Attorney:** Allows the representative to act on behalf of the principal in a specific matter. **2\. Drafting the power of attorney:** The power of attorney must be in writing and must contain the following information: * **Data of the principal:** Tax and identity information of the issuer of the power of attorney. * **Data of the representative:** Complete information of identity and taxation of the attorney-in-fact or representative. * **Powers conferred:** Description of the powers granted to the representative. * **Place and date:** Place and date on which the power of attorney is granted. **3\. Signature of the power of attorney:** The power of attorney must be signed by the principal. * **Signature before a notary:** If the power of attorney is granted before a notary, the notary will attest to the identity of the principal and the capacity of the principal to grant the power of attorney. * **Signature before a public officer:** If the power of attorney is granted before a public officer, the latter will attest to the identity of the principal. * **Private signature:** If the power of attorney is granted between private individuals, the principal must sign the power of attorney in the presence of witnesses. ### **Stage 2: Presentation of the power of attorney** **1\. Initiation of the process at the entity or authority:** The representative must present the power of attorney to the entity, company or authority before which he/she wishes to act or with which he/she wishes to carry out a transaction. **2\. Request for notarization:** The representative must request notarization of the power of attorney with the entity or accept the request for notarization by the organization that wishes to verify its veracity. **3\. Documentation to be submitted:** The representative must submit the following documentation: The original power of attorney signed by the principal, documentation of the representative's identity and, in some cases, organization or company may request additional documentation as part of the [**due diligence process**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced). ### **Stage 3: Verification of the power of attorney. Notarization process.** **1\. Verification of the authenticity of the power of attorney (notarization):** The entity or authority will verify the authenticity of the power of attorney with all the [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) provided by its RegTech partner. * If the power of attorney was granted before a notary, the signature of the notary shall be verified; if it was granted before a public official, it may be consulted in governmental databases or with the methods communicated by the issuing agency; and if it was delivered between private individuals, the signatures of the principal and those of the witnesses shall be verified. **2\. Verification of the representative's capacity:** It will be verified that the representative has the legal capacity to act on behalf of the principal. For this purpose, fast technologies for automated reading of documentation provided by official QTSP partners can be used, for example. **3\. Verification of the powers conferred:** The company or institution shall verify that the powers conferred to the representative are sufficient to carry out the act or procedure to be performed. ### **Stage 4: Power validation** **1\. Communication to the representative: The** representative will be informed whether the proxy is valid or not, with differences between the results: * **Valid power of attorney notarization:** If the power of attorney is valid, the entity or authority will give its approval and the representative will be able to carry out the act or procedure on behalf of the principal. * **Invalid power of attorney notarization:** If the power of attorney is invalid, the procedures and transactions cannot be carried out and a secondary verification process will be initiated to analyze the causes of the KO. The **terms and time** it takes for the notarization process may vary depending on the entity or authority to which the power of attorney is submitted, especially if it has or does not have [**RegTech technologies**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) **to speed up this process**. In the same way, the **cost of the power of attorney notarization process may also vary depending on the tools available to the validating personnel**. ## **What the power of attorney verifications are for** Powers of attorney are essential to ensure security and legitimacy in a wide range of legal and financial transactions. They **allow the parties involved in a contract, transaction, operation or agreement to be certain that the person acting on their behalf is duly authorized, is who he or she claims to be and has the necessary powers to do so**. In addition, a Quantification helps prevent potential future litigation by **ensuring that all parties are in compliance with legal requirements**. Power of attorney notarizations are **essential in a wide variety of legal and financial transactions, as well as in everyday situations where legal representation is required**. Some common examples of situations where power of attorney is used include: * **Property transfers:** Before transferring ownership of real estate, it is necessary to verify that the seller has the legal powers to do so. * **Banking transactions:** Banks usually require a power of attorney before allowing a legal representative to carry out transactions on behalf of a company or individual. * **Management of legal matters:** In legal proceedings, it is crucial that lawyers have the necessary powers to represent their clients in a legal and valid manner. In short, power sums are critical to ensure security and legitimacy in a variety of transactions across industries.  ### **Examples of power of attorney verifications** A common example of notarization is when a company grants powers of attorney to an attorney or legal representative to **act on its behalf in legal proceedings**. Before the attorney can take any legal action on behalf of the company, the powers granted must be properly verified and confirmed through the notarization process. Another concrete example of a power of attorney notarization is **when a company grants power of attorney to a lawyer to represent it in a legal proceeding or to an employee to perform actions on its behalf**. Similarly, when an individual grants a power of attorney to a legal representative to carry out a banking transaction on his or her behalf, notarization is required. Before the representative can carry out the transaction, the powers of attorney conferred must be corroborated by notarization by the bank to ensure their authenticity and validity. In general, **power of attorney verifications are used in a wide variety of situations**, such as: * **Purchase and sale of real estate:** The buyer may grant a power of attorney to a representative to sign the purchase contract on his behalf. * **Opening a bank account:** The account holder may grant a power of attorney to a representative to manage the account on his or her behalf. * **Representation in a lawsuit:** The plaintiff or the defendant may grant a power of attorney to an attorney to represent them in a lawsuit. * **Grant application:** The beneficiary of a grant may grant a power of attorney to a representative to carry out the necessary procedures to obtain the grant. ### **Banking Notarization** Banking notarization is an important subset of general notarization, which **focuses specifically on the validation of powers of attorney related to financial and banking transactions**. In this example of power of attorney validation, banks typically require **documentation and identity verifications before allowing a legal representative to perform transactions on behalf of a company or individual**, such as: **opening accounts, signing contracts or making fund transfers**. In this way, the **bank audit** is particularly relevant in the **context of fraud prevention and the protection of the financial interests of the parties involved, being closely related to AML (Anti-Money Laundering) processes and** [**KYC (Know Your Customer) forms**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data)**.**  By verifying the authenticity of powers of attorney, banks can mitigate the risks associated with financial transactions and ensure regulatory compliance at all times. In the BFSI (Banking, Financial Services and Insurance) arena, power of attorney notarization is an especially important and **labor-intensive** process **in B2B banking that requires a lot of staff and work from agencies providing power of attorney verification services**. Banks need to verify the identity and capacity of people acting on behalf of their clients to prevent fraud and protect their interests. Fortunately, they **now have the ability to do this in an automated way thanks to RegTech solutions with AI, OCR and KYB**. ## **AI and KYB-based automated notarization and power of attorney verification** In the digital age, notarization has benefited greatly from automation and the use of advanced technologies such as artificial intelligence (AI) and [**Know Your Business (KYB)**](https://www.tecalis.com/blog/kyb-know-your-business). These tools enable **fast and accurate verification of the authenticity of the documents and identities involved, significantly streamlining the notarization process and reducing human error and improving the costs of each power of attorney notarization procedure**. Artificial intelligence is used to **analyze and compare large volumes of data quickly and efficiently, identifying possible inconsistencies or irregularities in legal documents and powers of attorney**. On the other hand, KYB provides an **updated and reliable database of companies and legal entities**, facilitating the verification of the identity and legitimacy of the parties involved in the notarization process. The **combination of KYB and automated proxy matching** offers a **comprehensive solution** for companies, institutions and organizations that need to regularly verify the authenticity of the proxies granted to the people with whom they interact and operate, whether as **customers, users, suppliers or partners**. By integrating KYB into automated notarization systems, companies can **perform a thorough verification of the identity and legitimacy of the parties involved in a matter of seconds**. The automated proxy matching process uses intelligent algorithms to analyze and compare large volumes of data and documents quickly and accurately. ### **Processing of documentation in notarizations with 2****nd** **Gen OCR tools** **Automated document processing plays a crucial role in proxy gathering**, enabling the **rapid review and validation of large volumes of documents in an efficient manner**. Automated processing systems use intelligent algorithms to **automatically identify, validate and verify relevant information**, reducing the time and resources required to perform the notarization. These systems can **analyze documents in various formats, such as PDF files, scanned images or electronic and digitally signed and sealed documents**, extracting key information such as names, dates, deed numbers, signatures, certificates and **all types of structured and unstructured data**. The **extracted information is** then **compared with internal or external databases to verify its authenticity and accuracy**. This automated approach not only speeds up the batch processes, but also minimizes the risk of human error and **ensures consistency in the application of policies and procedures**. Automated document processing is **especially beneficial for companies and organizations that handle large volumes of legal documents, such as banks, public institutions, insurance companies, law firms and financial services companies**. By eliminating the need for manual review, these systems enable companies to increase their processing capacity, improve accuracy and reduce the operational costs associated with power-of-attorney processing. **Document Processing Automation (DPA)** is a technology used to extract data from documents automatically and powered by [**OCR**](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online) tools. This technology can be used to extract the data necessary for the notarization of documents such as powers of attorney, powers of attorney apud acta and private powers of attorney, and **includes dozens of additional functionalities for the collection, processing and storage of data and information thanks to second-generation OCR systems**. Some examples of documents that may be subject to sufficiency are: * **Powers of attorney:** These are powers of attorney granted before a notary public and usually require exhaustive verification to ensure their authenticity and validity. * **Powers of attorney apud acta:** This refers to powers of attorney granted before a public official, such as a court clerk or registry officer, and must also be properly verified. * **Private Powers of Attorney:** These are powers of attorney made between private parties, such as contracts of legal representation between individuals or companies. * **Deeds:** Legal documents that record ownership or rights to real estate, and may require notarization to confirm the authority of the signatories. * **Identity documentation of all types:** Including government-issued identification documents such as passports, driver's licenses and identification cards. * **Tax Forms:** Documents related to tax filing that may require specific powers of attorney to act on behalf of a taxpayer. * **Property records:** Documents that certify the ownership of real estate or property and that may be subject to appraisal to validate related transactions. * **Documentation related to the represented company:** Such as articles of incorporation, bylaws, and other legal documents that support the authority of the legal representatives to act on behalf of the company. * **Commercial contracts:** These formalize agreements between two or more parties, such as leasing contracts, purchase and sale contracts or business collaboration agreements. The notarization of these contracts guarantees that the parties involved are duly authorized. * **Wills and estate documents:** They establish how a person's property and assets will be distributed after his or her death. The probate of these documents is essential to ensure that executors and beneficiaries are properly authorized and that the process of distribution of the estate is carried out in accordance with the law. * **Legal representation documents in court proceedings:** These documents must be notarized to ensure that lawyers are duly authorized to act on behalf of their clients in court. * **Special power of attorney documents: These** documents grant specific powers of attorney for specific actions, such as the sale of real estate or representation at a shareholders' meeting. ## **Electronic signature on power of attorney notarization** Integration of [**electronic signatures**](https://www.tecalis.com/products/electronic-signature) on power of attorney forms has further reformulated this process. Electronic signatures offer a secure and convenient way to validate legal documents remotely, eliminating the need for physical documents and **simplifying the management of powers of attorney in digital environments**. Electronic signatures are also playing an important role in the automation of the notarization of powers of attorney, as they **allow representatives to sign powers of attorney digitally, without the need to go to an office or sign on paper and with direct validity in notarization processes thanks to signatures such as** [**biometric signatures.**](https://www.tecalis.com/es/blog/firma-biometrica-que-es-avanzada-electronica-digital-usos) Biometric electronic signatures are **legally binding in many countries and are backed by specific laws and regulations that guarantee their validity and authenticity, and are used directly in authentication processes**. In this way, companies and institutions can streamline the administrative procedures related to notarization, reduce the costs associated with document management and improve the experience by offering a faster option that boosts processing times. ## **Regulation and power of attorney verification and notarization laws** It is important to note that **power of attorney validation is subject to specific regulations and laws that vary from jurisdiction to jurisdiction**. It is critical for companies and legal professionals to keep up to date on **relevant regulations and comply with applicable legal requirements in each case**. Failure to comply with these regulations can have significant legal and financial consequences, including fines, penalties and legal action. Laws related to power of attorney and notarization can address a variety of issues, such as **signature requirements, validity of notarized documents and identity verification procedures**. In many countries, notarization is **regulated by government agencies or regulatory bodies that set standards and procedures to ensure the integrity and legality of the process and is referred to RegTech and QTSP players for validation**.  In addition to general laws, there are other **specific norms that regulate the appropriation of power in certain sectors**, such as, for example: * **Securities Market Law:** Regulates the granting of proxies for representation at general shareholders' meetings. * **Companies Law:** Regulates the power of attorney for representation in the governing bodies of capital companies. * [**eIDAS**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet) and eIDAS 2: Defines how electronic transactions should be carried out and sets the correct standards for reliable identity verification, as well as electronic signatures within powers of attorney. * **AML6**: Obliges companies to carry out due diligence processes prior to certain financial transactions to combat money laundering and terrorist financing. It is important to consult the specific regulations applicable in each case to determine the requirements and procedure for the power of attorney validation, verification and notarization and **consult your trusted service partner to apply the most optimal digital techniques to comply with the regulation while optimizing the process to the maximum.** --- ## What are smart contracts: how they work and use cases **URL:** https://www.tecalis.com/blog/smart-contracts-contract-what-are-for-examples-type-advantages-work **Descripción:** Smart contracts are self-executing computer systems that register and seal an agreement between two or more parties. Smart contracts are an innovative **technology based on blockchain and digital signature** that has revolutionized the way **digital transactions are carried out**, streamlining **both simple and complex operations**. In the digital age, where **automation and efficiency** are key, smart contracts are a revolutionary tool for **managing fast automated deals and transactions**.  These computer programs and their associated tools make it possible to automate the execution of contracts in a secure, transparent and efficient manner. In this article, we will explore in detail what smart contracts are, how they work, their uses and applications in different sectors, as well as the **benefits they offer to users and businesses**. ## **What are smart contracts?** **Smart contracts are autonomous computer programs designed to automatically execute and enforce digital agreements without the need for intermediaries**. These smart contracts are **written in code** and run on a **blockchain network**, which guarantees **transparency, security, immutability and reliability** of transactions. On the other hand, a smart contract is a set of sentences involving commands to be performed (in compliance with a previously agreed upon agreement). Smart contracts are **self-executing**. This means that they are automatically triggered **when an action takes place**. They are designed to automate and enforce digital agreements, usually signed through an appropriate [**electronic signature**](https://www.tecalis.com/products/electronic-signature) standard, in a secure and reliable manner.  It is executed in a **decentralized and distributed network of nodes** (blockchain) that guarantees transparency and immutability of transactions. It is a **set of codes that defines the rules and conditions of an agreement between two or more parties**, and is **automatically triggered (triggers) when a series of predefined conditions are met**. We can also speak of a smart contract when **an action triggers a consequence**. This is in general for any type of software that works under blockchain rules. It is an automation (sometimes performed with **RPA automation technology**) that acts as a trigger to execute operations in companies for example (in business systems and tools and commercial channels such as ERPs, CRMs, BSSs, etc). ### **Blockchain: the smarter way to execute a contract or agreement** Blockchain technology is the fundamental basis for smart contracts. A blockchain is a **decentralized and distributed digital registry that securely records all transactions in a network**. The smart contract is executed in this environment, which ensures that the **agreed terms are fulfilled automatically** and **without the intervention of third parties**. In this way, the **blockchain network acts as an immutable digital ledger** that records all transactions made between two parties. Smart contracts, on the other hand, are made within this blockchain and **use its infrastructure to automatically verify and enforce the terms of a previously defined contract that has been signed by the parties by** [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents). The most important feature of the blockchain in this context is its decentralized nature, which means that **there is no central authority controlling or supervising transactions**. Instead, **trust and responsibility are distributed among all participants in the network**, ensuring the integrity and security of smart contracts, as well as non-repudiation. We should also mention the concept of **smart property**, which is controlled and used through the use of smart contracts. It has to do with the tokenization of **physical and digital assets, such as real estate, artwork or vehicles, converting them into digital tokens with contract** that can be exchanged and transferred efficiently on the blockchain (in smart contracts).  This democratizes access to investment in high-value assets and **facilitates the division of ownership among multiple owners**. It is like attaching a unique tag or unalterable chip that **seals the smart contract** to **associate a property to an owner**. All the features of blockchain, such as decentralization, transparency and interoperability, allow **smart contracts to be trusted and transparent**. ## **How does a smart contract work?** Smart contracts work through a **set of predefined rules and conditions that are coded in a specific programming language**, such as Solidity in Ethereum. Once the **conditions previously agreed between the parties are given**, the contract is automatically executed and **transactions are carried out instantly and securely**. The operation of a smart contract is based on these agreed conditions set out in the contract code. In other words, **in order to be executed, the parties have had to previously agree on this method of operation and execution of the transactions associated with what has been agreed in the contract.** These rules determine what actions are to be taken, the manner in which they are to take place and when they are to be executed **depending on certain events or conditions**. This **eliminates the need for intermediaries and operators in the processes of processing and executing contracts and agreements**, ensuring that transactions are carried out efficiently and **without risk of fraud, bias or human error**. The operation of a smart contract is based on three pillars: 1. **Code**: The contract is written in a blockchain-specific programming language, such as Solidity. 2. **Conditions**: The conditions to be fulfilled for the execution of the contract previously accepted by the parties involved are defined. 3. **Execution**: When the conditions are met, the contract and its associated actions (consequence of the events occurred) are automatically executed without the need of intermediaries. 4. **Traceability**: Everything that happens is recorded in the blockchain network, and technologies such as [**time stamping**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) are used to leave evidence. For this to happen, **different IT systems and applications** must be **configured and integrated to** ensure that events are recorded and appropriate actions are taken upon execution of the smart contract. The [**process automation**](https://www.tecalis.com/blog/process-autoamtion-types-rpa-bpm-what-is-how) tools in companies make it possible to build automated models that save time and costs for both their teams and users. ## **What are smart contracts for? use cases and applications** Before going into detail about the different types of smart contracts and their examples, it is important to highlight their **versatility and their ability to adapt** to a wide variety of **applications, industries and business use cases**. This is due to the **sheer number of applications of blockchain technology**. It is especially relevant in fast processes and **when you have a large volume of transactions that need to be executed in an agile manner**.  Smart contracts can play a crucial role in **copyright and intellectual property management**, automating the process of licensing and distributing digital content to ensure fair and transparent compensation for content creators. In **healthcare**, smart contracts have many uses, being used to manage **access and privacy of electronic medical records or digital prescriptions**, ensuring the confidentiality and integrity of patient information.  These additional examples further highlight the **breadth of applications and transformative potential of smart contracts in various industries and business processes.** Below is a summary of what smart contracts are for and their uses and applications by relevant sectors: * **Finance and banking**: A smart contract is used in a variety of financial and banking applications, such as international **payments**, peer-to-peer lending, token issuance and **digital asset management** (buying and selling stocks, currencies, dividend endowments, etc.). Similarly, we can find them when we perform **operations through our banks' apps** (generally preceded by a [**digital signature request**](https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending)): money transfers, loans, asset management, insurance, etc. * **Insurance**: In this industry, one of the most common and innovative uses is the automatic execution of [**insurance contract**](https://www.tecalis.com/blog/insurance-contract-law-characteristics-contracting) conditions (e.g. on/off or usage-based insurance). Smart contracts can automate the process of **policy issuance, claims management and payment settlement**. This ensures a fast and efficient response in the event of a claim, reducing processing times and improving customer satisfaction. * **Telecommunications**: In the telco sector, smart contracts can be used to manage service contracts between providers and customers. This includes the **automatic activation and deactivation of services such as mobile lines**, data plans and internet services, according to the conditions and terms specified in the [**electronically signed**](https://www.tecalis.com/blog/electronic-signature) contract. Smart contracts can also facilitate **automated billing** and payment management, ensuring a seamless experience for users and optimizing operational efficiency for telcos. Furthermore, in the field of telecommunications networks, a smart contract can be used to automate the configuration and management of network devices, facilitating the implementation of security policies and optimizing network performance. This helps to reduce operating costs and improve quality of service for end users, **integrated into** [**BSS**](https://www.tecalis.com/blog/bss-what-is-how-it-works-business-support-system-telecommunications-oss) **systems such as Tecalis Customer Hub**. * **Utilities and energy**: In much the same way as in telecommunications, in the energy and utilities sector, smart contracts can facilitate the trading of renewable energy and carbon or solar credits, allowing users to buy, sell and trade energy from renewable sources in a transparent and efficient manner, among many other uses. * **Logistics and supply chain**: In supply chain and logistics, smart contracts are used to optimize **inventory management, track product movement and automate delivery and payment processes**. Similarly, we find the use of smart contracts in product tracking, quality controls and all kinds of back-office operations of a retail network's points of sale. * **Identity and access management**: Smart contracts are used to manage digital identity and access to online services in a secure and decentralized way **in systems running SCA (Strong Customer Authentication) and for open banking/financce PSD2/3 bank scraping connections**. This includes user identity verification, transaction authentication and **data and resource access permission management**. * **GovTech**: In government, smart contracts are used to improve efficiency and transparency in a variety of areas, including identity management for internet access to public services, **e-voting and government contract administration.** * **Event and ticket management**: Smart contracts are used for event management, ticket sales and ticket issuance, guaranteeing the authenticity of digital tickets and facilitating the transfer of ownership in a secure and transparent manner. This includes **ticket validation at the event venue and refund management in case of cancellation or date change**. ## **Smart contracts: Types and examples** Depending on their complexity and functionality, we can categorize smart contracts into different types: * **Simple contracts**: Automate simple tasks, such as transferring money when a condition is met, with digital signature. * **Complex contracts**: Allow the management of more elaborate agreements, such as the purchase and sale of a property, with electronic signature. * **Contracts with oracles**: They integrate with external data sources to verify information and execute actions (based on predefined triggers and triggers). They use [**RPA technologies**](https://www.tecalis.com/blog/rpa-robot-process-automation). An example of a smart contract is for the purchase and sale of a property, being able to automate the payment process, transfer of ownership and registration. Other examples include: * **Payment contracts**: These contracts automate the process of **transferring funds once certain conditions are met**, such as the delivery of goods or services. * **Service provision and activation contracts**: These smart contracts trigger confirmation to **register** a phone line, for example, **associated with a particular user and validate their credentials**. * **Insurance contracts:** Manage **claims** and payments automatically in case of predefined events, such as accidents or natural disasters. * **Betting contracts:** Facilitate all operations with smart contracts for online betting and gambling in a secure and transparent manner once the game has been completed. * **Loan contracts:** Automate the process of lending and repayment of funds between lenders and borrowers, eliminating the need for traditional financial intermediaries. ## **Electronic signature in a smart contracting** Electronic signatures are a crucial component in smart contracts, as they **validate the identity of the parties involved and guarantee the authenticity of the agreement**. Electronic signatures are generated using cryptographic keys and recorded in the blockchain, providing an additional level of security and confidence in the process, which **is recorded in the audit trail**. Similarly, the parties involved in a contract **digitally sign the agreement using an appropriate** [**electronic signature tool**](https://www.tecalis.com/products/electronic-signature) **prior to the execution of the smart contract**, ensuring the authenticity and integrity of the subsequent transaction when defined clauses are given, which will then allow the consequences to be executed through the smart contract. This provides irrefutable proof of acceptance of the terms by all parties involved, as digital signatures cannot be forged or modified without the consent of the relevant parties. There is a difference between smart contracts and **legal smart contracts** and it lies in this use of electronic signatures. **A smart contract will be considered legal and enforceable as a contract when it has been made under the standards defined by the jurisdiction in which it** takes place. Therefore, using **eIDAS electronic and digital signatures** for smart contracts makes them legal smart contracts. ## **RPA in smart contracts** **Robotic process automation (RPA) is used to build the operating models of smart contracts**. RPA bots can perform repetitive tasks, such as verifying data or updating records, which streamlines the contract execution process and minimizes human error. RPA bots can also be **integrated with external systems, such as databases and business management systems, to further automate workflow and improve interoperability between different platforms and applications**. ## **Benefits and advantages of smart contracts** Smart contracts offer a number of benefits and advantages for both individual users and businesses, including: 1. **Efficiency**: Smart contracts automate the process (and all associated actions and operations) of contract execution, reducing the need for human intervention, increasing security and streamlining transactions. 2. **Transparency**: All transactions carried out on a blockchain are transparent and publicly verifiable, ensuring integrity and trust in the process. 3. **Security**: Advanced cryptography and blockchain decentralization protect data and transactions from manipulation and fraud. 4. **Trust**: The inherent reliability of blockchain technology and the impossibility of modifying records ensure trust between the parties involved. 5. **Cost reduction**: By eliminating intermediaries and reducing the risk of errors and fraud, smart contracts can help reduce the costs associated with traditional transactions and contracts. In addition, integrating these technologies means that solutions such as Customer Hub are already being used, which reduce costs by creating simple digital platforms where all business operations can be carried out. 6. **Global access**: The decentralized nature of the blockchain means that smart contracts can be accessed from anywhere in the world, facilitating international transactions and collaboration between different stakeholders. In short, smart contracts are an innovative technological solution that has transformed the way digital transactions are conducted in a wide variety of industries. Their ability to **automate, enforce agreements and execute transactions securely and efficiently** makes them an indispensable tool in today's economy. --- ## Certified SMS: what it is, how to send and legal framwork **URL:** https://www.tecalis.com/blog/certified-sms-certificate-what-is-legal-notifications-legal-electronic-registered-how-to-example **Descripción:** A certified SMS is a message in text format received on a cell phone line with legal validity and traceability systems (non-repudiation). The methods of **sending certified messages** have varied over time, with **certified SMS** being **one of the most widely used again today**. Technological advances in communication and the use of new types of devices have led to the creation of various **tools to guarantee the security and authenticity of the messages sent**.  One such development is **certified SMS**, an innovative solution that provides an **additional layer of trust and legal validity** to messages sent via SMS. This medium is relevant because, as others have become saturated and less used, it captures the attention of the receiver in a more interesting way. In this article we are going to see what certified SMS are, how they work, their technical characteristics and the tools that allow you to manage all types of sending certified messages via SMS. ## **What is a certified SMS** A **certified SMS is a text message sent via a mobile line service that guarantees its authenticity and** secure **delivery** to the recipient on their phone or similar device. Unlike traditional text messages (short message services), certified SMS uses **specialized technology to record and verify the delivery of the message**, providing an additional level of security, legal backing and trust. Also known as "certified SMS messages" or "certified SMS", the certified SMS are text messages with **legal and evidentiary value** that proves its sending, reception and **immutability of the content**. It works as a **reliable proof** of communication, **similar to the bureaufax or registered letter**, but with the advantage of the immediacy and simplicity of SMS. It is a useful tool for communications such as legal notices, important notices or transaction confirmations. It has full legal validity and is **considered an official method of** [**electronic communication and notification**](https://www.tecalis.com/blog/e-notices-enotices-electronic-notifications-notice-enotice-published-companies). Although documents and sealed messages can also be sent with full evidentiary validity through **Whatsapp, Telegram, email and other types of applications** and communication and instant messaging systems, the **certified SMS has gained weight and popularity as a method of legal electronic notifications** since it arrives directly to the recipient's cell phone and captures their attention by not getting lost among the hundreds of emails or messages that most users receive per week or even per day. ## **Certified SMS: how they work** Certified SMS works **through the use of a qualified trusted service** that acts as an **intermediary between the sender and the recipient**. When a certified SMS is sent, **the service records the delivery of the message, including the date and time of delivery, as well as confirmation of receipt by the recipient and even reading**. This information **is securely stored and can be used as evidence in case of legal disputes or need for validation**. The process of **sending and certifying an SMS is based on three key technologies**: * **Blockchain**: Blockchain technology and end-to-end models (end-to-end encryption) are used to record the sending of the SMS in a block chain, **guaranteeing its integrity and immutability**. This creates an **irrefutable record of the communication** that **cannot be modified or deleted**. * [**Time stamp**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature): Closely linked to the previous technology, time stamping or timestamping records all events that occur before, during and after the sending, receiving and reading of the certified SMS. * [**Digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents): The electronic signature is used to **authenticate the identity of the SMS sender**. This ensures that the message comes from and is received by who it claims to be and has not been forged. This helps to **guarantee non-repudiation**. Regarding **technical aspects of the certified SMS**, these sealed messages have a specific format that includes the following information: * **Header**: The message header contains **information about the sender, the recipient** and the date and time of sending. * **Metadata**: Includes telecommunications **operator information** and all **data associated** with the shipment and the entire process **to be included in** the **audit trail report.** * **Body of the message**: The body of the message contains the text of the message and the **content of the electronic notification**, which is the core of the communication from the sender to the receiver. Legal and juridical confirmation. * **Electronic signature**: It is optional and **can include sending a document in the SMS certificate to sign (**[**electronic signature request**](https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending)**) through** a specific electronic signature standard. It is usually a link to an electronic signature tool on the web. The electronic signature is used to authenticate the identity of the sender. * **Additional information**: The message can include additional information, such as a **verification code or a link to a document, image, audio, etc.** Certified SMS is highly secure thanks to blockchain and e-signature technology and **varies in cost depending on the Qualified Trust Service Provider (QTPS)**. In general, prices are reasonable and affordable for most companies and organizations that require these services (virtually all industries and sizes). ## **The legal value of a certified SMS** One of the most outstanding aspects of certified SMS is its great capacity to legally support an immediate communication, with full legal validity in most countries. Especially in those belonging to the European Union, but also in Latin America, the USA and the United Kingdom.  Certified SMS **have the same legal validity as other reliable means of notification, such as bureaufax or registered letter**. This means that they can be used as evidence in a trial or administrative procedure. They are also often referred to as online bureaufax, although they do not necessarily use Internet networks when using SMS. This service acts as an **impartial witness to the delivery of the message**, providing **verifiable evidence of the communication between sender and recipient, and in many cases if the technology allows it, also the confirmation of reading**. By using a qualified trusted service, the integrity and authenticity of certified messages is guaranteed, making them a powerful tool for business and personal communication with **guaranteed non-repudiation**. ### **Qualified trust services providers: reliable electronic notifications** As a **qualified trust service under the eIDAS and eIDAS 2 (EU Regulation on electronic identification and trust services for electronic transactions)**, certified messages and SMS are considered **reliable notifications**, which means they have legal and evidentiary value in case of disputes or litigation. This provides companies and individuals with a secure way to communicate and guarantee the authenticity of the messages sent. To ensure the legal validity of certified SMS, they **must be issued by a Qualified Trusted Service Provider (QTSP)**. These providers are regulated by the European Union and comply with the requirements set out in the eIDAS Regulation. They also help with the storage and safekeeping of the certificate generated by sending the certified SMS, which is available on the platform for download for years. This standard defines QTSPs as entities that provide trusted electronic services, such as the **issuance of electronic certificates (through any digital channel) and the management of electronic signatures**. The QTSP you choose to make use of this service must comply with a series of requirements to guarantee the security and reliability of the certified SMS. ## **Uses of certified SMS: examples and applications** Certified SMS has a **wide range of applications and uses in various industries**. **Companies can use certified SMS to send invoices, appointment confirmations, delivery notifications and other important messages** to their customers. **Of particular note is their use for sending** [**electronic signature**](https://www.tecalis.com/blog/electronic-signature) **requests**. The use cases for certified SMS vary depending on the activity of the company or organization: **financial institutions can use certified SMS to send transaction alerts, payment confirmations and other messages related to account security** while government entities use them to send appointment reminders, document expiration notifications and other official messages to citizens. Certified SMS can be used in a **wide variety of situations**, such as: * Notification of deadlines and expiration dates * Modifications of contract conditions * Delinquency, renewal or termination notices * Judicial summons * Notice of meetings or assemblies * Eviction notices * Communications with the Public Administration * Commercial communications: * Confirmation of orders and purchases * Delivery Notices * Electronic invoices * Contracting processes * Product and service registration or cancellation * End of policy * Contracts and agreements * Confirmation of bank transactions * Notices of changes in the terms and conditions of service * Electronic voting * Authorizations and permits * Confirmation of attendance to events * Queue management * Identity verification * Sending access codes A bank for example uses certified SMS to notify its customers about unusual movements in their accounts and a telecommunications company to confirm the portability of a telephone number. There are many outstanding uses but **SEPA direct debit acceptance, debt claims, notices, or sending legal documentation** are the most important for sending certified SMS. ## **How to send a certified SMS** Sending a certified SMS is a simple process that can be done through a **QTSP's specialized messaging and digital signature platforms**. These **web applications or APIs offer specific tools and functions for sending certified SMS messages**, including the option to request **delivery confirmations and receive real-time notifications** on the status of the message. In order to send certified SMS, a series of basic steps must be followed, which are summarized below: 1. **Access your** electronic signature and notification **platform** with a qualified and trusted service provider. 2. **Register on the platform and create an account**. 3. Select the **option to send a document or message and select SMS**. 4. **Upload the document containing the information** you wish to transmit via SMS or write it directly there. 5. **Enter the** recipient's **phone number** and details. 6. Follow the instructions for sending and electronically signing the message. 7. **Check and confirm the sending of the certified SMS**. 8. Download if you wish the audit report to accredit the notification in case you need it. ## **Advantages of certified SMS messages** The advantages and benefits of using certified SMS messages are numerous and significant, including **providing an additional level of security and authenticity** to the messages sent, ensuring their integrity and reliability. By using a qualified trusted service, certified messages have **legal validity** and can be used as evidence in case of disputes or litigation. Immediate delivery, acknowledgement of receipt and the possibility of attaching PDFs, images, etc. are crucial elements of certified SMS. Sending a certified SMS is **as simple as sending a traditional text message**, with the added benefit of **advanced tracking and delivery confirmation or document signature features**. In addition, SMS is delivered instantly, making it ideal for **urgent and time-sensitive communications that stand out from the crowd**. SMS has an **open rate of over 90%**, which means that the recipient is very likely to read the message, unlike other methods. Certified SMS is a **cost-effective and efficient solution** compared to other methods of **reliable communication,** with good prices. Trusted service platforms give you the possibility to send from any device with internet connection and connect it in an automated way with your predefined systems, so you don't even have to do it yourself. **Through APIs, notifications are automatically triggered in the form of certified SMS** so that you can forget about everything and can be sent to a large number of recipients simultaneously (**mass mailings**), easily and economically. SaaS tools for sending certified SMS allow a pay-per-use of the system, charging only when the confirmation of delivery and receipt of the certificate has been made effective. **They allow centralized management with extensive customization options and a complete record in the evidence document**.  In short, certified SMS is a powerful tool for ensuring the security, authenticity and legal validity of messages sent via SMS. With its ability to provide credible notifications and ensure secure message delivery, certified SMS has become **a popular choice for businesses** and individuals looking for a safe and reliable way to communicate. --- ## What is a certified email? How to send one **URL:** https://www.tecalis.com/blog/certified-email-registered-what-is-electronic-mail-digital-e-mail-certificates-free-send-emails **Descripción:** A certified email or registered email is a legally valid digital message sent with acknowledgement of receipt and secure techniques. **Certified email is an agile and secure method for sending reliable notifications with relevant information**. Email is already a part of our daily life, whether for personal and less important communications or for relevant procedures at work or with administrations. However, with the rise of instant messaging services, which accumulate hundreds or thousands of messages per day for users, **emails now stand out for their use for important business, professional or administrative communications.** Despite its **practicality and speed**, simple e-mail has certain limitations in terms of delivery guarantee, verification of the sender's identity and the legal validity of the messages, which is why **certified e-mails** are preferred.  To overcome these small but crucial limitations, certified email, also known as registered email or legally-biding mail, makes use of **encryption and traceability technologies to ensure a legal acknowledgement of receipt**. Below we will see what a certified email is, how a registered email can be sent in such a way that it is legal and the most relevant free certified e-mail platforms. ## **What is a certified email** A **certified email is a type of email that incorporates advanced security and traceability mechanisms** that allow the sender to verify **its sending, reception, content and the identity of the sender and the reader**. These features and functionalities provide certified emails with full legal validity if they are sent through a trusted regtech service provider, making it an **ideal tool for communications that require legal guarantees in various fields.** In essence, **the certified email works as a reliable proof of electronic communication**, similar to what happens with the **burofax in the traditional postal field,** or certified mail. In this way, registered mail is an evolution of traditional email, designed to offer an additional layer of security, authenticity, immediacy and traceability in electronic communications.  Unlike a **conventional email, which can be susceptible to tampering or spoofing**, a certified email uses **advanced technologies to ensure the integrity of the message and the identity of the parties.** This type of certified email not only focuses on the delivery of the message, but also provides **reliable proof of receipt that can be used in the event of a legal dispute**, thus ensuring a more reliable and secure communication between the parties involved. When you send a certified email, you are using **advanced encryption, blockchain and** [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) **techniques** to ensure that the message reaches its intended recipient securely and that its content has not been altered along the way. In addition, certified email provides a detailed record of the delivery of the message (via an **audit trail document stamped by a trusted third party**), the recipient's reading and any actions taken with respect to the email.  The certified email service is simple to use and highly economical, with cost savings of over 90% compared to traditional registered mail. Wherever and whenever you want, you can instantly obtain legal evidentiary validity by sending a certified email including attachments, for example. ## **Registered email: what it is and how it works** A registered email is and **its operation is based on the intervention of a trusted third party, also known as a certification service provider or certification authority**. This third party **acts as guarantor of the identity of the sender, the content of the message and the date and time of sending and receiving, in** addition to providing all the technologies and tools to be able to send the registered email. In this way, we can understand that a certified e-mail is also a reliable [**e-notice**](https://www.tecalis.com/blog/e-notices-enotices-electronic-notifications-notice-enotice-published-companies)**. This standard is regulated by official bodies** such as the European Union in its eIDAS regulations, as well as by counterpart organizations in other countries around the world, with the characteristics varying by region but being practically identical. The process of sending a certified email usually includes the following aspects and steps: 1. **Tools and technologies in the digital service provider's platform**: The sender accesses the platform of the selected certification service provider, which includes systems such as [**time stamping**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) or digital signature. 2. **Creation of the certified email:** The sender composes the email as he would do with a traditional email, attaching the necessary files if necessary and even attaching documents to be signed by electronic signature. 3. **Digital signature of the email by the sender of the email:** The sender digitally signs the email using a digital certificate issued by a QTSP trusted certification service provider or through other identification methods provided in standards such as eIDAS and provided by the RegTech provider. 4. **Sending the certified email to the recipient of that communication:** The digitally signed email is sent to the certification service provider's server. 5. **Verification and sending to the recipient by the trusted third party**: The certification service provider verifies the digital signature of the sender, the content of the email and the date and time of sending. If everything is correct, the email is sent to the recipient. 6. **Notification of receipt:** The recipient receives notification of receipt of the certified email, along with an acknowledgement confirming the date and time of receipt. 7. **Traceability of registered e-mail**: An audit report is extracted with all the evidence of the process, which can be generated at any time and include information such as reception or even reading. This guarantees the non-repudiation of the received message. Metadata such as IP addresses, dates, times and all kinds of hard evidence are included. Certified email is a very **similar** method to [**certified SMS**](https://www.tecalis.com/blog/certified-sms-certificate-what-is-legal-notifications-legal-electronic-registered-how-to-example). In terms of technology and tools, they work in a practically identical way, simply changing some **technical aspects derived from the communication channel** (telephone line or Internet messaging system). But equally, **the operation of a registered email is based on the use of digital certificates and security protocols**. When you decide to send a certified email, the process starts with the **digital signature of the message by the sender**. This digital signature acts as a kind of "seal" that verifies the identity of the sender and guarantees the integrity of the email content. Once digitally signed, the message is **sent through secure servers that use end-to-end encryption to protect the information during its transit through the network**. When it reaches the recipient, the certified email **can be opened with complete security, guaranteeing that the content has not been altered and that it comes from the verified sender**. ## **The legal validity of a certified email** The legal validity of a certified email is a crucial aspect; being basically what distinguishes it from conventional emails for practical purposes. **In many countries (practically all), the laws and regulations on electronic communications and digital signature recognize the legal validity of certified emails with digital signature**. This means that a digitally signed certified email **has the same legal validity as a physically signed document or the well-known traditional standard bureaufax** via certified mail or registered letter. In case of legal or commercial disputes, the detailed record of the delivery and reading of the registered email **can be presented as evidence to the competent authorities**, providing solid legal support for the parties involved. For a certified mail to be legally valid, it is essential that digital certificates and encryption technologies from recognized certification authorities (QTSP) are used and that detailed records are kept of the delivery and receipt of the message (audit trail).  In the case of countries such as Spain, for example, the legal validity of a certified email is covered by Law 59/2003, of December 19, 2003, on electronic signatures (which is much earlier than eIDAS), which **establishes that an email data message sealed with certified electronic means shall have the same value and effectiveness as a handwritten signature in relation to** the **data contained therein.** In this sense, the Supreme Court has **endorsed in several rulings the legal validity of certified email as a means of evidence in legal proceedings**, provided that the requirements established by law are met by RegTech providers, such as the use of a valid digital certificate and the correct digital signature of the message. ### **Emails and digital certificates** On platforms such as Tecalis**, digital certificates can be used to send certified emails**. With the **platform's integrated digital certificate manager**, registered emails are quickly sealed and comply with the most stringent regulations. However, for those who do not wish to use their digital certificate by email or mail, they can opt for other methods and send a certified email with full legal validity in the same way. To ensure maximum reliability and security in your electronic communications, it is essential to **use a qualified trusted service that offers registered and digital mails** with and without digital certificate by mail. These services are usually **accredited by recognized bodies and comply with international security and privacy standards, such as the General Data Protection Regulation (GDPR), eIDAS, eIDAS 2 and DORA in the European Union** (Regulation (EU) No. 910/2014 of the European Parliament and of the Council).  By opting for a qualified trust service, you not only benefit from the additional guarantees of security and legal validity (with document evidence in PDF or other formats), but you also **ensure interoperability with other services and platforms as well as with other countries or regions, facilitating the management and tracking of your certified communications,** whether you use the digital certificate in email or opt for another method validated by the QTSP. Qualified trust services are subject to strict security and control requirements by the competent authorities, which guarantees the reliability of the digital certificate in the email and of the certified email services provided. ## **Certified emails uses: examples and applications** Certified emails have a **wide range of uses in different fields and sectors**, both in the public and private sectors. Here are some examples and practical applications of registered email: * **Formal, legal and judicial notifications**: Dismissals, claims, summons, etc. Legal and judicial notifications, such as subpoenas or summons, can be sent as certified emails to guarantee their delivery and legal validity. It can also be used to give legal authorizations to third parties including [**all types of electronic signatures**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) or to communicate the registration in delinquent files. * **Contractual communications and commercial agreements**: Signing of contracts, agreements, modifications, cancellations, credit concessions, etc. Contracts and commercial agreements can be sent as certified emails to ensure receipt and acceptance by all parties involved. * **Financial transactions**: Invoices, receipts, statements of account, payment receipts, tracking of shipments, allegations and pleadings, file notifications, etc. * **Communications with the administration**: Submissions of applications, appeals, notifications, etc. Sending government communications, identification documents, certificates and other official documents that require validation and security. * **Internal and External Corporate Communications**: In the corporate environment, certified emails are useful for internal and external communications that require a high degree of security and confidentiality. Depending on the use case of the certified e-mail, **different traceability options** must be **chosen to generate proof**: **reception, opening, viewing of documents, opening of documents, downloading of documents, etc.** ## **How to send a certified email** The **process of sending a certified email** may vary depending on the service provider you choose. In order to send a registered email you must first choose the one that complies with **the legal requirements established in the jurisdiction where you operate**. There are some platforms that are simpler than others, but generally **the method to send a certified email consists of the following steps**: 1. **Access the platform of the certified email service provider**: Select a trusted certification service provider and access its online platform by logging in with your account. 2. **Import a digital certificate to send by email or make use of the RegTech platform method**: Create or import a valid digital certificate that will be used to digitally sign your emails or use a valid digital signature method provided by your trust service provider. 3. **Compose the email or attach a document with the information to be sent**: Compose the email as you normally would, including any necessary documents or attachments. You can make a [**digital signature request**](https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending) **for documents if necessary**. 4. **Choose the sending method**: Before sending the email, you can choose between **sequential, bulk or parallel** sending in case you have **more than one recipient**. 5. **Send the registered email**: Once digitally signed, send the email through your provider's email service. 6. **Add the recipient's information**: Enter the email address of the recipient to whom you want to send the certified email and all the information you consider or choose them from your address book. 7. **Store certified email delivery receipt and read receipt**: Store the delivery receipt and read receipt of the registered email (audit report) as proof of sending and receiving. Sending a certified email requires following a specific process to ensure the security, authenticity and traceability of the message. These notifications provide a reliable confirmation that the message has been delivered to the recipient and, if applicable, that it has been opened and read. ## **Free certified email tools** If you are looking for free options to send certified emails, there are some tools available that offer this functionality for free but it is important to note that while these tools offer flashy options, some advanced features or additional services may not be available. **Always opt for a qualified and trusted service provider or your certified email will not have sufficient legal validity**. **Tecalis Sign has both a free trial period that includes free certified email and a freemium version with a number of free deliveries.** Although these tools tend to offer basic features and limitations compared to the paid versions, they can be an excellent option for individual users or small businesses looking to try registered email without incurring additional costs but with the legal backing necessary for certified email, unlike those online with dubious legal support.  Once your business grows and needs more, you can change your plan and use free certified mail included with your subscription or opt for another model at **a very low cost**. It is advisable to **evaluate your specific needs and consider investing in a paid version if additional functionalities are required**, as they provide an absolutely differential improvement at a really affordable price. ## **Advantages of registered e-mails** The advantages of using certified email are numerous and range from security and privacy to legal validity and operational efficiency. The use of certified emails offers several advantages over traditional email, bureaufax as registered mail or registered letters, especially in terms of security, traceability and legal validity.  Some of the main advantages include: * **Increased security and privacy**: Certified emails use encryption and digital signature to protect your electronic communications against unauthorized access and alteration. It ensures that the content of the email has not been modified or read during transmission. * **Instant legal validity and international recognition**: Certified digitally signed e-mails are legally valid and internationally recognized, facilitating the acceptance and recognition of your communications in different jurisdictions. * **Detailed record and absolute guarantee of delivery:** registered emails provide a detailed record of the delivery of the message, the recipient's reading and any action taken with respect to the email or certified mail, offering complete traceability of your communications. * **Ease of use and compatibility:** Sending a certified email is a simple process that integrates easily with your existing email tools and platforms, ensuring a smooth and seamless user experience. * **Cost and time reduction:** By facilitating the management and tracking of your electronic communications, certified emails contribute to the reduction of costs and time in administrative and legal processes, optimizing the operational efficiency of your business or professional activity. * **Professionalism and agility:** The use of registered e-mail conveys an image of professionalism and seriousness, especially in business and commercial environments where security and reliability are fundamental aspects. In summary, with a wide range of uses and applications and a series of significant advantages, certified mails become a fundamental tool for any type of electronic communication that requires guarantees of security, traceability and legal validity. Its use extends to various fields, both in the public and private sectors, providing confidence and security in digital communications. Certified email has established itself as an **indispensable** tool **in today's digital environment**, offering security, legal validity and trust in electronic communications. With the tools and services available in the market, sending registered emails is easier and more affordable than ever with paid tools and free certified email, providing an effective and reliable solution to ensure the integrity and authenticity of the messages sent. --- ## Banking Trends: Key facts about an evolving banking industry **URL:** https://www.tecalis.com/blog/banking-trends-news-keys-figures-data-digital-banking **Descripción:** The banking and financial industry is undergoing a second digital transformation led by new AI technologies and disruptive tools. The **banking and finance industry** is undergoing a series of **truly momentous changes** that may go unnoticed by some, but for others are a game changer. **Financial industry professionals are looking at new tools to take advantage of the most impactful innovations.** **The following is a review of the trends, keys and conclusions** of a day of innovation and strategic collaboration that each year redefines the future of banking as we know it and from which **new projects** emerge **that set the course for the industry and its players**. ## **AI and Blockchain: a transformative duo for banking and RegTech** Despite the major changes, there are two issues that have dominated much of the conversation and headlines, and that is none other than the convergence of two disruptive technologies that is already happening: artificial intelligence (AI) and blockchain. The **combination of these tools offers endless possibilities for improving the efficiency, security and transparency of financial services**, opening the door to a **new paradigm in which traditional banking merges with decentralized finance (DeFi)**. In [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology), AI and blockchain play a key role in **automating and optimizing compliance processes**. AI makes it possible to **analyze large volumes of data to identify patterns and detect potential violations, while blockchain facilitates an immutable and auditable record of transactions, which significantly reduces the risk of fraud** and increases trust in the system. Some specific applications of AI and blockchain in RegTech include: * **Money laundering detection (AML)**: AI can analyze **spending patterns and transactions to identify suspicious activity**, while blockchain allows tracing the origin of funds more accurately. * [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/know-your-client-kyc): AI can automate identity verification and customer data management, while blockchain facilitates the creation of secure and verifiable digital identities or makes [**digital signatures**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) possible. * **Regulatory reporting**: AI can generate **regulatory compliance reports automatically and accurately**, while blockchain ensures the integrity and traceability of these reports. The integration of AI and blockchain in RegTech not only benefits financial institutions, but also customers. Increased regulatory compliance translates into greater security for users, who can rest assured that their data and transactions are protected. In addition, process automation enables cost reductions and more efficient and personalized services. It is important to note that while AI and blockchain offer endless possibilities for RegTech, they also present some challenges that need to be addressed. **Data privacy, cybersecurity and governance are critical aspects that must be** carefully **considered** to ensure responsible and ethical use of these technologies. However, the potential benefits of AI and blockchain in banking and RegTech are so significant that it is worth **investing in their development and responsible adoption**. Collaboration between financial institutions, regulators and technology companies will be key to maximizing the potential of these tools and building a more secure, transparent and efficient financial future for all. ## **What banking industry experts say** The banking industry is at a turning point in its history, marked by a **profound transformation driven by the convergence of several factors**: the rise of **second-generation digital technologies**, the growing **demand for hyper-personalized services**, the emergence of **new non-traditional competitors** and the **changing regulatory landscape**. Below we categorize the findings by impact blocks: ### **A Dynamic Present:** * **Digitalization**: The adoption of technologies such as **artificial intelligence (AI), blockchain, big data and cloud computing is revolutionizing the way banks operate and interact with their customers**. Traditional banking services are being digitized, new business models are emerging and new players are emerging in the sector. * **Personalization**: Customers are demanding **more personalized, needs-centric banking experiences while demanding high-level security and privacy**. Banks are using data analytics and AI to better understand their customers and offer them personalized products and services. * **New Competitors**: The emergence of fintech and other disruptive players is **challenging the way we understand certain financial products and services**. Fintechs are **innovating in range and distribution channels**, forcing banks to adapt and compete more effectively. * **Regulation**: The regulatory landscape is **changing rapidly,** with new rules seeking to address the emerging risks of digital technologies and promote competition and innovation in the financial sector. **Automated compliance is shaping the news for many banks**. ### **Figures Illustrating Change:** * **Investment in technology**: According to a study by Statista, **global investment in fintech reached $221 billion in 2023**, 50% more than in 2022. * **Adoption of mobile banking**: A PwC study reveals that **84% of banking customers use mobile banking at least once a month**. * **Fintech growth**: According to CB Insights, the **number of fintech companies worldwide will exceed 19,000 in 2023**, 10% more than in 2022. ### **A Promising Future:** * **Open Banking (Open Banking thanks to** [**PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance)**)**: Open banking, which enables secure sharing of financial data with third parties, is driving innovation and the development of new products and services. * **Banking as a Service (BaaS)**: BaaS enables non-financial companies to offer banking services to their customers, opening up new opportunities for collaboration and growth. * **Neobanks**: Neobanks, which operate exclusively online and leverage digital technologies to offer more efficient and personalized services, are gaining ground in the market. * **Decentralized Finance (DeFi)**: DeFi, which uses blockchain to create financial systems without intermediaries, is emerging as an alternative to traditional banking services. * **New ways of performing digital onboarding:** Driven by **eIDAS2**, the methods for performing KYB, KYC, due diligence and evaluating transactions will be further simplified and expanded. ### **Challenges and Opportunities:** * **Cybersecurity**: Increasing reliance on digital technologies increases the risk of cyberattacks. Banks must invest in robust security measures to protect their customers' data. * **Financial inclusion**: Digitization can exclude segments of the population that do not have access to the internet or digital technologies. Banks must work to ensure financial inclusion for all sectors of society. * **Social responsibility**: Banks must demonstrate a commitment to social responsibility and sustainability to maintain the trust of their customers and stakeholders. In short, the banking industry is in a time of great transformation. Digitalization, personalization, the emergence of new competitors and the changing regulatory landscape are redefining the industry. Banks that adapt to these changes and take advantage of the opportunities offered by new technologies will have a promising future. ## **New channels in banking and their tools to reach more segments** [**BSS systems**](https://www.tecalis.com/blog/bss-what-is-how-it-works-business-support-system-telecommunications-oss) have taken on a major role **in telcos**, being **online platforms that companies make available to their agents to facilitate the management of their business and all commercial actions**.  These portals offer a wide range of functionalities allowing access to information and documentation **and activation of bank accounts in seconds by subsidiaries, partners or new channels activated also in record time and deployed with perfect time-to-market**. They find all the **commercial information, such as tariffs, general and specific conditions of contracts, product manuals, etc.** They can also provide access to technical documentation, such as forms, guides and circulars. [**Now coming to BFSIs**](https://www.tecalis.com/blog/bfsi-banking-financial-services-insurance-sector-industry-companies-market-companies-what-is), these retail management platforms enable the placement of banking institutions' retail locations in new market places, such as **shopping malls, street-level spots, airports and so on.** **This represents a range of possibilities for the banking of the future**. The new tools are not just a commercial management platform (CRM, ERP, etc.), but a **complete ecosystem that encompasses a wide range of functionalities and tools designed specifically for the needs of the banking sector.**  Among the most outstanding possibilities we find: 1. **Omni-channel**: Tools such as **Tecalis Customer Hub** centralize customer and channel management on a single platform, allowing banks to offer a seamless and homogeneous experience across all locations where the institution has a presence: in-person, online, mobile and telephone. This translates into increased customer satisfaction, reduced costs and optimized resources. 2. **Agility and efficiency**: The platform **automates numerous manual processes**, such as **account opening, loan applications or product management**, **freeing up employee time to focus on more value-added tasks.** 3. **Know Your Customer (KYC) and** digital **onboarding**: Tecalis Customer Hub **integrates customer activation and enrollment systems** and facilitates compliance with KYC and AML regulations, while streamlining the onboarding process for new customers, significantly reducing onboarding times and improving the customer experience. 4. **Cross-selling and upselling in any location:** The platform provides employees with the necessary tools to **identify sales opportunities and at the business level to register business partners and locate in segment locations,** applying cross-selling and upselling, allowing them to offer customers customized products and services that meet their real needs at the right time and in the right place. 5. **Data analysis and decision making:** Tecalis Customer Hub offers powerful data analysis tools that enable banks to gain a complete view of their customers' behavior, identify market trends and make more informed strategic decisions. 6. **Personalization and loyalty:** The platform enables banks to create personalized experiences for each customer, offering them relevant products and services and improving their satisfaction. 7. **Integration with existing systems:** Tecalis Customer Hub integrates easily with banks' existing systems, protecting the technology investment made and maximizing ROI. Platforms such as [**Tecalis Customer Hub**](https://www.tecalis.com/products/customer-hub-sales) **are positioned as the perfect strategic ally for banks, fintechs and financial institutions looking to drive their digital transformation and redefine the way they interact with their customers**. ## **Regulatory changes impacting financial industry** In this context, **regulators play a key role in establishing standards and guidelines that seek to protect consumers and streamline interconnection or international interoperability** to promote financial stability and foster competition. **Among the most recent regulatory changes impacting the financial and banking industry, the following stand out**: * **Basel IV:** This set of reforms to the Basel Accords aims to strengthen the resilience of the global banking system and reduce systemic risks. The new rules will come into force in 2023 and 2024, and will impose stricter capital and liquidity requirements on banks. * **MiFID II:** The Markets in Financial Instruments Directive II (MiFID II) and the MiFID II Regulation (MiFIR), which entered into force in 2018, aim to increase transparency and investor protection in European financial markets. The rules have introduced new obligations for financial institutions, such as the obligation to provide more detailed information to clients and the implementation of measures to reduce high-frequency trading. ### **eIDAS 2 and PSD3: the most important standards** **Two of the new standards with the greatest potential impact on the financial and banking industry are eIDAS 2 and PSD3**: * **eIDAS 2:** The recently approved eIDAS 2 Regulation updates and strengthens the original eIDAS Regulation of 2014, which established a framework for electronic authentication and electronic signature services in the European Union. **This involves a radical change in all KYC, KYB and risk and fraud scoring processes.** The eIDAS 2 aims to increase trust in digital transactions and facilitate the provision of cross-border services. **Financial institutions offering online services will have to comply with eIDAS 2 requirements, which may involve the adoption of new authentication and e-signature solutions**.  * **PSD3:** The Payment Services Directive 3 (PSD3), which will come into force in 2024, will replace the 2015 PSD2. PSD3 aims to promote innovation and competition in the payments sector, as well as strengthen consumer protection. Financial institutions will have to comply with the new PSD3 requirements, which may involve adapting their products and services and adopting new technologies, such as the **Payment Initiation API (PIS) and the Account Information Request API (AISP)**. In general, new regulatory changes are driving greater transparency, consumer protection and efficiency in the financial and banking industry. **Compliance with them is absolutely simple and automatable thanks to RegTech solutions, which beyond responding to compliance and avoiding sanctions, allow taking advantage of the opportunities provided by the new regulatory frameworks in addition to providing new associated tools that grow both companies in the banking sector and large institutions as well as FinTech and other players.** ## **Tecalis solutions for banking and financial services** **Tecalis** is a leading RegTech solutions company that offers unique value to the banking sector. Through its wide range of systems and products, it helps banking players to **optimize, simplify, streamline and secure all processes, from the first contact with the customer to the signing of the contract or the granting of a mortgage**. Tecalis' main solutions for the banking sector include: * **Digital Onboarding (KYC/AML/Risk)**: Tecalis offers a complete solution for digital onboarding management, including customer identity verification (KYC), anti-money laundering (AML) and **risk assessment with media screening and ongoing monitoring.** * **KYB, advanced document processing (second-generation OCR with AI) and** [**automated notarization and power of attorney verification**](https://www.tecalis.com/blog/notarization-power-of-attorney-verification-validation-what-is-powers-meaning-banking-example-documents)**:** For **enterprise customers**, Tecalis has solutions to **complex use cases** for advanced due diligence processes and **all types of B2B segments**. * **Electronic Signature (Digital contracting and certified electronic notifications)**: Allowing the electronic signature of contractual documents and the sending of certified electronic notifications, with total security and legal validity BFSI contracts are sealed and validated. * **Marketing (Customer Hub - Marketing Portal)**: Acting as a centralized portal for the **management of new disruptive branches it** also counts as an Agent Portal to facilitate the management of its customer portfolio. With more than 10 years of experience in the banking market, Tecalis has a broad customer base and world-class partners in more than 20 countries. Its solutions are designed to solve the main challenges of the BFSI industry, including cost and time management reduction, improved customer experience and seamless security. --- ## Electronic signatures: definition and how to choose one **URL:** https://www.tecalis.com/blog/electronic-signatures-what-are-types-plans-choose-contract **Descripción:** Electronic signatures are applications that can be compared according to their plans and the features that each of them include. To choose a **reliable e-signature solution**, we must take into account the plans of the different applications and the **features** that go with them. There is a wide variety of e-signature players on the market and we must **compare their models in order to get a good price-performance ratio**. There are considerations about the **type of user** who is going to use a particular electronic signature tool, the type of **operation** he is going to perform with it or the level of **customization** he needs. These points, among many others, allow us to assess the quality of the electronic signature plan offerings. **Sign's plans** are adapted and designed to fit the needs of each person, professional and company, from an individual to a large multinational with thousands of daily operations. Below we will review what e-signatures are, **how they affect the plan configurations available on each platform**, and **explore Sign's e-signature plans** according to the features and meaning of each plan. ## **What are electronic signatures?** Electronic signatures are **trust services systems that enable one or more parties to digitally sign a document** in electronic format in such a way that it is sealed. Its content is accepted or a contract is defined through the **embedding of metadata that identifies the signatories of the agreement**, contract or negotiation. On the other hand, electronic signatures are digital representations of traditional handwritten signatures used to **authenticate and validate documents and transactions in digital environments either remotely, telematically or in person**. Like a handwritten signature on paper, an [**electronic signature**](https://www.tecalis.com/products/electronic-signature) demonstrates the signatory's approval or consent to a digital document, that he or she is in agreement with what is stated therein. However, unlike physical signatures, electronic signatures are applied virtually by electronic means, which speeds up processes, provides greater security and eliminates the need for paper documents. **Electronic signatures can vary in their level of complexity and security**. From a simple scanned image of a handwritten signature to advanced technologies such as [**advanced electronic signatures**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) with biometric authentication (such as facial recognition or voice biometrics), electronic signatures **offer a wide range of options for verifying the signer's identity and ensuring the integrity of the document**. ## **What is an electronic signature plan?** Electronic signatures are used in a **variety of contexts**, including **commercial contracts, legal agreements, financial transactions and more**. They facilitate the creation, sending and signing of documents efficiently, while complying with **legal and regulatory requirements established in different jurisdictions**. It should be remembered that some electronic signatures can be part of broader trust service systems, such as Tecalis. [**Digital signatures**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) **sealed by a QTSP partner are an advanced form of electronic signature that uses cryptography to guarantee the authenticity, integrity and non-repudiation of the signed document**. These signatures are especially used in situations that require a high level of security and legal validity. [**Electronic signature plans**](https://www.tecalis.com/products/electronic-signature/plans) are **delivery formats for different solutions based on features included per payment level**. Through the plans, a customized and segmented solution can be offered to different types of users. Electronic signature plans are the trusted service providers' way of **presenting their product to the market and dividing them by categories of use**. In this way, customers can choose between different prices, opting for "lighter" formats for those who need to perform essential operations as opposed to **large companies with very high transaction volumes and who also need to configure customized options or perform more complex transactions at a technical and regulatory level**. When choosing electronic signatures, it is important to take into account **the use cases in which they are to be applied**, since as a general rule, plans are executed with their application in mind and for certain operations that require a higher level of legal backing. Another important aspect of electronic signatures is their set of features and functionalities. Upgrading to a higher plan is often not so much due to technical and legal needs as to aspects related to **productivity and automation**. In superior e-signature plans we can find features such as **API integration, customized templates, organization and scheduling of mailings according to calendar, mass mailings or brand customization**. ## **Free electronic signatures plans** Most e-signature solutions start at their **most basic paid plan with simple, single-user oriented functionalities**. They are useful for **freelancers and especially for individuals who need to sign simple agreements** with a volume of less than **100 mailings per year**. **Tecalis Sign is the only qualified provider of trusted services in Spain that offers a free plan**. This means that all the functionalities that are usually included in the **"starter", "personal" or "essential" plans** of other electronic signature providers and that are paid for are already available in Sign's Free plan. By starting with a free plan in its plan structure, the functional capacity of the tool from the following ones onwards will be greater, since it does not start from a previous paid plan. The Free plan acts as an [**online signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf) solution with a high level of support by having the support of a QTSP provider in all operations, as well as a signature process with the same **UX/UI** as the Premium plans.  In this electronic signature plan you will find: * Simple **electronic signatures in** accordance with the requirements established by **eIDAS**. * **Parallel signature workflows** with a limited number of signatories per shipment, in this case **3.** * The documents are sent by **email** and the documents can contain up to 25 pages. * A **document manager** where you can **store all documents and keep track of their signature or interactions**. A guaranteed, agile and simple solution, suitable for any type of user looking to sign simple documents in both public and private, business and personal environments. ## **Starter Plan: For freelance professionals and small companies** The standard plan is aimed at professionals whose activity requires greater responsiveness to day-to-day business. Focused on **team collaboration, productivity and customization**, this [**eSignature**](https://www.tecalis.com/blog/esignature-what-is-e-signature-electronic-works-esign-signatures-esignatures) model allows for more user-centric actions with superior legal support. Being Tecalis Sign's first paid plan, this one already includes a set of advanced features having activated the basic ones for the previous one, the Free plan. It is important to note that **the payment plans include their assigned default features and functionalities in addition to a specific volume (package) of signatures per year according to type**. This is a standard in this type of plan but, on the other hand, we can **apply additional signature packages to these plans (also to the Free plan) to increase the volume**. That is, on the one hand we find the main subscription (the plan) - which includes a number of basic features and a package of associated volume of signatures and included in the price and that may be sufficient for many businesses - and on the other hand we find that in case of exhausting the credit (number of electronic signatures made) we can add more by purchasing a package. The packages can be of a specific type of signature, of several, etc. Now, with this first paid subscription**, we can perform medium and medium-high risk level operations thanks to the biometric advanced electronic signature included in this plan**, with a series of 75 annual shipments for this type of basic electronic signatures. At the functional level, the upgrade is considerable because it activates the professional options necessary to be able to **seal documents of all kinds, under any circumstances and with a high level of evidentiary support and traceability**. In a Standard plan of electronic signatures of Sign **you will find all the advantages and benefits of the Free Plan plus**: * Certified communication is added ([**e-notices**](https://www.tecalis.com/blog/e-notices-enotices-electronic-notifications-notice-enotice-published-companies) eIDAS homologous to the burofax). Determinant in a large number of industries. * Creation of **forms** through **custom fields** in all documents. This can be done through **templates** to increase productivity with the use of the platform. * **Scheduling of sequential** electronic signature delivery and **workflows.** * Sending electronic signature requests via **SMS** or with QRs generation. * **Observer** role in a signature process and document or request **expiration.** * **5 years of document custody by an official RegTech partner.** * Platform functionalities conditioned to extended units, such as larger document size or pages. Thus, the Tecalis standard electronic signature plan improves productivity and facilitates employees' tasks by highlighting as its main functionality the advanced electronic signature: a model that in most other electronic signature players is only available from higher plans. ## **Business Plan: SMBs and high-growth businesses** The electronic signature premium plan in Sign aims to **respond to the needs of businesses whose activity would not be possible without the use of electronic signatures or companies that wish to use it to do more business at a lower cost**. This plan includes functionalities that users from **different company departments** use to be faster and **sign contracts with a medium or high level of risk**. Therefore, here we can find the eight [**types of electronic signatures**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) offered by the provider, so that **each operation is adapted to the use case that applies**.  Sign's Premium eSignature plan **includes all the features and functionality of the Standard Plan as well as other advanced options to drive business growth across all industries:** * Verification of the signatory by means of **official identity documentation** (with inclusion or by means of collection with OCR system). Essential for advanced use cases and high risk contracts. * [**Alis GPT**](https://www.tecalis.com/blog/how-to-use-chatgpt-chat-gpt-alis-alisgpt-4-english-utilize), the **automated document and** smart **contract generator** based on the most advanced **AI** technologies (specialized generative language model). It includes an editor that can be used to structure the created document or the possibility to export it for editing in another application of the user's preference and upload it back to the platform for delivery. * **Automated mass mailings** to company databases. * **Brand customization with the** company's **branding** and logo as well as other integration options with the business interface. * Superior **SLA support** with preferred platform availability. * Ability to add **teams management** and more than a single user. * Embedding of **attachments** in the same email and the possibility of sending **envelopes** for signature in a single process. * **OTP signature and digital certificate manager**. * **Know Your Customer (KYC/AML6) verification** of the signatory with reliable proof of life for e.g. bank account opening, **contracts with financial component** and other **high-risk** use cases. * Mobile APP for face-to-face signing in the business through push notifications.  * It allows you to **request payments, store data and build a scalable business model.** * **Signature delegation and collaboration platform between signatories with a module for comments, changes and versioning of documents until the final signature**. This plan maximizes the possibilities of a business by enabling **new use cases** such as remote contracting, avoiding the need for users to travel to a physical location to verify their identity. With the Premium eSignatures plan, businesses can count on a **legal and technological partner that seals all their operations according to the most demanding technical and legal requirements while** minimizing the time needed by employees in all areas (**sales, operations, human resources, purchasing...**) to perform their tasks. ## **Superior Enterprise Options and Customized Offers: Large Enterprises** For **more complex contracting needs and specific models**, especially in terms of **volumes** of electronic signatures, the higher options are indicated. To this end, customers who believe that their company needs to **obtain an ad-hoc offer due to the nature of their activity or the number of** monthly/annual **e-signatures to** be done are recommended to contact directly the experts of the trusted service provider. In this model, we are no longer talking about an off-the-shelf subscription or plan, but a tailor-made **configuration for a customer that requires enhanced capabilities**. With **specific management** tools**, native integration into the business' own systems and channels**, and advanced workflows with triggers enabled by RPA technologies, leading businesses in all industries are able to boost their activity and improve KPIs in all areas thanks to e-signatures. Sign's Enterprise eSignature configurations **have all the capabilities, tools and features of the Premium Plan as well as ad-hoc integrations and other functionality**: * **Customized volumes** of electronic signatures at a competitive price. * Single users per team or area. * **Full regulatory support** in dynamic configurations by type of operation in the business and by user. * **Unlimited templates**, unlimited single signatures, maximum level of support and an **account manager** or team assigned to work on the project. * **API integration** in all digital, telematic and face-to-face channels of the business in any device, OS and own or third-party system. * **Personalized behaviors** thanks to AI technologies Robot Process Automation. * **The maximum level and amount in** unit-dependent **configurations.** Consult all **Tecalis Sign plans** and their functionalities or contact us directly to ask us your questions and **analyze with our experts free of charge which options are best suited to the day-to-day running of your business and your teams**. --- ## Nonrepudiation: What is it and how do you ensure it? **URL:** https://www.tecalis.com/blog/non-repudiation-what-is-signature-example-guarantees-deniability **Descripción:** Non-repudiation is a status on a statement, message, signature or contract in which the author or recipient cannot deny participation and validity. Today, in environments where **security and trust in electronic transactions** are of utmost importance, non-repudiation is one of the pillars of these. **Non-deniability** and non-repudiation have become **essential to ensure that actions performed online cannot be denied by the parties involved**. **As digital** transactions and **communications become more voluminous and automated by AI systems**, it is crucial to understand how to **protect the integrity and authenticity of these interactions**. From digital signatures to certified emails, there are multiple tools and technologies designed to ensure that **parties cannot disavow their participation in a transaction**.  In this article, we will explore in depth what non-repudiation means, its importance in IT security and **how it can be ensured in various applications and contexts**, and we will also examine concrete examples of non-repudiation and **how they are applied in different industries and operational areas.** In addition, we will discuss **the role of trusted third parties (TTPs) and Qualified Trust Service Providers (QTSPs) in implementing non-repudiation in all types of transactions**. These entities play a vital role in identity verification and transaction authentication, providing a solid framework for digital security. Join us on this journey to better understand how you can protect your electronic transactions and ensure non-repudiation in your digital communications ## **What is non-repudiation** **Non-repudiation is the ability to ensure that a sender cannot deny having sent a message or performed an action, nor can a receiver deny having received such a message or performed any kind of intervention in relation to a transaction**. In other words, none of the parties involved can repudiate, deny or renounce their participation in the transaction in question. The term "non-repudiation" refers to this **ability to ensure that an action or transaction cannot be denied** by the parties involved when it is **desired to argue the fact with hard evidence**. In digital and IT security, non-repudiation is crucial to **ensure the integrity and authenticity of communications and transactions**. This concept is used to ensure that, for example, once a party has signed a document or entered into a transaction, it cannot later deny having done so. **Non-repudiation is therefore** a fundamental principle for trust in electronic systems and is synonymous with the phrase and concept "non-deniability" and opposite to plausible deniability. Non-repudiation consists of **two main aspects**: 1. **Non-repudiation at source:** The sender cannot deny having sent a message. 2. **Non-repudiation at destination:** The receiver cannot deny having received a message. Previously, the ISO-7498-2 standard was used to understand this concept and its standards as was the originating standard for electronic security services, most recently supported by the UNE-ISO/IEC 27000:2014 standard. Other related models are NIST-SP800-53:2013 and RFC4949:2007 for services for sending and receiving classified information. For two-way exchanges (NRI) of exchange, ISO-13888-1:2004 and NIST-SP800-60V2:2004 standards were developed at the time. The implementation of non-repudiation is crucial in several scenarios, such as: * **Electronic contracts or** [**smart contracts**](https://www.tecalis.com/blog/smart-contracts-contract-what-are-for-examples-type-advantages-work)**:** Allows verification of the signature and authenticity of the parties involved in a digital contract of any kind. * **Financial transactions:** Guarantees the integrity and origin of payment orders or electronic transfers. * **Certified communications and** [**e-notices**](https://www.tecalis.com/blog/e-notices-enotices-electronic-notifications-notice-enotice-published-companies): Ensures the authenticity and origin of notifications, messages, information, summons or legal documents sent by traceable electronic means. ### **On the principle of non-deniability or non-repudiation** The principle of **non-deniability has its roots in legal doctrine** and makes it possible to establish **conclusive proof of the authorship and integrity of information transmitted or of an action taken**. It ensures that a **previous statement, a commitment made or an action taken cannot be refuted,** thus protecting the interests and rights of all parties involved and ensuring that they fulfill their responsibilities and obligations. In the field of computer security and digital communications, non-repudiation (also known as non-deniability) refers to a fundamental principle that **guarantees the impossibility for one of the parties involved in an electronic transaction to deny having participated in it and to alter what happened or was sent without record.** This principle **applies to both the sender and the receiver** of the message (or the **executor and the affected party in an action or transaction**), ensuring that both can reliably prove their participation in the communication. ## **How is non-repudiation guaranteed?** Unwaivability **is implemented through various security techniques and digital tools**, including [**electronic signatures**](https://www.tecalis.com/products/electronic-signature), timestamps and third-party services that act as guarantors of the authenticity and integrity of documents and transactions. These techniques **ensure that any modification or attempt to deny a transaction can be easily detected and proven**. The principle of non-repudiation is based on the implementation of **cryptographic** and computer security **mechanisms** that allow the **generation of irrefutable and legally binding evidence that can be presented in a trial or legal dispute** of the participation of the parties in an electronic communication. This evidence can be of diverse nature, such as: * **Digital signatures:** They use cryptographic algorithms to link a message to the identity of the sender, guaranteeing its authenticity and integrity. * **Timestamps: These** allow verification of the exact date and time a message was sent or received. * **Audit trails and behavioral analysis:** Document the actions taken by the parties involved in an electronic transaction. * Use of **secure communication protocols**: Protocols such as HTTPS, TLS or SSH guarantee the confidentiality, integrity and authenticity of electronic communications. * Implementing **access controls and auditing**: It is essential to establish strict access controls to protect systems and data, and to maintain audit trails documenting actions taken by users. * User awareness and **training**: It is crucial to educate users about the risks associated with electronic communications and the security measures needed to protect themselves. The effective implementation of non-repudiation requires the **use of public key infrastructures (PKI) and trusted certification authorities (CA)**. These entities are responsible for issuing and managing digital certificates that **bind an identity to a public key, enabling the authentication and digital signature of electronic messages**. ### **Benefits and why to guarantee the non-repudiation of your transactions** Ensuring non-repudiation is essential to: * **Protecting** commercial and legal **transactions** online and in person * Safeguarding the **validity of contracts**  * **Endow** electronic communications and transactions of all kinds **with full legal value.** * Preserving **trust and security** in critical business and organizational processes Ensuring non-repudiation in electronic transactions and digital communications is a **complex process involving multiple technologies and practices**. This capability is essential to prevent fraud and disputes in a variety of contexts, from e-commerce to government communications. ## **Examples of non-repudiation** Non-repudiation can be **found in any situation and application, in all industries** and in all circumstances. It is the willingness of companies to **establish secure means for an action or sending of information to be properly recorded**. Below are some prominent examples of non-repudiation: * Legally binding signatures in digital **contracts** * Online **banking** and stock exchange **transactions** * **Sending** confidential **data** by e-mail * Transmission of **orders, invoices or delivery notes** * **Activation or cancellation of products and services** * Official **communications** between government agencies or between **customers** and companies or **suppliers** * **Settlements** and other **commercial** transactions * Electronic **health** records **and medical records** ## **Digital signature, certified e-mail and electronic communication** [**Digital signatures**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) are one of the most effective tools to guarantee non-repudiation. They use public key cryptography to **create a unique signature linked to the document and the signer's identity**. The process involves the generation of two keys: a private key, which is used to create the digital signature, and a public key, which is used to verify it. The **security of a digital signature lies in the difficulty of forging the private key and the ability of the public key to verify the authenticity of the signature**. When a person digitally signs a document, the digital signature software creates a **hash (cryptographic summary) of the document and encrypts it with the signer's private key. This encrypted hash is attached to the document as the digital signature**. Any attempt to alter the document after signing will result in a different hash, invalidating the signature and providing evidence of the alteration. If any data in the signed document is altered after the signature, the digital signature will be invalidated, providing an additional layer of security. [**Certified mail or registered email**](https://www.tecalis.com/blog/certified-email-registered-what-is-electronic-mail-digital-e-mail-certificates-free-send-emails) is another mechanism that guarantees non-repudiation, as is another very similar medium such as [**certified SMS**](https://www.tecalis.com/blog/certified-sms-certificate-what-is-legal-notifications-legal-electronic-registered-how-to-example). This type of **service and channels** not only confirm the delivery of the email but also its content and the exact time of sending, receiving or reading. Certified email and SMS providers issue an **acknowledgement of receipt (full audit report with evidentiary traceability and audit trail E2E)**, which serves as **legal proof in case of disputes**. To ensure non-repudiation in electronic communications, it is essential to use protocols and services that ensure the authenticity, integrity and confidentiality of messages. Examples of these services include the use of HTTPS, TLS and other encryption methods that protect data in transit. ## **IT security and non-repudiation** In computer security, non-repudiation plays a critical role in the protection of data and the integrity of computer transactions. Computer security systems must be able to provide irrefutable evidence of the authenticity and integrity of electronic transactions. This includes the **ability to trace and verify the origin of messages and transactions**, as well as ensure that they have not been altered in transit. Security technologies such as public key **cryptography (blockchain)**, digital certificates and trusted third-party services are essential to implement non-repudiation. These technologies provide the means to create, verify and store unalterable records of electronic transactions, which can be used as evidence in case of disputes. In addition, the **use of detailed IT security logs and audits** is crucial to ensure non-repudiation. Systems must maintain detailed records of all transactions and activities, including timestamps and authentication data, which can be reviewed and verified at any time. ## **How to achieve non-repudiation in your operations: Trusted Third Parties TTP and QTSP** To ensure non-repudiation in electronic transactions, it is common to **use the services of trusted third parties (TTPs) and Qualified Trust Service Providers (QTSPs)**. **TTPs** are **independent entities that act as trusted intermediaries in electronic transactions**. They provide services such as issuing digital certificates, authentication systems, [**identity verification**](https://www.tecalis.com/blog/identity-verification-kyc-aml) **and digital signatures**. By using the services of a TTP, parties to a transaction can have confidence that their communications and documents are authentic and cannot be repudiated. **QTSPs** are entities that comply with the requirements established by the European **eIDAS (electronic IDentification, Authentication and trust Services)** regulation. These providers offer **qualified trust services**, including the issuance of qualified certificates for electronic signatures and electronic seals, which **guarantee a higher level of security and non-repudiation**. Services provided by QTSP include: * **Electronic Signature Platforms and Digital Onboarding**: They guarantee that the electronic signature is created by a secure signature creation device and that the signer's identity has been verified according to the highest standards. * **Qualified Electronic Seals**: They ensure the authenticity and integrity of electronic documents issued by legal entities. * **Qualified Time Stamps in business management platforms such as Customer Hub**: They provide irrefutable proof of the exact time a document was signed or issued, a customer was signed up, a phone line was activated or a bank account was opened, adding an additional layer of non-repudiation. * **Electronic Delivery Services**: Guarantee the secure delivery and integrity of data sent electronically, ensuring that the sender and recipient cannot deny having sent or received the data. ### **Implementation of system for non-deniability and non-repudiation** To implement non-repudiation in transactions, it is essential to follow certain steps to ensure non-repudiation and to use the appropriate technologies provided by QTSPs validated by the EU or other counterpart bodies: 1. **Strong Authentication**: Ensure that all parties involved in a transaction are authenticated using strong methods, such as multi-factor authentication. 2. **Use of Digital Signatures**: Implement digital signatures for all major transactions, ensuring that signatures are verifiable and linked to the signer's identity. 3. **Records and Audits:** Maintain detailed records and audits of all transactions, including timestamps and authentication data, to provide evidence in case of disputes. 4. **TTP and QTSP services**: Use TTP and QTSP services to guarantee the issuance of digital certificates and identity verification, ensuring that all transactions are secure and non-repudiable. 5. **Training and Awareness**: Educate all users and employees on the importance of non-repudiation and best practices for maintaining the security and integrity of electronic transactions. In short, non-repudiation is an essential component of IT security and trust in electronic transactions and business operations of all kinds. By using advanced technologies and trusted third-party services, it is possible to ensure that all transactions are authentic, integral and non-repudiable, **protecting both organizations and individuals in the digital world**. --- ## What is e-procurement and how to choose the best tools **URL:** https://www.tecalis.com/blog/e-procurement-electronic-procurement-supply-business-b2b-supplies-purchase-sell-business **Descripción:** e Procurement is the process of managing supply chain and purchasing through electronic contracting and automation of a company. Electronic procurement, known as e-procurement, is a system that uses information technology to **automate and optimize an organization's purchasing and supply processes for goods and services, as well as related processes**. This modern approach not only improves **operational efficiency**, but also provides greater transparency and control in procurement.  Also known as e-procurement, these practices and operations have been gaining **importance in recent years**, as they allow companies to enable **new use cases** resulting in great cost savings and the opening of a wide range of possibilities to **offer more and better products and services.** In this article, we explore in depth what e-procurement is, its characteristics, functionalities, types, application examples, technological tools and the **numerous benefits it offers to businesses in many industries**. ## **What is e-procurement** E-procurement is the **process of acquiring goods and services through digital platforms with large automation models**. Even so, and more recently, this discipline and its associated technologies **are increasingly used to optimize and automate all kinds of processes of a company**, highlighting the **commercial and sales channel management** aspect.  This system integrates **various supply chain functions**, from **purchase requisition** to final payment, using **specialized software and database** technologies. The main objective of e-procurement is to optimize purchasing processes, reduce costs, increase efficiency, enhance **compliance and security**, and improve visibility and control of transactions. Electronic procurement **works across a wide range of activities** including **supplier sourcing, contract negotiation, order management** and delivery **tracking.** By digitizing these processes, companies can significantly reduce the time and effort required to manage their procurement, while also minimizing the risk of human error and improving data accuracy. These **integrated** e-procurement **systems manage the entire procurement cycle of a company**, from the identification of needs to the **payment of suppliers**. Different information and communication technologies are used through specialized software to carry out the different stages of the procurement process electronically. In essence, e-Procurement digitizes and centralizes a company's procurement management, **eliminating the need for manual** and paper-based **processes.** This is achieved through the implementation of **electronic platforms that facilitate interaction between the company and its suppliers, employees, sales channels or business partners**, automating workflows, streamlining communication and improving transparency throughout the process. ## **Main features and functionalities of e Procurement** E-procurement encompasses various **activities such as sourcing** (finding and selecting suppliers or sales partners), **order management**, receiving goods and services, **invoice reconciliation and payment**. All of this is done through digital platforms and **online tools**, largely eliminating paperwork and manual processes. Thus, eprocurement is characterized by several key functionalities that differentiate it from traditional purchasing methods. **Some of the most salient features of e-procurement include**: * **Process automation**: e-procurement enables the automation of **repetitive and administrative tasks**, such as **order creation and tracking**, **inventory** management and invoice **reconciliation** or **commission settlement**. * **Electronic catalogs:** Provides access to **suppliers' digital catalogs**, facilitating the search and selection of products and services. * **Integration with ERP/BSS systems**: E-procurement systems are often integrated with other business systems, such as ERP (Enterprise Resource Planning) or [**BSS (Business Support Systems)**](https://www.tecalis.com/blog/bss-what-is-how-it-works-business-support-system-telecommunications-oss), allowing a **more coherent and efficient management of the commercial resources of a business in all its channels.** * **Transparency and** control: Improves **visibility into transactions** and compliance with purchasing policies, **reducing the risk of fraud and errors**. * **Analysis and reporting**: Provides **analysis tools to monitor and evaluate the performance of purchases throughout the commercial network in real time**, identifying areas for improvement and opportunities for savings. E-procurement solutions usually have a **wide range of functionalities to efficiently manage the procurement process and other business operations**. Some of the most outstanding functionalities of e-procurement systems are: * **Electronic catalogs of products and services** * Online ordering and **approvals** * **Registration of new products and services on sales platforms** * Management of purchase orders, **orders, point of sale stock, etc.** * Integration with ERP, BSS, CRM and accounting systems * Receipt and control of [**electronic invoices**](https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation) * **Sourcing** and bidding modules * **Management of contracts** and SLAs with suppliers * **Reporting and analysis** of expenses and other business metrics associated with purchases and sales Most manual tasks, such as order creation, invoice approval and contract management, are automated, reducing the time and cost of operations through these new e-procurement models. All purchasing-related information is stored in a central repository and connected to the [**OSS/BSS systems**](https://www.tecalis.com/blog/oss-bss-operational-and-business-support-systems-what-is-difference-telecommunications) used at the points of sale, facilitating data access and analysis for strategic decision making. On the other hand, e Procurement platforms facilitate **communication between the company and its suppliers, improving collaboration and efficiency in purchasing management thanks to platforms that are 100% automated and connected to sales and business activation tools**. Electronic recording of all transactions increases transparency in the procurement process, reducing the risk of fraud and errors, and e-procurement platforms help companies comply with applicable procurement rules and regulations. ### **Steps in the Procure to pay process** The e-procurement process has a series of stages and steps. Also known as **"procure to pay" (P2P)**, it encompasses several stages that **guarantee efficiency and effectiveness in procurement management from an integral model**. Each company establishes its own e procurement processes and systems with its own stages and phases, but we can consider the following as generic and standardized to obtain a simple view of the e-procurement process: 1. **Identification of needs**: It begins with the identification of the needs for goods or services within the organization. 2. **Purchase request:** A purchase request (requisition) is generated and approved by the corresponding managers or according to the policies defined to be done in an automated way. 3. **Sourcing and supplier selection:** Using electronic catalogs or requesting quotations, suitable suppliers are selected. 4. **Negotiation and contract:** The terms and conditions of the purchase are negotiated, formalizing the contractual agreements. In the same way, this phase can be planned and models are created according to the type of operation, which is approved or not depending on what is marked or the moment (with dynamic models). 5. **Issuance of purchase orders:** Purchase orders (PO) are issued detailing the products or services, quantities and prices agreed upon. 6. **Receipt of goods or services:** Goods or services are delivered and checked for compliance with order specifications. 7. **Invoice validation and approval:** Invoices from suppliers are received and verified, ensuring that they match purchase orders and goods received. 8. **Payment to suppliers:** Finally, payments to suppliers are processed, completing the procurement cycle. 9. **Accounting and bookkeeping:** Integration with ERP, BSS and OSS systems for bookkeeping and accounting. 10. **Reporting and analysis:** Obtaining reports and metrics for analysis and decision making. ## **eProcurement related tools and technologies** The success of e-procurement **depends on the tools and technologies used to implement and manage the various business processes**. Some of the most common tools and technologies include: * **e-procurement platforms**: Specialized software that automates and optimizes purchasing processes and other commercial elements, such as [**Tecalis Customer Hub**](https://www.tecalis.com/products/customer-hub-sales). * **Inventory management systems**: Tools that help companies manage their inventories efficiently and with direct connection to the different points of sale in their own and alternative channels. * **Supplier Relationship Management (SRM) Systems**: Software that facilitates the management of supplier relationships and communications. This includes **supplier search** systems **with** [**KYB (Know Your Business)**](https://www.tecalis.com/blog/kyb-know-your-business) **technologies.** * [**Electronic invoicing**](https://www.tecalis.com/blog/electronic-invoice-e-invoicing-digital) **automation:** Tools that automate the electronic invoicing process, such as Tecalis Sign. * **Electronic payment solutions**: Platforms that allow secure electronic payments. * **Digital catalogs: Databases** with the products and services of suppliers in systems known as punch-out. * **Mobile technologies**: Apps for managing orders and approvals from mobile devices such as the one available in **Customer Hub's** [**Advanced Business Management Center**](https://www.tecalis.com/products/customer-hub-sales/crm-channel-management-pos-customers-point-of-sale). * Artificial intelligence: Virtual assistants, chatbots and automated recommendation engines. * **Blockchain:** Decentralized records for increased transparency and traceability. Complete tracking of **orders and deliveries with audit trail and time stamp in all phases of the** [**supply chain**](https://www.tecalis.com/areas/supply-chain-purchases-procurement) **process (purchasing and procurement)**. * **Integration with ERP systems:** Connection with central business management systems. * **EDI (Electronic Data Interchange):** Electronic exchange of standardized documents between systems. * **Contract signing and negotiation tools**: **Digital and** [**electronic signatures**](https://www.tecalis.com/blog/electronic-signatures-what-are-types-plans-choose-contract) play a fundamental role in these systems, integrated by APIs generally. * **RPA automation of all types of procurement processes**: Thanks to AI and RPA tools such as Tecalis Automation, companies have reduced their costs and brought errors to minimal levels. ## **Types of e-procurement** There are different types of electronic procurement, **each adapted to the specific needs of organizations and system models**. The main types of e-procurement are: * **Direct purchase**: Involves the acquisition of materials and services that are used directly in the production of goods or services of the company. * **Indirect purchasing**: Refers to the purchase of goods and services that are not directly related to production, such as office supplies and maintenance services. * **By auctions**: The e-supply chain and e-procurement process is done by automated auctions connecting buyers and sellers directly. It can be **e-reverse auctioning** by working with both known and unknown suppliers. * **Specialized in B2G**: Operations related to public administrations and governments, which have their own rules and standards of operation, stand out. There are also those specialized only in B2C or B2B. If we take into account the technologies they use and the program model that works on eprocurement, we can find other types of e-procurement **categorized as follows**: * **E-sourcing (electronic profiling)**: The process of finding and evaluating potential suppliers using electronic tools. * **E-tendering**: Involves the solicitation and receipt of bids through electronic platforms to select the most suitable supplier. * **E-invoicing:** Consists of issuing and receiving electronic invoices, simplifying and speeding up the invoicing and payment process. * **E-payment**: Refers to electronic payments, which reduces processing times and improves the security of transactions. * **Based on large volumes of information (e-informing)**: Requests are sent based on transaction information obtained through the Internet and market databases. * **Web models based on ERP constructions**: Those that merged with other systems act in a coordinated manner to create, approve, place and forward purchase orders and manage logistics. There are extended models with goods and services that are not related to **MRO** products **(e-MRO (Maintenance, Repair and Overhaul**)). * **Electronic catalog (e-catalog)**: Platform with the catalogs of products and services of contracted suppliers in a Punch-Out system. * **Order management (e-ordering)**: Issuance, approval and follow-up of purchase orders. It is a part of the sub-process. * **E-procurement marketplaces (e-procurement marketplaces, ecommerce or e-marketsites)**: Virtual marketplaces of buyers and sellers directly connected and generally fully automated. ## **Examples and where to apply electronic procurement**  E-procurement can be applied in a **wide variety of industries and sectors** (virtually all, regardless of whether it is a product or service business). Some examples include: * **Manufacturing**: Manufacturing companies use e-procurement to manage the acquisition of raw materials and components needed for production. * **Retail**: Retailers use e-procurement platforms to manage inventories, orders and supplier relationships. * **Telecommunications and utilities**: In the telco and energy sectors, we have many examples of improved sales processes thanks to eprocurement. * **BFSI**: In banking, financial services and insurance we find a variety of specialized systems as well as RegTech tools that use electronic procurement techniques to cross-sale banking apps, for example. * **Public sector**: Governments and public institutions implement e-procurement to ensure transparency and efficiency in public procurement. * **Healthcare**: Hospitals and clinics use eprocurement to acquire medical supplies and equipment efficiently. * **Technology**: Technology companies use e procurement to acquire hardware, software and technical services needed for their operations. * **Professional services**: Hiring of external services such as consulting, advertising, maintenance, etc. * **Regulated sectors**: Perfect for securing all types of processes and acquisitions in highly regulated environments such as healthcare, energy, defense, etc. ## **Advantages and benefits of e-procurement** The implementation of an e-procurement system offers numerous benefits to organizations. In this way, e-procurement has become a **key element in the digital transformation of sales and purchasing processes**, maximizing operational efficiency and drastically reducing the costs associated with the supply chain. Among the most outstanding advantages and benefits of e procurement, we find: * **Cost reduction**: By automating purchasing processes and eliminating inefficiencies, companies can significantly reduce operating costs. * **Increased operational efficiency in the commercial area**: The digitization of procurement processes reduces the time and effort required to manage purchases, allowing employees to focus on strategic activities. * **Improved transparency and compliance**: e-procurement provides greater visibility into transactions and compliance with purchasing policies, reducing the risk of fraud and errors. * **Improved control and management**: Analysis and reporting tools enable companies to monitor and evaluate their purchasing performance, identifying areas for improvement and opportunities for savings. * **Stronger supplier relationships**: Efficient supplier relationship management can improve collaboration and negotiate better terms and conditions. * **Integration and collaboration between areas**: Direct connection with information systems and suppliers, collaborative work. * **Optimized expense management**: Centralization of purchases, in-depth data analysis, identification of savings, etc. * **Improved service quality**: Customer and end-user satisfaction as well as providing a better climate for motivated sales agents, employees and collaborators, partners. In conclusion, e-procurement is an essential tool for modern organizations seeking to improve efficiency, reduce costs and increase transparency in their procurement processes. By adopting advanced technologies and automating procurement processes, companies can achieve a **significant competitive advantage and better position themselves to meet the challenges of the global marketplace**. Implementing a well-designed eprocurement system not only **improves purchasing and sales management immediately**, but also **drives long-term growth and sustainability**. --- ## 10 Fraud and Identity Trends worth watching **URL:** https://www.tecalis.com/blog/challenges-trends-identity-verification-fraud-kyc-kyb-identification-authentication-risk **Descripción:** Identity verification and related fraud have evolved but still face many challenges to address nowadays. Improvements of various **technologies related to identity verification, information and document validation as well as anti-fraud controls** has brought countless benefits, but has also significantly increased the sophistication of fraudulent activities by criminals.  In today's digital environment, where **AI** and digitization are booming with exponential growth, **companies are facing unprecedented challenges and challenges** A. Below, we **explore the ten most critical challenges, trends and developments facing organizations in this area that you should not lose sight of**. ## **Challenges to work on:** ### **1\. Regulations and compliance updates** Regulatory compliance is a **constant challenge** for businesses, especially with increasing regulation around privacy and data security. The **EU's AI Act** and the development of regulatory frameworks such as the UK's AI white paper are examples of **how authorities are responding to emerging threats**. **Companies need to keep up to date with these requirements** and adapt their verification and fraud prevention strategies accordingly. Standards such as [**eIDAS 2**](https://www.tecalis.com/ebooks-whitepapers/eidas2-eudi-wallet-european-digital-identity), which have been designed to strengthen electronic identification and trust services in the European Union, face the **challenge of harmonizing the different national legislations on digital identity**, guaranteeing the **interoperability and security** of identification systems. Their implementation is essential to facilitate digital transactions and companies will have to adapt very soon as they will be obliged to identify their users through their **EUDI digital wallets**. ### **2\. AI-generated fraud** Fraud generated by artificial intelligence (AI) has experienced exponential growth since 2020. According to reports, cases of **deepfakes increased more than 10 times between 2022 and 2023**. The most affected regions were North America and Asia-Pacific, with increases of 1,740% and 1,530%, respectively.  One notable case is that of **a multinational company in Hong Kong that lost more than $25 million because a fraudster used deepfake technology to impersonate the** company'**s CFO.** This type of fraud not only causes massive financial losses, but also undermines trust in digital communications. Therefore, it is **imperative to have** secure and reliable **Know Your Customer and Know Your Business technologies in place to** mitigate the risks of this type of fraud. ### **3\. More BFSI muleteers** The use of **money mules**, individuals who **use the legitimate banking credentials of others** to launder illicit funds, is on the rise. In 2023, **Europol identified 10,759 money mules and 474 recruiters**, with reported losses totaling €100 million.  In the United States, one individual managed to launder more than $2.8 million over three years for a scammer he met online. The vulnerability of young people is of particular concern, with 23% of reported cases in the UK involving people under the age of 21. **Companies should adopt strategies such as risk assessment of applicants with** [**due diligence tasks**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) **and KYB transaction monitoring to combat this phenomenon**. On the other hand, **forced verification**, where someone goes through a verification process çpp\`,against their will, has increased by 305% between 2022 and 2023. These cases can involve people who are unconscious or under threat of violence. Although less common than other forms of fraud, it is crucial to **detect these incidents through liveness checks and the identification of atypical user behavior and suspicious background noises, controls integrated into KYC systems such as Tecalis Identity**. ### **4\. Fraud in authorized payments**  **Authorized payment fraud (APF)** is a scheme where criminals trick victims into sending payments to fraudulent accounts. **According to Visa, 1 in 3 consumers have fallen victim to this type of fraud**, with total losses of £239.3 million (approximately $303 million) in the first half of 2023 in the UK alone. **Businesses need to educate their customers about these risks and establish procedures to verify the authenticity of payment requests by complying with SCA secure authentication regulations set by standards such as PSD3**. **Multi-factor authentication (MFA-SCA), digital signature and biometrics** have become fundamental pillars for identity verification in payments. **SCA and FIDO standards** combine two or more authentication factors, such as passwords, fingerprints and facial recognition, to enhance security. According to a Microsoft report, **99.9% of account attacks can be prevented using MFA with biometrics and digital signature**. On the other hand, facial biometric technology has also gained ground; the biometrics market is expected to reach $68.6 billion by 2025, according to Grand View Research, driven by adoption in sectors such as banking and healthcare. ### **5\. Synthetic identities?** Synthetic identity fraud **involves the creation of false identities using real and fictitious information**. This type of fraud is particularly difficult to detect and has grown exponentially in recent years. According to the U.S. Federal Trade Commission (FTC), **reports of synthetic identity fraud increased 43% in 2022**. Criminals use these identities to **open bank accounts, obtain credit cards and perform other fraudulent activities, representing a loss of billions of** dollars for financial institutions. The main causes of this increase are human vulnerabilities and deficiencies in the platforms' [**digital onboarding ecosystems**](https://www.tecalis.com/blog/digital-onboarding-customers-employees), such as the lack of additional authentication and KYC processes with robust technology. To mitigate these risks, it is crucial to implement multi-factor authentication, biometric verifications, **KYC forms, KYB technologies, IP address monitoring, etc.** ## **News and key trends:** ### **1\. New transformative initiatives: Further guarantees needed** Worldcoin, founded by OpenAI co-founder Sam Altman, is revolutionizing digital identity verification with its **World ID** concept. Using a **device called an "Orb" that scans a person's iris**, Worldcoin creates unique digital IDs that are nearly impossible to forge. This innovative approach addresses critical issues such as the creation of fake identities and AI impersonation (challenges we've seen previously), providing a secure and accurate form of biometric verification that promises to significantly reduce online fraud. However, in markets such as Spain, **the Data Protection Agency stopped all operations of this organization** because it considered that it did not manage biometric assets in a good and transparent way. It is crucial that new initiatives are audited in the same way that **Qualified Trust Services Providers** are **audited and supervised by government agencies such as the European Commission.** These players, who comply with standards such as eIDAS 2, do **not store biometric information** (although they process it for verification with care and in strict compliance with RGPD standards) **and their management of identities is secure and reliable**. In addition to Worldcoin, other transformative initiatives are emerging in the realm of identity verification and fraud prevention. The adoption of **blockchain for the creation of decentralized digital identities** is gaining traction, offering a secure and transparent way to manage identities without relying on a central authority. The implementation of advanced biometric technologies, blockchain and AI not only improves security, but also increases efficiency and trust in digital transactions. However, **their mass adoption will depend on the ability to overcome challenges related to privacy, security and technology infrastructure**. ### **2\. AI and machine learning inside RegTech** Artificial intelligence (AI) and machine learning are revolutionizing identity verification and fraud prevention. These technologies make it possible to **analyze large volumes of data to identify patterns and anomalies that could indicate fraud**. According to Gartner, **it is expected that by 2025, 60% of companies will use AI in their identity verification processes, up from 30% in 2022**.  However, this adoption also involves risks, such as the possibility of biases in the algorithms that can lead to false positives or negatives in identity verification. Fortunately, rules such as the EU AI Law mentioned above and the standards set by eIDAS 2 make many **RegTech players certified in this area 100% reliable, making the use of AI and ML technologies fully secure, transparent and human-centered for the benefit of both users and businesses**. ### **3\. Blockchain: new use cases each week** Blockchain offers a secure and decentralized way to verify identities, which can revolutionize the industry. **The technology enables the creation of digital identities and immutable** [**electronic signatures**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) **that are impossible to forge**.  A MarketsandMarkets report projects that **the market for blockchain technology in identity verification will grow from $2.1 billion in 2022 to $14.1 billion in 2027**. However, blockchain adoption also faces challenges, such as interoperability between different systems and regulatory adjustment. ### **4\. Back to hardware: Relying on NFC** The **security of NFC chips** in official ID cards and passports and the adoption of **zero trust architecture** are important trends in identity verification given their **versatility**.  **Mutual authentication and advanced cryptographic methods** ensure the privacy and integrity of data **exchanged between NFC chips and readers**, while zero trust architecture verifies each access request before granting fast permissions. This is widely used in **e-passports, ID cards and mobile payments**, providing an **additional layer of security through mutual authentication in conjunction with biometrics**. The implementation of NFC further strengthens fraud protection by ensuring that each access request is rigorously verified before being approved with an extra authentication factor, which is **vital in environments where data security is paramount and for triggering sensitive transactions**. ### **5\. Identity as a service and user experience** As the technology behind identity verification advances, so does the focus on user experience. In 2024 and beyond we will see the **integration of seamless verification processes, e-recruitment and anti-fraud controls** that do not sacrifice user convenience. Companies will focus on **minimizing customer friction** while maintaining rigorous security protocols. On the other hand, demand for **identity verification platforms as a service** is on the rise as more companies undergo digital transformation. These solutions offer **flexibility and efficiency**, **enabling small and medium-sized enterprises to adopt sophisticated identity verification systems without the need for a large upfront investment or even** [**completely cost-free QTSP e-signature platforms**](https://www.tecalis.com/news/tecalis-sign-free-electronic-signature-launch)**.** ### **6\. Bonus track: constant improvement of verification systems** Liveness detection (active and passive proof of life) is a technology that ensures that the person performing a biometric verification is **alive, operating autonomously, aware and present in real time**, preventing the use of photos, videos or masks to fool systems as well as other means of compulsion we have seen before. This technology is rapidly being incorporated into identity verification systems to combat increasingly sophisticated fraud. **Behavior-based authentication** analyzes user patterns, such as **typing, mouse usage, location, retry policies and dozens of aspects of general device interaction**, to validate the subject's identity and **define different intelligent KYC/KYB/AML paths based on what it has detected in that domain for each user**. This technique adds an additional layer of security and is increasingly used in combination with other forms of authentication. ## **Conclusions and future prospects** Detecting and preventing fraudulent activity is a complex task that requires a multifaceted approach. Companies must ensure that their security strategies span the entire user journey, beyond the onboarding stage. This includes **implementing advanced authentication measures, monitoring transactions, and using AI technologies to detect fraud patterns**.  In addition, it is crucial to **provide regular training to employees and to have the support of a legal team or RegTech partner** to adapt to the ever-changing **new regulations**. Only with a comprehensive and proactive approach, organizations will be able to effectively protect themselves against the growing threats of fraud in the digital world. Organizations must stay informed about the latest trends and challenges to implement **effective risk mitigation and** [**fraud prevention**](https://www.tecalis.com/blog/fraud-prevention-solutions-detection-software-mechanisms-companies-advice-bank-financial-laws-services) **strategies**. By proactively adopting advanced technologies and ensuring regulatory compliance, companies can better protect themselves against current and future threats, safeguarding both their integrity and their customers' trust. --- ## Online fax: how to send e-fax for free and best platforms **URL:** https://www.tecalis.com/blog/e-fax-online-efax-how-to-send-electronic-notifications-acknowledgment-receipt-digital-notices **Descripción:** Online fax, eFax or e-fax is a service for sending documents urgently and with reliable accreditation. Find out how to send a fax online. Faxes have become a **fundamental tool for legal and formal communications**. Traditionally, this service has been associated with the physical sending of documents through the post office, but the digital era has brought with it the **appearance of the online fax, a more convenient, cheaper, faster and more efficient alternative**. In the digital era, **certified communication** has evolved to adapt to modern needs. The online fax has emerged as a solution for sending important documents or messages with **legal validity**.  In this article, we will take an in-depth look at the online fax, explore what an e-fax is, how the online version works, and how to send an efax. In addition, we will discuss the legal validity of online faxes, the available platforms, and the associated premium e-fax prices and services. ## **What is a fax** A fax, short for "facsimile," is a device that allows the **transmission of paper print documents via telephone lines**. The process of sending a fax involves converting the image of a document into a series of electronic signals that are transmitted through the telephone line. At the receiving end, these signals are converted back into an image of the original document, which is printed on paper. **Here is a breakdown of how a fax works**: * **Scanning:** The document to be sent is scanned into the fax machine, converting the text and images into a series of dots (pixels). * **Encoding:** These dots are converted into an electronic signal that represents the document's information. * **Transmission:** The electronic signal is sent through the telephone line to the receiving fax machine. * **Reception:** The receiving fax machine decodes the electronic signal back into an image of the original document. * **Printing:** The image of the document is printed on paper by the receiving fax machine. Faxes **were widely used before the era of email and other forms of digital communication, especially in business and legal environments where the quick delivery and confirmed receipt of documents were essential**. Although their use has declined with the advent of more modern technologies, faxes are still used in certain industries and regions. ### **Certified fax services: registered fax with acknowledgment of receipt** The traditional procedure to send a registered fax **involves going to a post office or a courier or logistics service in person**. There, **the sealed envelope** containing the document to be notified **is presented**, **a form is filled in** with the sender's and addressee's data, and the **corresponding fee is paid.** The transport and courier company is responsible for delivering the envelope and **obtaining the signature of the recipient as proof of delivery**. Subsequently, **the sender receives a stamped copy of the fax with the delivery details**. This method involves having to spend time taking the physical document to the office, where it will be handled and then sent with an acknowledgement of receipt. This process is reliable, but **less convenient compared to current digital solutions**. ## **What is an online fax** The **online fax is the digital version of the traditional fax**, which allows sending certified documents through the **Internet or other electronic means that allow the delivery of digitalized information and documents**. This service eliminates the need to go to a courier office and offers greater convenience, speed and accessibility. Online faxes work through **digital platforms that offer a secure environment for creating, signing and sending documents, files and messages**. The process is usually very simple and intuitive, cheaper, and can generally be done in a few minutes. The **electronic fax** term is a synonym of the online fax. In this way, the electronic fax allows the immediate delivery of documents with certification of content and acknowledgement of receipt in digital format, thus ensuring the authenticity and integrity of the shipment. These features, in addition to the possibility of automation and mass mailings, make the efax an effective and secure tool for legal and business communications. The online e-fax system **offers the same legal validity and security as the traditional fax, since it is based on the eIDAS electronic notification standard**. The main advantage is the convenience of being able to send documents of all kinds from anywhere and at any time, with even greater traceability. ### **E-notices: electronic notifications**  One of the key features of the e-fax is the possibility of receiving an **electronic acknowledgement of receipt (audit trail)**. This means that it not only confirms delivery of the document, but also provides a **digital record that can be used in legal proceedings**. Electronic service of process with acknowledgement of receipt ensures that the sender has proof that the recipient has **received, opened and read the document or message**. The electronic acknowledgement of receipt of efax online is automatically generated and sent to the sender once the addressee has opened the message or digital document (he/she also obtains another certificate that he/she has received it if he/she has not opened it). The physical acknowledgment of receipt, on the other hand, involves printing and mailing it to the sender, so it takes time and there can be complications, while in the case of [**e-notices**](https://www.tecalis.com/blog/e-notices-enotices-electronic-notifications-notice-enotice-published-companies) (digital certified communication), it is **instantaneous**. Like the physical fax, the online fax allows sending enotices with acknowledgement of receipt and all kinds of **digitized documentation by qualified means**, which provides **legal evidence of the communication**. The document, file or message **is transmitted in encrypted form, guaranteeing confidentiality,** [**non-repudiation**](https://www.tecalis.com/blog/non-repudiation-what-is-signature-example-guarantees-deniability) **and avoiding losses**, and an electronic proof of delivery is obtained with date, time and receiver's data. ## **How to send a fax online** Sending a fax online is an efficient process that leverages [**digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) technology to ensure the certified delivery of important documents. This method allows users to send e-faxes online from the comfort of their home or office, without the need to travel to a post office. Using specialized platforms, **it is possible to upload documents, create envelopes, add different addressees, automate the sending of information according to events** and obtain a delivery confirmation quickly and easily. In addition, efax offers the **advantage of real-time tracking**, allowing the sender to check the status of the mailing at any time. The convenience of sending an efax online also extends to flexibility in scheduling, as it can be sent 24 hours a day, 7 days a week. This option is **especially useful for companies and professionals who need to send urgent notifications outside of traditional business hours or automate by connecting to their systems, so that messages are sent when a contract expires or any scheduled event occurs**.  With the integration of **advanced technologies such as** [**electronic signature**](https://www.tecalis.com/blog/electronic-signature) and digital certification of content with blockchain, the electronic fax online **ensures the authenticity, integrity and total privacy of the documents sent**.  ### **Steps to send a fax online** The following are the basic steps for sending an online e-fax, ensuring that each mailing is secure and complies with legal requirements. The **process of sending an online fax varies slightly depending on the platform used**, but in general, follow the steps below: 1. **Choosing an online fax platform:** There are several authorized providers (QTSPs) that offer **qualified** [**time-stamped**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) **electronic notification (e-notices) services**. It is advisable to research and compare the different options in terms of price, features and reputation. 2. **Register and create an account:** Most platforms require the user to register and provide certain personal or company data. There are [**electronic signature solutions such as Tecalis**](https://www.tecalis.com/products/electronic-signature) that have free templates. 3. **Upload the document or insert the message**: The digital file containing the document to be notified must be uploaded. Formats such as PDF, Word or images are generally accepted, although advanced platforms such as Tecalis allow the collection of all types of documentation through scanning and secure digitization. 4. **Enter the recipient's data**: It is necessary to provide the complete information of the recipient, such as name, e-mail address and, in some cases, physical address. 5. **Review and confirm sending**: Before proceeding with the sending, the information entered must be carefully reviewed and the electronic fax online must be confirmed. Once confirmed, the document will be sent and an electronic acknowledgement of receipt will be generated as an **audit trail report**. 6. **Make the payment**: The platform will request payment for the service, which usually varies depending on the provider and the type of online fax or certified communication requested. There are free options that do not require payment and other models of **monthly plans for** [**electronic signatures**](https://www.tecalis.com/blog/electronic-signatures-what-are-types-plans-choose-contract) that include a series of mailings available per month. 7. Consult the status: Once the efax online has been delivered via **email, SMS or through instant messaging services** (or any digital media), the sender will receive an **electronic receipt with the details of the delivery (opening and reading if they have been read), such as date, time and data of the receiver** for each status with full legal and juridical validity. ## **Sending an e-fax: follow-up, consequences of not responding, key aspects, etc.** The consequences of not responding to an online fax **vary depending on the situation and the content of the e-fax**. In general, **an unanswered online fax can serve as reliable proof of the sending of a communication and may have legal validity in the event of subsequent legal proceedings**. In addition to proof of delivery, some e-fax platforms offer the possibility of tracking the status of the mailing in real time. This allows the sender to verify if and when the recipient has accessed the document. It is important to keep in mind that **a fax, whether physical or digital, has legal implications**. If the addressee does not respond or does not comply with what is requested in the document, the sender can use the proof of delivery as evidence in legal proceedings or subsequent claims. The consequences can impact on: * **Legal proceedings:** The sender may use the lack of response as evidence in a lawsuit, which may lead to an unfavorable judgment for the addressee. * **Fines and penalties:** In cases of debts or claims, failure to respond may result in additional fines or penalties. * **Negotiation prejudice:** Ignoring a notice may prejudice the chances of an amicable negotiation or of settling the matter out of court. ### **Legal validity of online eFax** The legal validity of online faxes is **supported by the regulations in force in many countries**. In Spain, for example, the Electronic Signature Law 59/2003 and **the** [**eIDAS Regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) **for the entire European Union recognize the legal validity of electronic documents and their acknowledgements of receipt**. Online faxes, having an electronic signature and a certified acknowledgement of receipt, comply with these legal requirements. The European eIDAS regulation (Regulation 910/2014) and its new update [**eIDAS 2**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet) establish a framework for electronic signatures and trust services in electronic transactions, **equating the traditional fax to electronic notifications (digital certified communication or enotices) on a legal level**. Therefore, according to this regulation, online faxes have the same legal validity as those sent by traditional methods throughout the EU as **long as they comply with the technical requirements of a QTSP (Qualified Trust Services Provider) and the methods provided by law to guarantee authenticity, integrity, and non-repudiation along with other requirements**: * That the **sender and the addressee are correctly identified** with their data entered in the **online** fax and **signature** platform. * That the **content of the** e**fax** is clear, precise, concise and duly stamped. * That the e-fax is sent and digitally signed by the sender by means of an electronic certificate or valid digital signature ([**advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature), AES standard) provided by the same platform provider. * Acknowledgement of receipt has been obtained (**audit document or audit trail with traceability**), either electronic or physical. ## **Premium e-fax platforms, prices and services** Currently, there are several platforms that offer online fax services. **Prices vary according to the platform, the number of pages of content, the acknowledgement of receipt option and the additional options that are contracted**. One of the best known is: * **Tecalis Sign**: Qualified trusted service provider certified by the European Union and the EC and specialized in **eIDAS electronic notifications (e-notices) with full legal validity**. It has a **free model and affordable prices for its paid plans** if additional functionalities or more shipments are needed In addition to the basic services, many of these platforms offer **premium options or business plans with additional functionalities**, such as the management of **mass mailings, integrations with document management systems, detailed reports, etc.** The prices of these plans tend to be higher, but they can be **profitable for companies or professionals who need to send online faxes or electronic notifications (eNotices) to their clients frequently**. --- ## Credit score: how does it work and how can it be checked? **URL:** https://www.tecalis.com/blog/credit-score-banking-scoring-check-bank-what-is-loan-types-improve **Descripción:** Credit score is obtained by analyzing customer accounts, with bank scrapping and performing KYC and AML checks. **Access to all types of financial, banking and fintech services** is a key element for the development of both individuals and companies. For financial institutions, **assessing the risk of granting a loan or providing a product is crucial to maintain stability and sustainability**. This is where Credit score comes into play, an **indispensable tool for analyzing the creditworthiness of applicants and making informed decisions**.  In this article, we will break down in detail **what credit score is, how it affects companies and the different ways to calculate and improve it**. In addition, we'll explore the influence of the finscore, the importance of emerging technologies and the current regulations that are redefining the financial landscape. Read on to discover everything you need to know about credit score and how it can impact your access to credit. ## **What is a credit score?** Credit score is an essential **tool** used by financial institutions to **assess the solvency and payment capacity of applicants for credit or products such as insurance, mortgages, accounts, etc.** This system is based on algorithms and mathematical models that **analyze several variables of the financial history of a person** or company, in order to assign them a score that reflects the risk associated with granting them a loan or any other financial product. Credit score directly affects and impacts financial products such as mortgage loans, other types of loans or financial services such as insurance policies. The **score obtained** through Credit score determines the **likelihood that the applicant will meet his or her financial obligations and be eligible to obtain the financial product or service**. A **high score indicates a lower risk of default**, while a low score suggests a higher risk. This system is crucial both for financial institutions, which seek to minimize their risks, and for applicants, who wish to obtain better credit conditions. ### **How credit score affects loan applications** Credit score plays a key role when **applying for a loan, credit card or insurance**. Financial institutions use this score to make informed decisions on the **approval or denial of credit applications**. A good credit score can facilitate access to loans with lower interest rates and more favorable terms. On the other hand, a low score may result in the denial of credit or the offer of less attractive terms, such as higher interest rates and shorter terms. Variables that influence the credit score include **payment history, level of indebtedness, age of credit accounts, among others**. Maintaining good financial behavior, such as paying debts on time and keeping low levels of indebtedness and expenses, is crucial to improve and maintain a good credit score. ### **Credit score: how does it works in BFSI companies?** Credit score is not only relevant for individuals, but also for companies. Financial institutions use the business credit score to assess the financial health and payment capacity of companies applying for loans or lines of credit. This score is calculated using company-specific data, such as **financial statements, credit history and payment behavior with suppliers**. For companies, a good credit score is vital to access financing for **growth and expansion**. In addition, **a high score can improve business relationships with suppliers and partners**, facilitating better payment terms and contract conditions. Therefore, companies should pay attention to their financial health and maintain management practices that favor a positive credit score. Companies in the [**BFSI (Banking, Financial Services and Insurance)**](https://www.tecalis.com/blog/bfsi-banking-financial-services-insurance-sector-industry-companies-market-companies-what-is) sector rely heavily on Credit score to **make informed decisions about lending, risk assessment, service facilitation and customer management**. These companies use advanced statistical models and **machine learning** algorithms to analyze a wide range of financial and behavioral data. Credit score has a significant impact on the way BFSI companies operate and make decisions. Some of the key areas influenced by the credit score include: 1. [**Risk assessment and management**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects): The credit score allows BFSI companies to accurately assess the credit risk of their clients. A high score indicates a low risk of default, while a low score suggests a higher risk. This **helps companies minimize loan losses and maintain financial stability**. 2. **Credit decision making**: Decisions on approval or denial of credit applications are largely based on the credit score. A good score can result in the approval of loans with favorable terms, such as lower interest rates and longer terms. On the other hand, a low score may lead to denial of the application or less favorable terms. 3. **Client segmentation**: BFSI companies use Credit score to **segment their clients into different risk categories**. This allows them to **offer customized products and services that fit the needs and risk profiles of each client**. For example, clients with a good score may receive credit card offers with high limits and low interest rates, while clients with a lower score may receive products designed to help them improve their financial situation. 4. **Credit portfolio management**: Credit score is crucial for BFSI companies' loan portfolio management. It allows them to **monitor the performance of their clients and adjust their risk management strategies accordingly**. For example, they can implement risk mitigation measures for clients with declining scores or adjust the terms of existing loans. 5. **Regulatory compliance**: BFSI companies must **comply with strict regulations regarding risk assessment and lending, especially** [**AML (Anti-Money Laundering)**](https://www.tecalis.com/blog/aml-anti-money-laundering). The use of Credit score helps them ensure that their risk assessment processes are consistent and aligned with regulatory requirements. ## **How customer finscore influences the customer's finscore** The finscore, or financial score, is a variant of credit score that focuses on **assessing the financial risk of an institution's individual customers**. This system uses financial and behavioral customer data to generate a score that helps institutions make more accurate credit decisions. The finscore significantly influences clients' ability to obtain financial products. A high finscore can facilitate access to credit with better conditions, while a low finscore can limit the options available or result in less favorable conditions. Financial institutions use the finscore to segment their clients and offer customized products that fit their risk profile. Credit score not only helps BFSI companies manage risk, but also offers several additional advantages: 1. **Financial product optimization**: By better understanding the risk profile of their clients, BFSI companies can design financial products that are better suited to the needs of the market. This can include the creation of customized credit lines, loans with risk-adjusted interest rates, and rewards programs for low-risk clients. 2. **Improved profitability**: An efficient Credit score system enables BFSI companies to optimize their profitability by reducing the risk of default and better aligning their offerings with their clients' ability to pay. By minimizing loan losses and maximizing the return on loans granted, companies can improve their profit margin. 3. **Customer loyalty**: By using Credit score to offer customized products and services, BFSI companies can improve customer satisfaction and loyalty. Clients who receive products tailored to their needs and risk profile tend to be more loyal and maintain a long-term relationship with the financial institution. 4. **Innovation and competitiveness**: BFSI companies that implement advanced Credit score technologies, such as artificial intelligence and machine learning, can stay at the forefront of innovation in the financial sector. This allows them to compete more effectively in a dynamic and constantly evolving market by offering innovative products and high-quality services. ## **Credit score: how to calculate it** Credit score is a **complex process that involves the collection and analysis of a large amount of financial and behavioral data from various sources and types**. Financial institutions use advanced statistical models and algorithms to evaluate factors such as payment history, amount of debt, length of credit history, and type of credit used, among others. However, the process goes far beyond these basic elements, especially with the integration of [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) solutions**, anti-fraud controls and screening processes, onging monitoring, AML** and other RegTech tools. The process of calculating credit score in BFSI companies includes the following steps: 1. **Data collection**: Detailed information is collected on applicants, which may include payment history, debt levels, income, employment, bank account and credit card information. [**KYC forms**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data) **and other AML and anti-fraud controls** are also analyzed. 2. **Credit history analysis**: The applicant's credit history is evaluated, analyzing factors such as the punctuality of previous payments, the age of credit accounts, and the frequency of credit applications. 3. **Financial behavior assessment**: Financial behavior patterns are analyzed, such as utilization of available credit, debt-to-income ratio, and credit line management. 4. **Use of algorithms and predictive models**: BFSI companies apply mathematical models and machine learning algorithms to process data and generate a risk score. These models can identify correlations and patterns that are not evident through traditional analysis. ### **The importance of KYC in Credit score calculation** KYC policies are essential to ensure that financial institutions have a clear and accurate understanding of their customers' identities. This knowledge is **crucial not only to prevent fraud and money laundering, but also to more accurately calculate credit risk**. **Companies specializing** in KYC provide **tools and services that make it possible to verify customers' identities, review their financial histories and monitor their activities for** unusual or suspicious behavior. This is not only beneficial for both parties but a **legal obligation in regions such as the European Union due to regulations such as** [**eIDAS**](https://www.tecalis.com/guides/onboarding-kyc-id-verification-identity-verification-banking-bfsi-fintech-finance-product-fact-sheet) **or AML6**. These companies use **global databases, biometric verifications, document analysis and other advanced technologies** to ensure that customers are who they say they are. By integrating this data into Credit score calculations, financial institutions can obtain a more complete and accurate picture of the risk associated with each customer. ### **The role of RegTech technologies in Credit score** RegTech, or regulatory technology, refers to technology solutions designed to help companies comply with financial regulations and standards. These technologies are especially useful for **financial institutions that must manage large volumes of data and comply with complex regulations in multiple jurisdictions**. RegTech solutions include compliance automation, data analytics and risk management tools. These tools enable financial institutions to **quickly identify potential risks, assess the creditworthiness of customers and ensure that they comply with all applicable regulations**. By automating these processes, firms can reduce the risk of human error and increase operational efficiency. ### **Integration of KYC and RegTech in Credit score** The integration of KYC and RegTech in Credit score enables financial institutions to more accurately and efficiently assess the credit risk of their customers. By **combining data from multiple sources and using advanced technologies to analyze it, these solutions provide a holistic view of each customer's risk profile**. For example, a KYC company can **provide detailed data on a customer's financial history and identity through bank scraping**, while a RegTech solution can analyze this data in the context of applicable financial regulations and detect potential risks. By integrating this data and analysis into the Credit score model, financial institutions can obtain a more accurate risk score and make more informed credit decisions. ### **Continuous evaluation and monitoring** Credit score is not a static process; it requires **continuous evaluation and constant monitoring to remain current**. KYC, KYB, AML and RegTech companies play a crucial role in this regard, providing tools that allow financial institutions to monitor their customers' activities in real time and adjust their risk scores as needed. For example, **if a customer exhibits a sudden change in financial behavior, such as a significant increase in debt levels or a delay in payments, the system can alert the financial institution and adjust the** customer's **risk score accordingly.** This proactive approach allows financial institutions to better manage risk and take preventive measures to mitigate potential problems. ### **Benefits of credit score for businesses and customers** The integration of KYC and RegTech in Credit score offers numerous benefits for both financial institutions and their customers. For financial institutions, these technologies improve score accuracy, **reduce fraud and compliance risk, and increase operational efficiency by reducing costs and improving processing times**. For customers, more accurate score can translate into better credit terms and greater transparency in the risk assessment process. These technologies enable financial institutions to obtain a more complete and accurate view of their customers' credit risk, improving decision making and ensuring compliance with applicable regulations. By adopting these solutions, financial institutions can not only protect themselves against risk, but also provide better service to their customers. ## **Open banking and PSD3: More and better data to calculate risk in the credit score** Open banking and [**PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance) are revolutionizing the way financial institutions access and use customer data to calculate credit risk. **Open banking allows customers to share their financial data securely with third parties, facilitating a more complete and accurate assessment of their creditworthiness**. The PSD3 regulation, which follows PSD2, establishes a regulatory framework that promotes competition and innovation in the financial sector, obliging banks to open their systems and share data with other entities, **always with the customer's consent.** This allows **financial institutions to have access to a greater amount of information, which improves the accuracy of Credit score and facilitates the offer of financial products better adjusted** to customers' needs and risk profiles. ## **AI tools to improve credit score** **Artificial intelligence (AI) and RegTech (regulatory technologies)** are transforming the Credit score process, making it more efficient, cheaper and more accurate. **AI makes it possible to analyze large volumes of data in real time for both B2C and B2B (**[**Know Your Business - KYB**](https://www.tecalis.com/blog/kyb-know-your-business)**) operations**, identifying patterns and trends that would be difficult to detect using traditional methods. RegTech tools help financial institutions comply with regulations and standards more effectively by automating processes such as identity verification, [**notarization**](https://www.tecalis.com/blog/notarization-power-of-attorney-verification-validation-what-is-powers-meaning-banking-example-documents) verification and transaction monitoring. These technologies not only improve the accuracy of Credit score, but also help reduce costs and minimize the risk of human error. ## **Bank scrapping: Credit score simulator** **Bank scrapping and bank account verification** is a technique that involves the automated extraction of financial data from different sources to calculate credit scores more accurately. **Credit score simulators use this data to provide an estimate of an applicant's credit score**, allowing financial institutions and applicants themselves to have a clear idea of their credit situation before applying for a loan. These simulators are valuable tools for consumers and businesses, allowing them to assess their creditworthiness and take steps to improve their score before submitting a credit application. They **are connected via open banking PSD3 to the customer's approved accounts to extract a finscore during the KYC/AML process**. In addition, the simulators can help identify areas for improvement and establish more effective financial strategies. In summary, Credit score and scrapping is an essential tool for assessing the credit risk of individuals and companies. Its calculation and application have evolved thanks to technological advances such as AI and open banking, as well as regulations such as PSD3. Maintaining a good credit score is crucial to access better credit conditions, and tools such as Credit score simulators can be of great help to understand and improve this score. --- ## Signing a contract online | Free digital tools **URL:** https://www.tecalis.com/blog/sign-contract-online-free-contracting-signing-tool-digital-signature-electronic-validity **Descripción:** To sign an online contract you must use a valid online digital and electronic signature tool. Signing a contract online has become a **common everyday practice for individuals, professionals and businesses alike**. With the growing need for fast and secure transactions, understanding how to sign a contract online for free is essential for all types of users.  This article explores everything you need to know about signing contracts online, from how to do it to the tools available to do it for free and the **features you need to consider for this contract to be valid**. ## **How to sign a contract online?** Signing a contract online is a **simple process** that has been greatly facilitated by modern digital tools and the emergence of **free plans for established electronic signature tools**. The process of **signing contracts online allows the parties involved to complete legal transactions** without the need to be physically present and leave a **record of digital evidence with greater probative value than a paper signature**. **To sign an online contract you must have a specialized tool** and a properly drafted document. It is a process that has revolutionized the way legal transactions are conducted in the world. This method not only saves time and resources, but also provides a **secure and efficient way to formalize agreements**. The following are the **technical aspects and steps required to sign an online contract**: 1. **Preparation of the Document** * * **Document Format:** The first step in signing an online contract is to prepare the document in a suitable format. Generally, PDF or DOCX formats are preferred because of their compatibility and ease of use. The PDF format is especially popular because it preserves the layout of the document and is less prone to unauthorized modifications. To [**digitally sign a PDF**](https://www.tecalis.com/blog/how-to-sign-a-document-with-digital-signature-digitally-pdf-word-electronically-electronically) a series of steps must be followed so that it is done correctly and according to legal standards. * **Content of the Contract:** Make sure the document includes all the terms and conditions of the agreement, clearly defined and agreed upon by both parties. The document must be complete and reviewed before signing. 2. **Choice of the Electronic Signature Tool** * * **Needs Assessment:** Consider the level of security and compliance you need. Tools that offer advanced or qualified [**electronic signatures**](https://www.tecalis.com/blog/electronic-signatures-what-are-types-plans-choose-contract) are ideal for contracts that require greater authenticity and security. * **Key Features:** Look for tools that offer data encryption, signer authentication, time stamps and audit trails. These features ensure that the contract is legally binding and protected against fraud. 3. **Document Upload** * * **Upload Document:** Most tools allow you to upload documents directly from your computer or from cloud storage services such as Google Drive or Dropbox. * **Document Setup:** Clearly indicates the areas of the document where the signature is required. This can include multiple signature fields if more than one signer is involved. The best [**online signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf) tools allow you to do this. 4. **Identification of the Signatories** * * **Signer Information:** Collects the necessary information from signers, which may include their names, email addresses and, in some cases, phone numbers for two-factor authentication. * **Invitation to Sign and Request:** Sends invitations to signers through the electronic signature tool. To [**request a digital signature**](https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending), these invitations generally include a secure link that takes the signer to the document that needs to be signed. 5. **Signature Process** * * **Signature Method:** Signers can apply their electronic signatures using various methods supported by the tool, such as drawing the signature with a mouse or touch screen, uploading an image of their handwritten signature, or using a certificate-based digital signature. A supported application must be used to [**sign a PDF document with a digital certificate**](https://www.tecalis.com/blog/how-to-sign-pdf-digitally-electronically-signature-electronic-digital-document-signing-word-iphone). * **Authentication:** Some platforms offer two-factor authentication, where the signer receives a code via SMS or email to verify their identity before signing. 6. **Verification and Completion** * * **Document Review:** Once signed, the parties may review the document to ensure that all required signatures are present and correct. * **Time Stamp and Audit Trail:** The platform must generate a time stamp and audit trail documenting the signing process, including details such as the signer's identity, location and time of signing. 7. **Storage and Distribution** * * **Document Download:** After completing the signing process, the final document can be downloaded and stored in digital format. It is important to keep a copy of the contract in a safe place. * **Distribution to Parties:** Sends the signed document to all parties involved for registration. Many platforms allow documents to be shared directly from the system, ensuring that all parties have immediate access to the final version. ## **What is an online contract?** An online contract is an **agreement between two or more parties that is made and stored in digital form**. This type of contract offers the **same validity and enforceability as** traditional **paper contracts**, as long as it **complies with certain legal requirements of regulations such as eIDAS**.  Digitizing contracts offers numerous advantages, such as reducing the time and costs associated with printing, mailing and archiving physical documents. In addition, online contracts can be easily edited and shared, making them highly versatile. ### **Types of digital signature** There are several types of digital signatures used to sign online contracts. Each type offers a different level of security and verification depending on the type of contract to be signed: 1. **Simple electronic signature:** Consists of electronic data attached or associated with a document, such as typing a name at the end of an email or clicking "accept" on an online contract. This type of signature is easy to use but offers a basic level of security for low-risk transactions. 2. **Advanced electronic signature:** Requires the signer to be uniquely identified and the signature to be uniquely linked to the signer. This type of signature guarantees the integrity of the document and the authenticity of the signature, since any change made after signing will be detectable. It is usually more than sufficient for the vast majority of transactions, including very high-risk ones. 3. **Qualified electronic signature:** It is based on a qualified electronic signature certificate, issued by a trusted service provider. It is usually used for transactions with the public administration. Each [**type of electronic signature**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) has its own applications and levels of legal acceptance, so it is important to choose the right type according to the type of contract and jurisdiction. Solutions like Tecalis provide up to 9 different types of electronic signature, adapted to each transaction. Choose wisely the most correct and convenient one for the deal you are going to close. ## **Legal validity of online contract signing** The legal validity of contracts signed online **varies from jurisdiction to jurisdiction**, but **in most countries, electronic signatures have the same validity** as handwritten signatures. In the European Union, the **eIDAS (Electronic Identification, Authentication and Trust Services) Regulation** regulates the use of electronic signatures and establishes that advanced and qualified electronic signatures have the same legal weight as paper signatures. In the United States, the Electronic Signatures in Global and National Commerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA) ensure that electronic signatures and electronic contracts are as valid and enforceable as printed, hand-signed documents. **To ensure the legal validity of an electronic signature, it is important to use tools that comply with current regulations** and provide an **audited record** of the signature process and its **evidence**. ## **Steps to sign a contract online** Signing a contract through the internet or digital media is a simple and efficient process. Here are the steps to sign a contract safely online: 1. **Document preparation:** The first step is to prepare the document that needs to be signed. This may include drafting the contract from scratch or using a pre-existing template. You can use Tecalis' automated drafter to generate your contract according to your instructions. It is crucial to review the document to ensure that all terms are clear and correctly defined. 2. **Selecting the right tool:** Choosing the right digital signature tool is crucial. There are numerous platforms available that offer different features and levels of security. Make sure you choose one that complies with the legal regulations applicable to your jurisdiction. 3. **Upload the document:** Once you have selected the tool, upload the document to the system. Most platforms allow you to upload files in common formats such as PDF or Word. 4. **Identification of signatories:** Indicates who are the people who need to sign the document. This may include multiple parties in different locations. 5. **Send for signature:** After identifying the signatories, send the document for signature. Most platforms automatically send an email to each signatory with a link to access the document. 6. **Document signature:** Each signatory will review the document and sign it electronically using the method provided by the platform, either by drawing their signature with the mouse, uploading an image of their handwritten signature or using a digital signature based on digital certificates. 7. **Storage and verification:** Once signed, the document is stored electronically and can be downloaded or shared as needed. Many tools also offer verification services to confirm the authenticity of signatures with full audit trail and audit reports. ## **Best free online contract signing tools** When looking for the best tools to sign contracts online for free, it is important to **consider certain features and functionalities that ensure an efficient, secure and legally valid process**. The following are the key aspects that these solutions should offer: 1. **Ease of use:** * **Intuitive interface:** The tools should have an easy-to-navigate interface that allows users of all skill levels to complete the signing process without hassle. * **Guides and tutorials:** Include step-by-step guides or tutorials to help new users become familiar with the platform. 3. **Security and compliance:** * **Data encryption:** Security is paramount, so tools must use end-to-end encryption to protect sensitive information during transmission and storage. * **Legal compliance:** They must comply with international and local regulations on electronic signatures, such as the eIDAS Regulation in the EU or the ESIGN Act in the U.S., ensuring that signatures are legally valid. 5. **Authentication options:** * **Identity verification:** Provide identity verification methods to ensure that only authorized persons can sign the document. This may include two-factor authentication or verification by email or SMS. * **Audit trails:** Provide a detailed audit trail showing who signed the document, when and from what location. 7. **Flexibility in file formats:** * **Support for multiple formats:** The best tools should allow uploading documents in a variety of formats, such as PDF, Word and other common formats used in the industry. * **Online editing:** Provide online editing capabilities that allow minor adjustments to be made to the document before signing it, without the need for external tools. 9. **Integrations and automation:** * **Integration with other applications:** The ability to integrate with popular applications such as cloud storage services, customer relationship management (CRM) platforms or project management tools makes it easy to incorporate digital signatures into existing workflows. * **Process automation:** Include automation features to send automatic reminders to signatories and update document status in real time. 11. **Collaboration capabilities:** * **Multiple signatures:** Allow multiple parties to sign the same document sequentially or simultaneously, depending on the needs of the contract. * **Comments and reviews:** Facilitate communication between parties through commenting or chat functions within the platform to discuss and resolve any issues prior to signing. 13. **Storage and access to documents:** * **Secure cloud storage:** Provide cloud storage to keep signed documents secure and accessible from anywhere with an internet connection. * **Offline access:** Some tools also offer the option to download and access documents offline, providing additional flexibility. When choosing a free online contract signing tool, it is critical to ensure that it offers these features and functionalities to ensure an optimal user experience and **meet the legal and security standards required for online contract signing**.  These solutions should not only facilitate the signing process, but also provide a secure and collaborative environment to manage documents efficiently. **Tecalis offers not only all these tools and features but also a free model for those day-to-day transactions that require an online contract signature.** ## **Digitally signed documents: Automatic online contract drafting with GPT AI** **Artificial intelligence** technology **has revolutionized the way contracts are created and managed**, enabling **automated drafting of legal documents** quickly and efficiently. AI GPT is an example of how artificial intelligence is transforming online contract drafting, offering advanced solutions to automate complex legal processes. In the context of online contract drafting, AI can analyze and generate new documents that fit the specific needs of the parties involved. This **not only saves time, but also reduces the risk of human error in drafting complex contracts**. By using a **digital contract signing and drafting platform with AI GPT**, users can **specify key terms and conditions, as well as the particular details of each agreement**. The AI analyzes this information and **generates a draft contract that can be reviewed and adjusted before being finalized**. This allows even those with limited legal knowledge to create well-structured and detailed contracts. ### **How to make an online contract?** Creating an online contract with Tecalis is a fast and efficient process that is **fully integrated with online contract signing by creating a template for submission within the digital signature platform**. Here's [**how to use GPT chat**](https://www.tecalis.com/blog/how-to-use-chatgpt-chat-gpt-alis-alisgpt-4-english-utilize) within Tecalis **to make an online contract** and sign it: 1. **Access Tecalis:** Log in to the platform and select the contract drafting option. 2. **Template selection:** Tecalis offers a wide range of templates for different types of contracts. You can choose the template that best suits your needs or create a contract from scratch by ordering it from AlisGPT. 3. **Contract customization:** Use AI to customize the contract to your business specifications. This can include details such as the names of the parties, terms of the agreement, deadlines and other relevant terms. 4. **Review and approval:** Review the contract to ensure that all information is correct and complete. Tecalis offers automatic suggestions to improve the clarity and accuracy of the document. 5. **Signing and storage:** Once the contract is ready, use the resulting template to sign it electronically and store it securely in the cloud. Tecalis simplifies the contract creation process and ensures that documents are well drafted and ready to be digitally signed. ## **How to request the online signature of a contract** Requesting the online signature of a contract is essential to complete legal transactions efficiently **when the drafter of the document is different from the one who must sign it or where several parties are involved**.  With the document ready, **identify the signatories by collecting their contact details, such as name and email address**. Once the data is ready, upload the contract to the electronic signature platform and **send a signature request by email**. In this way, **you will guarantee the** [**non-repudiation**](https://www.tecalis.com/blog/non-repudiation-what-is-signature-example-guarantees-deniability) **and non-deniability of sending the online contract** or information. This message should include a secure link to the document, along with clear instructions on how to proceed, the deadlines for signing, and any other relevant information. All this is automatically taken care of by Tecalis. **Signatories will receive the mail by secure electronic means (**[**online fax**](https://www.tecalis.com/blog/e-fax-online-efax-how-to-send-electronic-notifications-acknowledgment-receipt-digital-notices) **/ e-fax)** and will be able to review the document before applying their electronic signatures. Platforms often offer additional authentication options, such as codes sent by SMS, to verify the identity of signatories and protect the integrity of the process. Once all parties have signed, follow up to ensure that the process is complete. When the document is signed, the platform will generate a final copy that can be downloaded and securely stored for future reference. By following these steps, **you can efficiently request the online signing of a contract and ensure that all parties comply with their legal obligations**. ## **Benefits and advantages of signing contracts online** In summary, signing an online contract is an effective and secure process that leverages digital technologies to improve the efficiency of legal transactions. By choosing the right tools and following the above steps, organizations and individuals can ensure that their online contracts are valid and protected against any security risks. 1. **Efficiency and Speed:** Digital signatures eliminate the need to print, scan and mail documents, significantly reducing the time required to complete an agreement. Contracts can be reviewed and signed in a matter of minutes. 2. **Improved Safety:** Electronic signature tools use advanced encryption technologies to protect data. In addition, authentication features and audit trails provide an extra layer of security, ensuring that only authorized individuals have access to the document. 3. **Accessibility and Convenience:** Online contracts can be signed from anywhere at any time, as long as there is internet access. This is especially useful for companies with remote teams or international customers. 4. **Legal Compliance:** Electronic signatures are legally binding in most countries, provided that tools are used that comply with local and international regulations. This includes standards such as the eIDAS Regulation in the EU and the ESIGN Act in the USA, which recognize the legal validity of electronic signatures. --- ## NIS2: Overview of requirements and compliance guidance **URL:** https://www.tecalis.com/blog/nis2-nis-2-directive-cibersecurity-approval-compliance-requirements-measures-sri2-regulations **Descripción:** NIS2 is a European directive that sets out cybersecurity measures in the EU. SRI2 complements NIS 2 with further compliance requirements. NIS2 Directive, also known as NIS Regulation 2, represents a renewed and more robust legal framework in the European Union **designed to strengthen cybersecurity** in member states.  In this article we will provide a detailed overview of what NIS2 Directive is, the cybersecurity measures it imposes, its key dates, and how it affects companies and those obliged to comply with it. ## **What is NIS2** NIS2 Directive (EU Directive 2022/2555 of the European Parliament and of the Council) is an **update of the original NIS Directive** (Directive 2016/1148) on the **security of network and information systems**. Adopted in December 2022 initially, NIS2 responds to the increasing **sophistication and frequency of cyber-attacks**, as well as society's increased reliance on digital technologies. NIS2 establishes a **common framework for cybersecurity across the European Union**, with the aim of improving the **resilience of critical systems and essential services**. It also extends its **scope to a wider number of sectors and types of companies**, and **strengthens security requirements**, including **penalties** for non-compliance. Network and Information Security 2 (NIS 2) is a normative regulation in the form of a Directive whose main purpose is to **strengthen cybersecurity at EU level**. This new regulation is part **of the EU Cybersecurity Strategy.** It broadens the scope of the previous regulation in all its parts and aspects, now covering a greater number of sectors and entities, including those considered "**essential**" and "**important**" (so called) for society and the economy, such as **energy, health, transportation, and water**, among others. ### **What is SRI2** **SRI2**, or Security Incident Response System, is a **key concept within the framework of NIS2 Directive**. This system refers to the **organized ability of obligated entities to detect, analyze and mitigate security incidents** that may compromise the continuity of their operations. NIS2 involves a **set of policies, procedures and tools** that enable organizations to not only respond to cybersecurity incidents, but also to anticipate and manage them effectively. This **proactive approach** is central to NIS 2 Directive, as **the directive emphasizes prevention and preparedness**, rather than reacting only after an incident. Within the context of NIS2, the term SRI2 also refers to "Security of Network and Information Systems 2". This creates an extension of the regulatory framework that seeks to ensure that companies and organizations adopt effective security measures to **protect their critical infrastructures** against cyber threats given newest types of **fraud and** [**identity theft**](https://www.tecalis.com/blog/identity-theft-bank-crime-usurpation-penalty-digital-types-what-is-risk-internet-theft-accounts-spoofing). This **includes both risk management and the obligation to report significant incidents within specific timeframes**, ensuring that potential damage is minimized and that authorities can intervene in a timely manner. ## **NIS2 measures** NIS2 Directive introduces a number of **cybersecurity measures that companies and organizations must implement to meet its requirements**. These measures are **more stringent compared to the original NIS Directive** and are designed to address current threats in the digital landscape. Some ancillary measures are detailed below: * **Assessment and** [**risk management**](https://www.tecalis.com/blog/risk-management-which-is-objective-financial-types-regulations-fraud-prevention-projects): Organizations should conduct ongoing assessments of the risks associated with the security of their networks and information systems. This includes identifying threats, assessing vulnerabilities and implementing controls to mitigate risks. * [**Access control**](https://www.tecalis.com/blog/access-control-accessing-controller-controls-system-security-systems-facilities): The directive imposes the need to implement strict access controls to critical systems and data. This includes the use of multi-factor authentication (MFA) to ensure that only authorized personnel can access certain resources. * **Data and systems protection**: Organizations should implement technical measures to protect their data and systems from cyber threats. This may include data encryption, network segmentation, and the implementation of firewalls and intrusion detection systems. * **Corporate responsibility**: The top management of organizations must approve and supervise the cybersecurity measures implemented, being responsible for the consequences of any non-compliance. * **Reporting obligations**: Organizations are required to report significant security incidents within 24 hours as an initial warning, followed by a full report within 72 hours, and a detailed report within one month. ### **NIS 2-Specific cybersecurity measures** On the other hand, NIS 2 implements concrete and specific cybersecurity measures. Among the **ten minimum measures** that entities must adopt are **multifactor authentication, data encryption and supply chain security**. This establishes a set of measures designed to **cover a broad spectrum of possible vulnerabilities and risks** associated with the information systems and networks of the obligated entities.  1. **Organizational Security Policies**: Organizations should conduct regular risk assessments to identify potential threats to their information systems. Based on these analyses, they should develop and update security policies that address the identified risks, ensuring that the measures implemented are proportional to the magnitude of the risks. 2. **Cryptography Policies and Procedures**: Cryptography is essential to protect the confidentiality and integrity of data in processes such as [**electronic signatures**](https://www.tecalis.com/products/electronic-signature). NIS2 requires organizations to have clear policies for the implementation of cryptography, including the proper use of encryption techniques in all communications and storage of sensitive data. 3. **Incident Response and Notification Plan**: It is crucial that organizations have a detailed plan for managing cybersecurity incidents. This plan should include procedures for incident detection, analysis, containment and mitigation, as well as an effective communication process for informing stakeholders and relevant authorities. 4. **Supply Chain Security**: Organizations must ensure that their suppliers and supply chain partners also comply with cybersecurity regulations. This includes continually assessing supply chain risks and implementing contracts that stipulate cybersecurity obligations. 5. [**Multifactor Authentication**](https://www.tecalis.com/blog/multi-factor-authentication-mfa-multifactor-solutions-system-security-double): Multifactor authentication (MFA) becomes a mandatory measure under NIS2 Standard and its requirements. This implies that, in addition to the password, users must present a second form of identification, which adds an extra layer of security to prevent unauthorized access to critical systems. 6. **Cyber Hygiene and Cybersecurity Training**: Ongoing cybersecurity training is essential for all employees to understand best practices and emerging threats. This includes regular cyber hygiene training, such as updating passwords, recognizing suspicious emails, and safe web browsing. 7. **Security Procedures for Sensitive Data**: Organizations must implement strict procedures for managing sensitive data. This includes policies on who can access this data, how it is handled and how it is protected against unauthorized access or security breaches. 8. **Business Continuity Plan**: NIS 2 requires organizations to be prepared to ensure operational continuity during and after a cyber incident. This involves having up-to-date backups, redundant systems and clear procedures for restoring critical systems. 9. **Vulnerability Management**: Organizations should establish processes to identify and correct vulnerabilities in their information systems. This includes implementing security patches, updating software and periodically reviewing the infrastructure for potential weaknesses. 10. **Emergency Communication and Internal Encryption**: In emergency situations, it is critical that internal communication is secure. NIS2 and its obligations require encryption of all critical communications, whether by text, voice or video, to ensure that sensitive information is not intercepted during an incident. These ten measures form the basis for a comprehensive approach to cybersecurity under NIS2, ensuring that organizations are better prepared to deal with today's cyber threat landscape and meet the standards required by the European Union. ## **Dates and calendar for NIS2 Directive** NIS2 Directive was formally adopted in December 2022, and its implementation in EU member states follows a specific timetable. A summary of the key dates is detailed below: * **December 2022**: Adoption of NIS2 Directive by the European Parliament and the Council. * **January 6, 2023**: Entry into force of NIS 2 Directive. * **18 months from entry into force**: Member states have until July 17, 2024 to transpose the directive into national law. This implies that, by that date, each state must have adapted its legal frameworks to comply with the requirements of NIS2 standards. * **From July 2024**: Organizations subject to the Directive must comply with the obligations set out by the directive. Companies must have implemented all cybersecurity measures and be prepared for inspections and audits by national authorities. ## **NIS 2 in Spain and the EU** NIS2 Directive has a significant impact on all EU member states, including Spain. As an EU regulation, it requires **each country** to **adapt its national legislation to align with new requirements**. In **Spain, Law 8/2021 on Network and Information Systems Security will be updated to incorporate the mandates of NIS2**. **National Cryptologic Center (CCN) and National Institute of Cybersecurity (INCIBE)** will play crucial roles in implementing and monitoring compliance with the directive. At the EU level, NIS2 seeks **greater harmonization in cybersecurity policies among member states**. Previously, differences in the implementation of the original NIS Directive created gaps in cybersecurity within the EU. With NIS 2, the **European Commission has introduced more uniform measures, including standardized criteria for identifying critical sectors and services**, and greater powers for national authorities. Sectors that are particularly affected by NIS 2 Directive in the EU include **transportation, energy, banking, digital infrastructure, healthcare, water, and public administration**. These industries are considered critical to the functioning of society, and as such, are subject to strict cybersecurity requirements under the new directive. ## **How does NIS 2 Directive affect companies? Compliance and obligations** NIS2 Directive has a **significant impact on companies** in the European Union, especially **those considered essential or important**. These companies will be required to **conduct comprehensive risk assessments and adapt their security measures** to the new requirements. In addition, the **top management** of these organizations will have **direct responsibility for overseeing and approving cybersecurity policies**, and may be **sanctioned** in the event of non-compliance. ### **Expansion of the scope of application** One of the main new features of NIS2 is the **broadening of the scope of application** compared to the original NIS Directive. While **the first directive focused on operators of essential services and digital service providers**, NIS 2 includes a wider range of sectors such as [**banking and financial services**](https://www.tecalis.com/industries/banking-financial-services-fintech), such as **water supply, postal and courier services, waste management, chemical and food industry**, among others. In addition, the European NIS2 Directive also introduces an approach based on **company size**. ### **Stricter compliance requirements** Companies bound by NIS2 must comply with a **more stringent set of requirements compared to the original directive**. In addition to those mentioned in the article price blocks, other technical and organizational security measures are included that are appropriate and proportionate to the risks they face. ### **Penalties for noncompliance** NIS2 introduces more severe penalties for companies that fail to comply with the requirements of the directive. Penalties for non-compliance can be severe, including **fines of up to €10 million or 2% of** global turnover for essential entities, and up to €7 million or 1% of global turnover for significant entities. In addition, **national authorities have the power to order companies to take corrective action** in the event that deficiencies in their cybersecurity posture are detected. In the most serious cases, **companies may face suspension of their business activities** if they fail to comply with the authorities' orders. ### **Senior Management Responsibility** Another important new feature of NIS2 is the **direct responsibility it imposes on senior management**. **Managers must now be directly involved in cybersecurity governance** and ensure that security policies and measures are effectively implemented throughout the organization. This implies that cybersecurity is not only a technical issue, but also a strategic issue that needs to be addressed at the board level. ## **NIS2 regulation requirements and obligated parties** NIS2 Directive sets out specific requirements that must be met by obligated organizations. These **requirements fall into two main categories**: **technical and organizational measures, and incident reporting requirements**. ### **Technical and organizational measures** Organizations must implement a series of technical and organizational measures that are appropriate and proportionate to the level of risk. These measures include: * **Periodic risk assessments** * **Cybersecurity policies** * **Access controls and authentication** * **Physical and logical infrastructure protection** * **Business continuity management** ### **Incident reporting requirements** In the event of a cybersecurity incident affecting the continuity of essential services or the supply of critical assets, organizations must notify the relevant authorities. **Notification must be made within 24 hours of detection of the incident and include details on**: * **The nature and extent of the incident.** * **The impact on the services or assets affected.** * **Measures taken to mitigate the impact of the incident.** * **Any other relevant information that may assist the authorities in assessing the situation and coordinating an appropriate response.** ### **Obligated parties** * **Essential Entities**: Sectors such as energy, health, water, transportation and finance, which are critical to the functioning of society and the economy. * **Important Entities**: Sectors that, although not critical, play a relevant role in the value chain, such as digital suppliers and postal services. Obligated entities must implement **rigorous policies and procedures, ensure** cybersecurity **training** and awareness, and be prepared to respond quickly to any incident. The main sectors affected include: * [**Energy and utilities**](https://www.tecalis.com/industries/utilities-energy): Companies operating in the electricity, gas, oil and other energy resources sectors. * **Transportation**: Air, sea, rail and road transportation companies. * **Banking and finance**: Financial institutions and stock market operators. * **Digital infrastructures**: Internet service providers, data centers and other critical infrastructures for certified communications or [**e notices**](https://www.tecalis.com/blog/e-notices-enotices-electronic-notifications-notice-enotice-published-companies). * **Health**: Organizations operating in the health sector, including pharmaceutical companies and hospitals. * **Water supply**: Companies that manage water supply and treatment. * **Public administration**: Government entities and other essential public institutions. Each of these sectors is subject to a specific set of requirements, tailored to the nature of the services they provide and the level of risk they face. As far as **size** is concerned, there are very significant modifications. Thus, **medium-sized and large companies operating in the sectors covered by the directive are automatically included**, regardless of their level of criticality. This means that a greater number of companies in the EU will be subject to the cybersecurity requirements, even if they are not considered critical under the previous directive. ## **RegTech Services for NIS2 compliance** In summary, NIS2 Directive represents a significant strengthening of cybersecurity standards in Europe, with a focus on critical infrastructure protection and corporate responsibility in cyber risk management. **Companies must prepare to meet these new requirements by the 2024 deadline**. It is critical that companies and organizations understand the obligations imposed by NIS2 and **take proactive steps to comply with the requirements set forth**. With the implementation deadline just around the corner, preparing for and adapting to NIS 2 should be high on the agenda of any affected company. With the implementation of NIS2 Directive, organizations face the need to **adapt to a stricter and more complex regulatory framework**. This is where **RegTech** (regulatory technology) services come into play, providing tools and technology solutions to help companies comply with regulatory requirements in an efficient and automated manner. In the context of **NIS2, RegTech services enable organizations to automate the monitoring, analysis and implementation of cybersecurity measures required by the directive**.  1. **Compliance Automation**: RegTech tools can automate the collection and submission of compliance reports, ensuring that organizations meet the incident reporting deadlines set by NIS2 (24 hours, 72 hours and one month) and **24/7 maintenance of their onboarding and digital recruiting systems.** 2. **Continuous Security Monitoring**: RegTech platforms can provide continuous monitoring of security systems with **alerting modules in their commercial platforms such as Customer Hub**, allowing early detection of vulnerabilities and automatic deployment of patches and updates. 3. **Risk Assessment and Management**: RegTech's advanced tools offer real-time risk assessment capabilities, helping companies identify and mitigate risks before they become security incidents. 4. **Audits and Reporting**: NIS2 requires periodic audits to ensure compliance. RegTech services facilitate these audits by providing detailed and accurate reports that meet regulatory requirements. 5. **Communication Security**: Since NIS2 requires encryption of internal communications in emergency situations, RegTech solutions can integrate **secure communication systems with electronic notifications and digital signature that meet these requirements**. 6. **Forensic Analysis and Incident Response**: In the event of a cybersecurity incident, RegTech tools can perform **generate full traceability of certain operations thanks to their E2E audit reports with advanced and automatic audit trails** to identify events [**(timestamps)**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) **and smart contracts thanks to** root qualified **RPA bots** and assist in containment and recovery. Process automation not only **significantly reduces the costs** associated with compliance management, but also helps all types of company operations. RegTech solutions ensure **greater accuracy and consistency** in the implementation of cybersecurity measures, minimizing the risk of human error. Instead of reacting to audits and sanctions, companies can take a **proactive and automated approach**, ensuring ongoing compliance and improving their security and **anti-fraud** **controls**. In conclusion, **RegTech SaaS services and solutions are becoming an essential tool for companies looking to** effectively **comply with NIS2 Directive**, ensuring not only regulatory compliance but also a significant improvement in their overall cybersecurity. --- ## SP&ID: Open Banking revolution | Tecalis **URL:** https://www.tecalis.com/blog/secure-payments-id-congress-open-banking-eidas-2-payment-services-psd2-psd3 **Descripción:** The payment services, financial transactions and FinTech industry is evolving thanks to eIDAS 2 and PSD3. **Open Banking** has **revolutionized the financial ecosystem** by opening up access to customer banking data to third-party providers through **APIs**. This democratization has driven the **creation of new personalized financial services**, allowing users to manage their finances more effectively. **How does this affect payment methods?** The integration of Open Banking in payments has made transactions more agile, secure and economical. Businesses can access bank accounts directly, reducing dependence on intermediaries and improving the efficiency of transfers. This is particularly **beneficial for e-commerce and P2P (peer-to-peer) payment platforms** as it allows real-time payments without incurring the high costs of traditional transactions. The future of Open Banking in combination with **instant payments** and **tokenization** promises a total ecosystem transformation, where payments will be faster, safer and more seamless. In addition, the **integration of artificial intelligence (AI) and machine learning in digital onboarding and other** [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions) **processes** in these solutions enables proactive fraud detection and personalization of financial services in real time. ## **More capable and secure payment services** Today, the financial sector is undergoing an unprecedented transformation. Technological advances, **changing consumer expectations and regulatory developments** are redefining the **payments, banking and digital identity** landscape. ### **Impact on payment innovation** Open Banking has opened the door to a **new generation of payment services**. **Fintechs and traditional banks** are collaborating and competing to offer faster, safer and more convenient solutions. Some examples include: * **Account initiated payments (PIS**): Allow payments directly from bank accounts without the need for cards. * **Account Aggregation**: Facilitates users to view all their bank accounts in a single interface. * **Account Information Services (AIS)**: Provides a holistic view of the user's finances. Something that will become even more important and simpler when [**EUDI Wallet**](https://www.tecalis.com/blog/eudi-digital-identity-eu-wallet-eidas2-eidas-2-application) is implemented. ## **Digital Identity and KYC: new security standards** One of the key pillars in the evolution of digital payments and e-commerce is digital identity. **Digital identity** management is becoming fundamental to ensure the security and fluidity of transactions in an environment where users need to authenticate themselves quickly and reliably. The [**KYC (Know Your Client)**](https://www.tecalis.com/blog/know-your-client-kyc) **and KYB** process has undergone a profound transformation in recent years, driven by the adoption of advanced technologies such as **biometrics**, **AI** and **blockchain**. These technologies make it possible to verify a customer's identity accurately, reducing onboarding times and improving the user experience. The concept of **reusable digital identities is gaining traction**. These allow users to verify their identity once and then reuse that credential across multiple services. Benefits include: * **Friction reduction in the onboarding** of new services. * **Greater user control** over their **personal data**. * **Reduced** verification **costs** for companies. However, the widespread implementation of this system requires close collaboration between governments, financial institutions and technology providers. **KYC and KYB** (Know Your Business) are also evolving to improve the verification not only of individuals, but also of companies, enabling **greater security in corporate transactions and facilitating the internationalization of companies**. ### **eIDAS 2.0: new paradigm for Digital Identity in Europe** A crucial aspect in this evolution is **eIDAS 2**, the update of the European framework for electronic identification and trust services. This new regulation seeks to **standardize digital identity across all member countries, allowing citizens to use a single digital identity across Europe**, which will facilitate both commercial transactions and the provision of public services. The eIDAS 2.0 (electronic IDentification, Authentication and trust Services) Regulation represents a quantum leap in digital identity management in the European Union. This update aims to: * **Create a European Digital Identity**: An interoperable digital identity system recognized throughout the EU. * **Improve Privacy**: Allowing users to control what information they share and with whom. * **Driving Adoption**: Forcing large online service providers to accept the European Digital Identity. ## **Tokenization and AI: the future of ecommerce** **Tokenization** has become an essential technology for **securing online transactions**. This technique replaces sensitive customer data with a unique token that is useless to attackers. In **ecommerce**, **tokenization of 100% of transactions is the long-term goal**, as this would significantly reduce the risk of fraud. The incorporation of **artificial intelligence (AI)** in ecommerce adds an additional layer of security. Not only is AI capable of analyzing large volumes of data to identify fraud patterns, but it can also improve the customer experience by personalizing offers, recommendations and checkout processes. Generative AI is also beginning to play a role in transactions, enabling the **creation of predictive models that can anticipate customer needs or detect anomalous behavior that suggests fraud**. As these technologies become more deeply integrated into ecommerce, the ecommerce of 2030 is expected to be more personalized, secure and efficient. **PCI DSS scope reduction is a priority for many merchants**. Strategies include: * **Card data tokenization**. * Use of **iFrames** for payment processing. * Implementation of **hosted payment solutions**. ## **Instant payments: an essential and standardized requirement** **Instant payments** are changing the way we interact with financial services. The ability to make payments in real time has a significant impact on customer satisfaction and operational efficiency for businesses. In many industries, such as e-commerce and financial services, the ability to receive payments immediately has become essential. However, the implementation of instant payments is not without its **challenges**. It is necessary to **ensure interoperability with existing payment systems** and maintain high levels of **security**. In this context, **merging with emerging technologies** such as **AI** and the **Internet of Things (IoT)** is key to boosting adoption. For example, AI can help automate and optimize instant transaction processing, improving both security and user experience. KYC and KYB processes are evolving rapidly, incorporating new technologies to improve efficiency and security in instant payments thanks to: * **Advanced Biometrics**: Facial, voice and behavioral recognition for stronger authentication. * **Blockchain**: To create immutable and secure records of verified identities. * **Ongoing monitoring and** [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls): To detect suspicious patterns and reduce false positives in fraud detection. The main challenge lies in balancing security with user experience, ensuring smooth onboarding processes without compromising verification integrity. ## **Embedded Finance and BaaS: Financial services for all** The concept of **Embedded Finance** is challenging the status quo of traditional banking. **Banking as a Service (BaaS)** enables **non-banking companies** to **offer financial services integrated directly into their products**. This approach not only democratizes access to financial services, but also enables companies in other industries to **offer customized payment solutions to their customers without the need to develop banking infrastructure** from scratch. The expansion of Embedded Finance is transforming not only B2C payments, but also **B2B payments**, which are experiencing unprecedented automation and optimization. This makes it easier for companies to better manage their cash flows, make international payments more easily and optimize their overall financial operations. BaaS allows non-banks to offer financial services through APIs. This is democratizing access to banking services and creating new business opportunities. The integration of financial services into non-financial products and services is redefining the distribution of banking services. Some examples include: * **Loans at the point of sale**. * **Insurance integrated in** product purchases. * **Investment** services **in** non-financial **applications**. ## **PCI Scope Reduction: Card-not-present transactions** One of the most important challenges in handling payments in card-not-present environments is **data security**. The **Payment Card Industry Data Security Standard (PCI DSS)** sets strict requirements for protecting sensitive data in card-not-present transactions. Reducing the scope of a PCI audit is essential for merchants, as it reduces the cost and complexity of complying with these regulations. **How to achieve this reduction in scope?** Companies are adopting solutions such as tokenization and advanced encryption to limit the exposure of sensitive data. In addition, implementing tighter controls on information access can significantly reduce security risks. ## **Payments, data and omnichannel optimization** **Payment optimization** is a strategic factor for business growth. Companies that are able to efficiently manage their payment flows not only reduce costs, but also increase their conversion rates and improve the user experience. Using **data** to improve visibility and adjust authentication flows is key to increasing approval rates and reducing the number of failed transactions. **Properly configuring payment messages, customizing** [**authentication**](https://www.tecalis.com/blog/multi-factor-authentication-mfa-multifactor-solutions-system-security-double) **flows and analyzing** payment **patterns in real time** can have a significant impact on a company's performance. The omnichannel strategy has become an imperative for companies looking to deliver **a consistent and seamless customer experience**. Integrating payment systems across multiple channels (online, mobile, in-store) is crucial for a true omnichannel experience. This involves: * **Unified backend systems that allow a 360° view of the customer**. * **Consistent** payment options across all channels. * Ability to initiate a transaction in one channel and complete it in another. The power of data and analytics is critical to understanding and improving the customer experience: * **Predictive analytics** to anticipate customer payment preferences. * Advanced segmentation to deliver **personalized experiences**. * Real-time analysis to optimize **conversion rates**. ## **Industry insights and feedback** The digital payments ecosystem is evolving rapidly, driven by emerging technologies such as **Open Banking**, **tokenization**, **AI** and **reusable digital identities**. As these innovations become more deeply integrated into the financial infrastructure, the future of payments promises to be more secure, efficient and personalized, transforming not only e-commerce, but the entire digital economy. Digital transformation in the **payments, banking and digital identity** sector is advancing at an unprecedented pace. The convergence of technologies such as **AI, blockchain and biometrics, along with new business models** and a **customer-centric approach**, is creating a more inclusive, efficient and secure financial ecosystem. However, this path is not without its challenges. Data security, regulatory compliance and the need to balance innovation with financial stability remain critical concerns. As we move forward, **collaboration among all ecosystem players - banks, fintech, regulators and consumers -** will be critical to successfully navigating this new era of digital financial services. The future of the industry promises to be exciting, with the promise of **more accessible, personalized and secure financial services**. Companies that manage to adapt to this changing landscape, embracing innovation while maintaining a strong focus on security and customer experience, will be well positioned to lead in this new digital era. --- ## Real Estate: New digital tools for new use cases **URL:** https://www.tecalis.com/blog/real-state-use-cases-digital-tools-proptech **Descripción:** Learn about the best tools to save and grow your RE business. More digital and capable real estate, agencies, professionals and proptech businesses. Real estate industry has been undergoing an **accelerated digital transformation process** in recent years. New technologies have created **opportunities to optimize operations and improve the customer experience** in the sector.  **Industry professionals must adapt** and address **how digital tools are redefining Real Estate, what opportunities they are creating** and what key trends are shaping the sector. ## **Real Estate: News and trends** Real estate is at a crossroads between traditional and digital. Technological disruption is driving the **adoption of advanced tools** \- many of them supported by **artificial intelligence** technologies - that **enable real estate agents, investors, tenants and landlords to transact faster, cheaper and more securely**. These are some of the main current trends in Real Estate: * [**PropTech**](https://www.tecalis.com/blog/proptech-property-technology-which-is-real-estate-management-retech-sector-industry): This term, derived from the combination of "Property" and "Technology," refers to the use of **technology to improve real estate services and operations**. From crowdfunding platforms to AI, PropTech has **changed the way properties are bought, sold and managed**. * **Process automation**: The adoption of relationship management systems has transformed the way **real estate agencies interact with clients**, allowing them to **automate tasks** such as **signing contracts**, **writing** property **descriptions** and **collecting documents**. * **Blockchain and** [**smart contracts**](https://www.tecalis.com/blog/smart-contracts-contract-what-are-for-examples-type-advantages-work): The use of blockchain for real estate transactions is becoming increasingly common, enabling the automation of processes through **smart contracts that are automatically executed** when certain conditions are met or sent. ## **Digital tools for new use cases** Digital transformation in real estate is not only evident in the adoption of new technologies, but also in the way these **tools are integrated into everyday processes**. Real Estate companies are using solutions such as **predictive analytics, digital management platforms and artificial intelligence** to **streamline operations, increase security and improve transparency** in transactions. ### **e-Signature** Electronic signatures are one of the most widely adopted technologies in the [**real estate industry**](https://www.tecalis.com/industries/real-estate-proptech). It allows **agents and clients** to **sign documents from anywhere in the world instantly and with full legal backing**, eliminating the need for physical meetings and streamlining transactions. Thanks to platforms such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature), signing contracts is now a fast and secure process. This solution not only **reduces time**, but also **improves traceability** and **compliance**, making it an essential tool in any modern Real Estate business. Real estate contracts involving large sums of money require additional guarantees. In this regard, advanced electronic signatures and solutions that **verify the identity of the signatory guarantee the authenticity of each document, significantly reducing the** [**risk of fraud**](https://www.tecalis.com/blog/fraud-prevention). ### **KYC/AML ID Verification** Another key aspect in Digital Real Estate is [**identity verification**](https://www.tecalis.com/products/identity-verification). In a world where real estate transactions are increasingly digital, proper identification of the parties involved is essential. Identity verification technologies make it possible to **instantly validate the authenticity of buyers, sellers and tenants**, **using techniques** such as [**face recognition**](https://www.tecalis.com/blog/face-recognition) and **document** verification. Identity verification systems help prevent fraudulent activities, such as identity theft, which can be a problem in high-value transactions. Real estate companies, particularly PropTechs, have adopted these solutions to **ensure secure transactions and comply with** [**Know Your Customer**](https://www.tecalis.com/blog/know-your-client-kyc) **(KYC)** and anti-money **laundering (AML) regulations on digital real estate and investment platforms** (mandatory to implement by sector and national regulation). ### **E-notices (certified communication)** In the real estate sector, [**certified communication**](https://www.tecalis.com/products/certified-communication) through **electronic notifications** has become a key tool to ensure that important messages, such as **lease notices, contract renewals or legal notices, reach their addressee quickly, securely and with a** [**guarantee of non-repudiation (non-waivability)**](https://www.tecalis.com/blog/non-repudiation-what-is-signature-example-guarantees-deniability). This type of communication is essential to streamline processes and provide a **verifiable digital** trail, which is especially useful in **transactions with legal or financial implications**. Certified electronic notifications allow real estate agencies and property managers to **ensure that recipients have received and read the documents sent**. In addition, they provide a **digital certificate and time stamp** that serves as **legal proof in case of disputes**, reducing risks and facilitating dispute resolution. **PropTech and Real Estate companies** that implement this type of electronic notifications not only optimize their operations, but also reinforce customer confidence, ensuring that any relevant communication is handled in a professional and transparent manner. ### **AI systems and further tools** The use of artificial intelligence (AI) and advanced technologies such as **computer vision and OCR (optical character recognition) for** [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) **and other associated processes** is revolutionizing the way real estate companies manage documents and data. These tools make it possible **not only** to **digitize documents, but also to analyze them automatically and accurately to extract relevant information that can be used in downstream processes** such as identity verification or **risk assessment**. Through computer vision, systems can detect whether a document has been tampered with or is authentic, while OCR converts information from documents into structured data. This is **especially useful in** [**due diligence**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) **processes and for regulatory compliance**, where the review and validation of large quantities of documents is required.  **Bank scraping** is another emerging technology that is gaining popularity in the real estate industry. It is a tool that allows real estate companies to **obtain financial information directly from clients' bank accounts**, with their consent. This process is especially useful for **verifying income**, **assessing the financial capacity** of buyers or tenants ([**bank scoring**](https://www.tecalis.com/blog/credit-score-banking-scoring-check-bank-what-is-loan-types-improve)) and **facilitating the mortgage or rental approval process**. ## **Featured use cases**  The adoption of digital tools in Real Estate has been driven by the need to improve efficiency, security and speed of processes. The following highlights some **key use cases that show how technologies such as e-signatures and identity verification are transforming the real estate sector**: 1. **Buying and selling properties**: Digital platforms allow buyers and sellers to sign contracts from anywhere in the world, eliminating the need for physical meetings. 2. **Property leasing**: Signing leases digitally reduces waiting time and streamlines the formalization of agreements. 3. **Real estate investments**: Real estate crowdfunding platforms, such as Crowdestate or Fundrise, allow small investors to participate in large projects through electronic signatures. 4. **Tenant verification**: Identity verification tools allow you to verify the identity and creditworthiness of tenants quickly and accurately, reducing the risk of fraud. 5. **Commercial property management**: Large companies are using electronic signatures to manage contracts with multiple suppliers and customers. 6. **Notarial registries**: Some countries are already allowing the registration of real estate transactions through electronic signatures, eliminating the need for face-to-face procedures at notaries' offices. 7. **Mortgage financing**: Digital signatures streamline the mortgage application and approval process, improving the customer experience. 8. **Legal process automation**: Real estate lawyers are using digital tools to automate the drafting and signing of legal documents. 9. **Purchase of international properties**: The electronic signature facilitates the purchase of properties in other countries, avoiding the need to travel. 10. **Inspection certifications**: Property inspections can be digitally certified, streamlining the buying and selling process. 11. **Commercial lease agreements**: Large real estate companies are using electronic signatures to enter into commercial leases in multiple locations. 12. **Property auctions**: Some digital platforms allow participation in real estate auctions from anywhere in the world via electronic signature. 13. **Land purchase**: Project developers use electronic signatures to expedite the purchase of land for construction. 14. **Transactions in secondary markets**: Buying and selling properties in secondary markets is facilitated by the digital signature. 15. **Energy certifications**: Contracts related to the energy efficiency of properties can be managed remotely via electronic signature. Thanks to the tools discussed above, it is possible to perform a detailed analysis of the client's financial profile in a matter of minutes, enabling faster, data-driven decisions. This **automation not only improves operational efficiency, but also reduces the risk of human error and increases transparency** in due diligence processes**.** AI tools and bank scraping are providing a new level of **accuracy, savings and speed** in financial and document data management, enabling real estate companies to operate more securely and efficiently in an increasingly digital environment. ## **Laws and regulations in RE: New standards and how to comply in an automated way** Regulatory compliance is one of the biggest challenges for real estate companies, especially when it comes to international regulations. New laws and regulations affecting the industry include: 1. **General Data Protection Regulation (GDPR)**: This EU regulation imposes strict requirements on the protection of personal data. Tools such as Tecalis allow you to automate GDPR compliance, ensuring that customer and investor data is handled properly and **stored in a document manager such as Tecalis Sign**. 2. **Prevention of Money Laundering and Terrorist Financing Act (AML/CFT)**: This legislation requires companies to verify the identity of their customers to prevent money laundering. RegTech solutions enable real estate agencies to comply with these obligations in an automated manner. In conclusion, the digitization of the real estate sector is enabling a new era of efficiency, transparency and security. Tools such as electronic signatures and identity verification are now **indispensable to streamline processes and reduce risks**. PropTechs continue to lead innovation in this field, offering solutions that radically transform the way properties are bought, sold and managed. --- ## Banking and microfinance: customer priorities **URL:** https://www.tecalis.com/blog/banking-micro-finance-customer-journey-onboarding-preferences-ai **Descripción:** Customer preferences in banking and microfinances have changed in recent years due to AI and innovation in customer journey processes. In recent years, the **banking and microfinance industry** has undergone major changes driven by financial technologies (FinTech), digitization, **stringent regulation and consumer demand for more seamless and personalized experiences**. In this scenario, the **trade-off between ensuring security and delivering an exceptional user experience (UX)** is no longer a dilemma. Financial institutions are discovering that with the right technology, such as that developed by **Tecalis and** [**Moventi**](http://moventicorp.com), **they can deliver both without compromising service quality or increasing operating costs**. The changes that are shaping the financial sector, encompassing the adoption of emerging technologies such as **artificial intelligence (AI) and big data, the evolution of transaction security and** [**onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **processes**, and the essential role of user experience in customer retention are impacting banking operations head on. ## **From traditional banking to NeoBanks** The digital transformation of [**banking, financial services**](https://www.tecalis.com/industries/banking-financial-services-fintech) **and microfinance** is a global phenomenon. NeoBanks, with their 100% digital approach, have challenged traditional financial institutions by offering **agile, accessible services** with significantly lower operating costs. In fact, **it is estimated that the number of NeoBanks users will exceed 50 million worldwide by 2024, according to** **_Statista_**. These entities have emerged as a response to the shortcomings of traditional banking, which, in many cases, has been unable to adapt quickly to modern consumer expectations. NeoBanks offer a banking experience that is fast, simple and, in many cases, completely **fee-free, attracting a generation of customers accustomed to the immediacy and convenience** that digital platforms provide. However, this growth has also brought new challenges, especially in terms of security and regulatory compliance. ## **Regulation and compliance ever changes** **Financial regulation** has historically been an area of great complexity for financial institutions. The growth of NeoBanks and FinTech platforms has forced regulators to adapt their regulatory frameworks to address emerging risks such as digital fraud and money laundering. Regulations such as [**PSD2 (Payment Services Directive 2)**](https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca) **in Europe and the Bank Secrecy Act in the United States** require institutions to adopt strict controls, especially regarding multi-factor authentication and transaction monitoring. According to a study conducted by **_Accenture_****, 58% of financial institutions recognize that regulatory compliance is one of the main challenges** when implementing new technologies. However, advanced solutions, such as [**digital identity**](https://www.tecalis.com/blog/digital-identity-what-is-user-internet-print-footprint-reputation-protect-make-management) **verification systems (KYC and AML) and electronic signatures**, have enabled institutions to comply with these regulations without compromising the user experience. ## **Safety systems integrated into Customer Journeys** One of the biggest risks associated with financial digitization is [**identity fraud**](https://www.tecalis.com/blog/identity-fraud-usurpation-protection-companies-systems-prevention-antifraud-identification-security-theft-data-scam-types). **_Kaspersky's Global Banking Security Report 2023_** **revealed that cyberattacks in this area targeting banks and FinTechs have increased by 42% in the last five years**. The implementation of advanced cybersecurity technologies, such as **biometrics and AI-powered** [**KYC/AML systems**](https://www.tecalis.com/blog/know-your-client-kyc), is critical to mitigate these risks. **Biometrics** has gained prominence in digital banking due to its ability to offer a **higher level of security than traditional authentication methods and its recent legal backing**. Technologies such as facial recognition, [**voice biometrics**](https://www.tecalis.com/es/blog/biometria-de-voz-identificacion-online-digital-que-es-como-funciona-tipos-activa-pasiva) and fingerprint make it possible to verify user identity accurately and in real time. According to a **report by** **_Juniper Research_****, it is expected that by 2025, more than 86% of financial institutions will use some form of biometric authentication** for their risk operations. In addition, the use of AI systems for real-time fraud detection has revolutionized security in banking. AI is capable of analyzing large volumes of data in a matter of seconds, identifying suspicious patterns that could indicate fraudulent activity. This is especially relevant for identity verification processes during the **onboarding of new customers, as it allows for quick and effective assessment of the risk associated with a user or transaction, in addition to due diligence checks**. ### **Digital Onboarding: maximizing conversion** The onboarding process, that is, the registration of new clients, is one of the key moments in the relationship between a financial institution and its users. This process must be **fast, secure and simple**. However, **poorly managed onboarding can result in high abandonment rates**. According to **_Deloitte_****, up to 43% of potential customers abandon the onboarding process if they encounter difficulties or perceive risks during the process**. The most advanced financial institutions have **responded to this challenge by implementing RegTech automated verification technologies that not only improve security, but also reduce the time required to complete the enrollment process**. Solutions such as [**electronic signature and unified document validation systems**](https://www.tecalis.com/es/guias/onboarding-contratacion-kyc-esignature-firma-electronica-proceso-workflow) allow customers to complete the entire process from their mobile device or any end-to-end camera system, eliminating the need to travel to a physical branch. **Tecalis, in collaboration with Moventi, has successfully implemented such solutions in several financial institutions**. Through its identity verification technology, based on AI and facial recognition, customers can sign up in a matter of minutes, complying **with all banking security regulations** and offering a frictionless user experience. ## **User experience: key factor for churn rates** While security is essential to protect customers and comply with regulations, user experience (UX) is what determines whether those customers will stay or leave the platform. A **_PwC_** study **found that 32% of consumers will stop interacting with a brand after a single bad experience**, underscoring the importance of providing an interaction flow that is seamless and enjoyable. In the case of banking and microfinance, UX not only affects customer retention, but also has a direct impact on new user conversion. Financial platforms that achieve an **engaging and seamless user experience are up to 30% more likely to convert prospects into customers**, according to data from _McKinsey & Company_. Financial institutions should focus on offering **omnichannel experiences**, allowing customers to **interact with their services through multiple touch points**, from mobile applications to web platforms or even shopping malls. An innovative example of this is the [**Customer Hub**](https://www.tecalis.com/products/customer-hub-sales) platform, which allows BFSIs (Banking, Finance and Insurance) to **manage their sales and operations through alternative channels, such as airports and shopping malls and the use of** [**interactive Kiosks**](http://tecalis.com/products/kiosk-terminal-interactive-identity-self-service-atm-pos), where customers can purchase financial products without the need to visit a physical branch. ## **Industry success stories** One of the best **examples** of how financial institutions can achieve a **balance between security, innovation and user experience** is the case of **Caja Arequipa in Peru**. This institution, which began its digital transformation more than seven years ago, has successfully implemented a **digital banking platform that allows customers to open accounts, apply for microcredits and make transfers completely online with total security**. The implementation of advanced technologies, such as electronic signatures and multifactor authentication, has enabled Caja Arequipa not only to **comply with local regulations, but also to offer an exceptional user experience**. According to the bank, the adoption of its digital platform has **increased the number of customers by 25% in the last year**, and **has reduced the time required to complete transactions by more than 30%**. ## **Artificial Intelligence and Big Data: Standard by 2027** Artificial intelligence and big data are playing an increasingly important role in the personalization of financial services. These technologies enable institutions to **analyze large volumes of data to better understand customers' needs and behaviors**, which in turn allows them to offer products and services more tailored to their preferences. A **_Gartner_** report **estimates that by 2027, more than 60% of global banks will use artificial intelligence** to improve operational efficiency and personalize customer interactions. This personalization is key to increasing customer retention and improving conversion. Banks that use AI and big data to personalize their offerings are **45% more likely to retain customers in the long term, according to a study by** **_Accenture_**. ## **Future of banking and microfinance** The banking and microfinance industry is at a crossroads. The **need to comply with strict regulations and the growing threat of digital fraud** require institutions to adopt **robust security solutions**. However, modern customers also demand seamless and personalized user experiences. The key to success lies in finding the **right balance between both priorities**. Companies leading this transformation, such as Tecalis and Moventi, have demonstrated that it is possible to deliver an exceptional user experience without compromising security or regulatory compliance. As technologies such as artificial intelligence, biometrics and big data continue to evolve, the future of banking is shaping up to be one in which innovation and security go hand in hand, enabling institutions to not only survive, but **thrive in an increasingly competitive environment**. --- ## KYC, KYB & AML: Fraud and money laundering prevention **URL:** https://www.tecalis.com/blog/kyc-kyb-aml-fraud-prevention-money-laundering-news-trends **Descripción:** The creation of a secure financial ecosystem depends on secure and agile KYB, KYC and AML processes.Learn more! **Fight against fraud** and **money laundering** has **intensified**. Companies are faced with **increasing volumes of information and operations both digitally and in face-to-face locations**, which has increased the **complexity of complying with regulations and protecting against fraudulent activity**. Fortunately, technology, especially artificial intelligence (AI), is revolutionizing the way organizations address these challenges. ## **Evolution of fraud and its tech solutions** **Fraud has experienced exponential growth in recent years**. This phenomenon has forced companies to adopt more sophisticated measures to prevent it - in addition to the **emergence of new regulations that make it mandatory to adopt them**. Advanced technologies such as artificial intelligence, facial recognition and [**process automation**](https://www.tecalis.com/blog/process-autoamtion-types-rpa-bpm-what-is-how) are essential to combat [**identity theft**](https://www.tecalis.com/blog/identity-theft-bank-crime-usurpation-penalty-digital-types-what-is-risk-internet-theft-accounts-spoofing), detect deepfakes and **ensure that customers and companies are who they say they are.** . According to a **PwC report, 77% of global companies have experienced some form of fraud or economic crime in the last 24 months**. The average cost of these incidents is **$42 million per affected company**. This highlights the urgent need to integrate advanced prevention tools ## **Digital Onboarding: frictionless and secure processes** One of the most critical processes in fraud management is **digital onboarding, both for individual customers (**[**KYC**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data)**, Know Your Customer) and companies (**[**KYB**](https://www.tecalis.com/guides/kyb-know-your-business-infographics-overview)**, Know Your Business)**. This process involves verifying the customer's identity, validating the documentation provided and implementing anti-money laundering (AML) controls. Thanks to AI and the most innovative RegTech solutions provided by players such as **Tecalis and** [**Agile Control Solutions**](https://agilecontrolsolutions.com/), **onboarding can be done in minutes, without friction and with a high level of security**. This is possible through the integration of advanced systems such as OCR (Optical Character Recognition) for reading documents and the use of **passive liveness testing to ensure that the person in front of the camera is real and not a deepfake**. * The implementation of AI in onboarding processes has reduced customer registration times from 10-15 minutes to only 3-4 minutes in many companies. * The use of advanced OCR systems makes it possible to verify and validate documents in seconds, drastically reducing human error and review times. ## **Automation in Fraud Detection: AI implementations** AI-driven automation is key in detecting behavioral fraud during the [**onboarding process**](https://www.tecalis.com/blog/onboarding-what-is-employees-clients-companies-incorporation-induction-process). This technology **not only analyzes the documents submitted, but also examines the user's behavior during registration**, detecting anomalous patterns that could indicate fraud attempts. In addition, companies are implementing **Perpetual KYC (Continuous KYC)** solutions, which allow constant monitoring of customers with recurring [**anti-fraud**](https://www.tecalis.com/products/anti-fraud-controls) and anti-money laundering **controls**. This is especially useful for detecting changes in a company's status, such as a **change of headquarters or entry on watch lists such as PEP (Politically Exposed Persons) or sanctions lists**. ## **Anti-Fraud Regulations and Standards** The regulatory landscape is becoming increasingly stringent in terms of fraud and money laundering prevention. Globally, regulations such as the [**AML6**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) in Europe have been adopted, **forcing companies to implement stricter controls and comply with international standards to combat money laundering**. In **Latin America and other regions**, although regulations vary, the trend is clear: similar legal frameworks are being implemented to strengthen the **supervision** of companies and their compliance processes. ### **Artificial Intelligence and RPA automation in compliance** In the compliance arena, AI has proven to be a powerful tool for streamlining processes and ensuring that companies comply with local and international regulations. Machine learning algorithms can analyze large volumes of data in real time, **detect suspicious transactions and generate automatic alerts when unusual behavior is detected**. In addition, AI systems can connect to government and global databases to verify the identity of customers and companies in a matter of seconds. This includes querying PEP lists, international sanctions lists and trade registers, ensuring that organizations are not operating with high-risk individuals or entities. * AI has reduced the time companies spend on manual compliance tasks by 50%. * Automated systems can detect fraud patterns in large volumes of data with 95% accuracy. ## **A secure financial ecosystem** The impact of automation on risk management and compliance goes beyond fraud prevention. **BFSI companies that have adopted RegTech (regulatory technology) solutions have seen significant improvements in terms of operational efficiency**, **cost** reduction and customer **satisfaction**. Automation has also enabled companies to **expand into global markets without the need for large compliance teams in each country**. This is possible thanks to the **integration of APIs** that connect risk and fraud management systems with local and global regulators, ensuring compliance anywhere in the world. ## **The future of compliance: AI and proactive prevention** The future of compliance is inextricably linked to artificial intelligence. As technologies advance, AI solutions will be able to **anticipate and prevent fraud before it occurs**. This includes the ability to predict **high-risk** behavior patterns and generate **proactive alerts** so that companies can take **preventative measures**. The use of AI will not only improve security and fraud prevention, but also **optimize the customer experience**, making processes faster, more efficient and secure. Digital transformation in compliance and fraud prevention is unstoppable. Companies that fail to adopt advanced technologies, such as AI and automation, risk falling behind and exposing themselves to increased **risk of fraud and regulatory sanctions**. Artificial intelligence has become an indispensable ally for fraud detection, risk management and regulatory compliance. Today's solutions are already reducing costs, optimizing processes and improving security for companies globally. In short, the **combination of AI, automation and RegTech solutions for money laundering** is not only changing the way companies prevent fraud, but also how they manage their relationship with customers and regulators, ensuring a safer and more efficient future for all players in the financial ecosystem. --- ## Finance and FinTech trends and challenges **URL:** https://www.tecalis.com/blog/finance-fintech-trends-challenges-innovation-compliance **Descripción:** FinTechs and financial institutions launch the latest industry trends and discuss how to meet new challenges. ## **Cybersecurity in banking: Challenges and solutions** **Security for both online and in-branch processes** remains a major concern for financial institutions. Increasing digitization has **widened the attack surface**, exposing banks and FinTechs to increasingly sophisticated threats such as **phishing**, **ransomware** and [**financial fraud**](https://www.tecalis.com/blog/challenges-trends-identity-verification-fraud-kyc-kyb-identification-authentication-risk). Today, banks, [**FinTechs**](https://www.tecalis.com/blog/fintech-financial-technology) and industry companies should focus on: * **Identity fraud resilience:** Strengthen the security of your infrastructure and establish effective response plans. According to a study by **Allied Market Research**, the **global market for anti-fraud solutions in banking** will reach **USD 70 billion by 2026**, driven by regulations and the adoption of artificial intelligence technologies. * **Identity management:** Institutions must strengthen [**multifactor authentication**](https://www.tecalis.com/blog/multi-factor-authentication-mfa-multifactor-solutions-system-security-double) and combat threats such as **deepfakes** and impersonation attacks, using technologies such as **advanced biometrics**. The **DORA (Digital Operational Resilience Act)** Regulation, which will come into force in 2025, will be key to ensuring operational resilience in the financial sector, forcing entities to adapt to stricter regulatory requirements. ## **Generative AI impact on finance** Artificial intelligence (AI) has transformed the financial industry, and its evolution to **generative AI** will open up new opportunities in areas such as: * **Analysis of financial data and complex documentation:** Enabling faster and more accurate decision making through [**OCR**](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online) and document management solutions. * **Automation of administrative tasks:** Optimizing **treasury and accounting** management. Use cases include **AI in bank lending**, where algorithms can assess credit risks more efficiently, or automating customer service through **conversational AI**. According to a **Gartner** report, **75% of financial institutions will use AI for full or partial process automation** by 2026. ### **Automation and financial optimization through AI** AI-driven **automation** continues to revolutionize the way companies manage their financial operations. According to **DocuWare**'s **Mauricio Valencia Ochoa**, technologies such as process automation improve operational efficiency and reduce costs. Key areas of impact include: * **Optimization of payment processes**: AI enables proactive detection of anomalies and fraud prevention. * **Financial forecasting**: AI tools can forecast market fluctuations and adjust financial strategy in real time. * [**Know Your Business**](https://tecalis.com/product/kyb-business-verification-ia-screening): KYB business verification solutions with **bank scraping and AI screening** are already enabling new high-growth business models previously not viable without this technology. A **McKinsey** report estimates that financial automation could **save companies up to USD 4 trillion annually by 2027**. ## **eIDAS 2 and the future of digital identity** The **eIDAS 2** regulation will be crucial in defining the **digital identity** landscape **in Europe**. This regulation will enable greater **interoperability of trust services across the EU**, ensuring the **validity of electronic signatures and other authentication tools in BFSI areas**. **The** combination of **NFC, the new** [**eIDAS2**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet) **digital wallets and biometrics** will enhance **layered authentication and biometrics,** being key to authenticate users more securely and perform full KYC processes in seconds with advanced customer due diligence controls. The **global digital identity market** will grow at **22% annually** between 2025 and 2029, driven by the increasing demand for secure solutions and the expansion of regulations such as **eIDAS 2 and EUDI Wallets**. ## **Innovation in financial technologies: DeFi and tokenization** The **Decentralized Finance (DeFi)** ecosystem and **tokenization** are reshaping traditional finance. In 2024, FinTechs will continue to explore new business models through the issuance of **tokens** and the use of [**smart contracts**](https://www.tecalis.com/es/blog/smart-contracts-contratos-inteligentes-contract-contrato-que-son-sirve-ejemplos-tipos-ventajas-funcionan) to facilitate secure transactions without intermediaries. * **Tokenization of assets**: From real estate to financial assets, tokenization allows the fractionation and democratization of investment. * **DeFi Ecosystem**: According to **DeFi Pulse**, the value locked in DeFi protocols **reached USD 50 billion** in 2023, and is projected to continue to grow. ## **Cryptoassets and CBDCs** The adoption of **cryptocurrencies** and **central bank digital currencies (CBDCs)** will continue to increase. According to the **Bank for International Settlements (BIS)**, **90% of the** world'**s central banks** are researching or developing **CBDCs**. In parallel, the **Cryptoasset Markets Pilot Regime (MiCA)** and its associated regulations will seek to establish a clear legal framework for the issuance and trading of cryptoassets in Europe. This framework will regulate the transparency, security and operability of cryptocurrency service providers. The goal is to provide a secure environment for both investors and companies wishing to operate in this space, which promises to accelerate innovation and adoption of these assets. ## **Alternative investments and Venture Capital** **Alternative investments** and **Venture Capital** are gaining ground as growth drivers, especially in emerging sectors such as **Health Tech** and **FinTech**. According to **PitchBook** data, investment in FinTech startups globally exceeded **USD 40 billion in 2023**, and is expected to grow by **15% annually** until 2025. Sectors such as **Health Tech** stand out as key investment areas, with companies developing innovative solutions that improve quality of life through technology. Venture capital will continue to be critical in driving innovation in FinTech, especially in emerging technologies such as **Web3** and **blockchain**. ## **Financial inclusion and social impact of FinTechs** **FinTechs** play a key role in **financial inclusion**, enabling access to financial services for unbanked populations. According to the **World Bank**, more than **1.7 billion people** still do not have access to formal bank accounts, and FinTechs are well positioned to change this reality. * **Inclusive business models**: Many innovative startups are developing solutions that promote financial inclusion through digital tools. * **Alternative financing**: The rise of **crowdfunding** and peer-to-peer **lending** platforms is democratizing access to capital for small businesses and entrepreneurs. These trends not only drive innovation in the financial sector, but also have a positive impact on society, **closing the gap between those who have and those who do not have access to financial services**. In the immediate future, the financial sector will undergo a transformation driven by technological innovation and regulatory changes. **Artificial intelligence, cybersecurity, cryptoassets,** [**digital identity**](https://www.tecalis.com/products/identity-verification) **and financial inclusion** will be key themes. FinTech will continue to play a pivotal role in the evolution of the industry, with new opportunities and challenges on the horizon. The future of finance is digital, inclusive and resilient. --- ## Mobility: Trends in the transport ecosystem. **URL:** https://www.tecalis.com/blog/mobility-what-is-transport-transportation-urban-city-renting-cars **Descripción:** Mobility sector and transport industry is evolving. New trends, opportunities and disruptive technologies in logistics and MaaS. Urban mobility and companies dedicated to both passenger and freight transportation have evolved at a dizzying pace in recent years. The concept of "mobility" has emerged as an **integral phenomenon that encompasses not only the transportation of people, but also the transformation of logistics, vehicle rental, and the adoption of new technologies**.  Next we will delve into the mobility ecosystem, analyzing its **meaning, trends and latest news, regulations and innovative tools** that are revolutionizing the industry and the business around it. ## **Everything about Mobility: What does it mean?** Mobility refers to the **set of solutions that enable the movement of people and goods in an efficient, sustainable and accessible manner.** It goes beyond simple physical transportation, encompassing technological, social and environmental aspects. In this sense, mobility is a multidimensional concept that is integrated with **daily life, the economy and urban planning**. In the last decade, we have seen a **significant increase in attention to the** [**mobility sector**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing), driven by urbanization, climate change and technological development. The main goal of modern mobility is to create systems that minimize environmental impact while optimizing transportation efficiency. Thus, when we talk about this concept, mobility is an integral ecosystem that **encompasses the different means of transportation and movement of people and goods,** including traditional vehicles, new modes of **shared transportation**, **logistics and supply** systems**, infrastructure, regulations and technologies** that enable and support these systems and **businesses dedicated to transportation**. The term mobility goes beyond simple physical movement, encompassing the entire **set of services, solutions and tools that facilitate and optimize the mobility of people and goods**. It ranges from traditional means of public and private transportation (buses, subways, cabs, rental cars, etc.) to new emerging models such as [**car sharing**](https://www.tecalis.com/blog/what-is-car-sharing-platforms-apps-webs-companies-cars-clubs-bike-motoshating-rental-carshare)**, bike sharing, scooter sharing, ride hailing and other forms of shared or on-demand transportation**. ## **Mobility industry and ecosystem**  Mobility and transport also encompasses the technological innovations that are transforming the sector, such as **electric, autonomous and connected vehicles, mobility applications, intermediation platforms, integrated payment and invoicing systems**, logistics and supply chain AI solutions, and many more. It is a **paradigm that prioritizes access to mobility over ownership**, providing users with a wide variety of options to move around in a flexible and efficient manner. This paradigm shift has been made possible by the development of technologies such as mobile applications, [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) systems, the Internet of Things (IoT) and artificial intelligence, which have enabled the creation of digital platforms that connect users and mobility service providers. The mobility sector is **a complex and constantly evolving ecosystem that involves multiple players**, from traditional vehicle manufacturers to new providers of shared mobility and technology solutions. Among the main players that make up this mobility ecosystem are: 1. **Traditional rental companies**: Businesses that have had to adapt to new market demands by including vehicle renting and leasing models. 2. **Traditional vehicle manufacturers**: Automotive companies that are investing in electric and autonomous mobility, such as Tesla and Volkswagen. 3. **Governments and public entities**: Establishing policies and regulations to facilitate sustainable mobility. 4. **Technology**: Companies that develop software and hardware to improve the user experience, such as navigation applications and fleet management platforms. 5. **Infrastructure providers**: construction companies, parking lot operators, electric vehicle chargers, etc. 6. **Logistics, supply chain and distribution companies**: Logistics operators, carriers, distributors, etc. that adapt to new mobility and transport trends. ### **New business and players in the sector** In terms of **new business models** that are transforming the way people and goods move, we can find a wide variety of disruptive players that are creating a **diversified ecosystem that responds to the changing needs of society**. Among the most prominent types of mobility industry businesses are: * **Micromobility companies:** They offer rental services for electric scooters, bicycles and other personal mobility vehicles. * **Ride-hailing and pooling platforms:** Connect passengers with private drivers through mobile applications. * [**Renting**](https://www.tecalis.com/blog/car-rental-cars-what-is-vehicles-platforms-companies-individuals-leasing-2023-functions-car-rental-subscription)**, leasing and pay-as-you-go insurance**: They provide vehicles to drivers in a totally flexible way with no commitments or permanence in many cases. * **On-demand public transportation services:** Adapt public transportation routes and schedules to the needs of users. * **Shared mobility companies**: Operators of car sharing, bike sharing, scooter sharing, ride hailing, etc. services such as Uber, Bolt, FreeNow, Lime, Tier, etc. * **Corporate mobility:** Companies that offer mobility solutions to their employees, such as car-sharing fleets or incentive programs for the use of sustainable transportation. * **Mobility as a Service (MaaS):** Platforms that integrate different modes of transportation and complementary services into a single application, allowing users to plan their trips easily and efficiently. * **New electric and autonomous vehicle manufacturers**: Tesla, Rivian, Waymo, Cruise, etc. are developing and introducing vehicles with alternative propulsion and autonomous driving capabilities. All **these players, together with the traditional players in mobility and transportation, make up an interconnected and constantly evolving ecosystem**, introducing new business models, technologies and services that transform the way we move and transport ourselves. ## **Latest mobility trends and news** The mobility sector is constantly evolving, and some of the most prominent trends recently under review cannot go unnoticed. In the near future, we will see major change in the following aspects of the mobility and transport sector: 1. **Regulation and public policies**: Governments and institutions are establishing regulatory frameworks and incentive programs to encourage the adoption of new forms of mobility, **requiring changes to new mobility platforms**. 2. **Electrification**: The transition to electric vehicles is being driven by government policies and consumer demand. According to a report by the International Energy Agency, the number of electric vehicles on the road is expected to reach 145 million by 2030. 3. **Autonomy**: Autonomous vehicles are gaining ground. Companies are investing in technologies that enable autonomous driving, which could revolutionize public and private transportation. 4. **Sustainability**: The pressure to reduce carbon footprint has led many companies to adopt more sustainable practices, from the use of renewable energy to the implementation of shared mobility solutions. 5. **Multimodal integration**: Mobility is no longer limited to a single mode of transportation. Applications are starting to integrate different modes of transportation (buses, bicycles, trains) to offer users a more seamless experience. These trends, together with the **development of enabling technologies** such as 5G connectivity, **e-signatures, eIDAS 2 wallets**, artificial intelligence and big data, are giving rise to a mobility ecosystem that is constantly evolving and innovating. ## **Data Protection Agencies: What do they require from mobility companies?** **Data Protection Agencies and Mobility Regulators** play a crucial role in regulating the **processing of personal data in the mobility sector**. Companies operating in this field must comply with the [**General Data Protection Regulation (GDPR)**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) **and other specific regulations**. In the context of the mobility sector, the AEPD has established a series of requirements and guidelines that companies must comply with when processing the personal data of their users: 1. **Non-storage and minimization of data:** Companies in the industry may not store sensitive data such as identity documentation or driving licenses, as well as other information**. They must use RegTech players and QTSP providers** that do the analysis and verification of these according to standards such as eIDAS, AML and RGPD. 2. **Secure Onboarding**: The registration process of new users must be secure and comply with current regulations, guaranteeing the veracity of the information provided with checks validated by the QTSP without the need to store the information, making a **disclaimer** thanks to this. 3. **Informed consent**: Companies should ensure that users understand what data is being collected and for what purpose. 4. **Transparency**: They must provide clear information on how the data will be used and the rights that users have over them. Compliance with these requirements is fundamental and **mandatory for companies in the mobility sector or else they will be severely penalized**, since the protection of users' personal data is a key aspect in the relationship of trust and the provision of mobility services in the digital environment. ## **E-signing and KYC onboarding for mobility platforms and business** Electronic signatures and identity verification are **essential components in the mobility sector**, especially in processes such as **car rental and the creation of accounts in shared mobility digital platforms, ride hailing and pooling**. [**Electronic signatures**](https://www.tecalis.com/products/electronic-signature) allow companies to ensure the authenticity of documents without the need for paper, and to carry out **contracting and new customer registration processes** instantly, facilitating faster and more efficient transactions. ### **Electronic signature in contracts and agreements** * Subscription of car rental or car sharing agreements * Acceptance of terms and conditions of service * Formalization of agreements with suppliers and mobility partners ([**KYB**](https://www.tecalis.com/product/kyb-business-verification-ia-screening)) ### **User identity verification** * Registration, [**onboarding and KYC identity verification**](https://www.tecalis.com/products/identity-verification) **of new users** in mobility platforms and apps, leasing, etc. * Access to restricted or personalized services * [**Fraud** **prevention**](https://www.tecalis.com/products/anti-fraud-controls) for all types of mobility and transport businesses ### **Digital invoicing and payments** * Issuance of electronic invoices for mobility services * Payment processing through gateways and **digital wallets** * Claims and returns management ### **Regulatory compliance** * Identification of users and drivers for compliance with legal requirements * Identity authentication in shared mobility and logistics processes * Electronic signature for deliveries and receipts in delivery and transport of goods * **Electronic evidence** recording **and** [**certified communication**](https://www.tecalis.com/products/certified-communication) in transport, logistics and supply chain Electronic signature and digital identity verification solutions, based on technologies such as biometrics and advanced electronic signatures, enable mobility companies to streamline and secure these key processes, improving the user experience and ensuring regulatory compliance. ## **Compliance: regulations and laws affecting the industry** Compliance is essential in the mobility industry, where various regulations impact the way companies operate. Some of the relevant regulations include: 1. **General Data Protection Regulation (GDPR)**: As mentioned above, this law is fundamental for the protection of personal data. 2. **Standards for digital identity, payments, authentication, electronic signature and MaaS technology systems**: Here we find **eIDAS, AML, DORA Regulation, NIS2 and PSD2 (SCA).** 3. **Liability in case of accidents:** Mobility companies must have adequate insurance to cover damages caused to third parties in case of accidents. **The digital contracting of insurance with electronic signature is crucial for these cases**. 4. **Transport regulations**: Laws regulating the safety and operation of vehicles, including regulations on electric and autonomous vehicles. 5. **Regulations on personal mobility vehicles:** Vehicles such as electric scooters and bicycles are subject to specific regulations regarding their use on public roads. 6. **Environmental legislation**: Regulations requiring companies to reduce their environmental impact, promoting sustainability in their operations. 7. **Labor regulations**: Rules governing working conditions for drivers and employees in the mobility sector. 8. **Tax regulations**: Taxes and fiscal obligations that companies in this sector must comply with. Failure to comply with these regulations can result in significant penalties, so it is **crucial that companies keep up to date with RegTech tools and comply with all applicable laws automatically, affordably and easily**. ## **MobilityTech: new tools and solutions to enable new use cases and business models** Technology is playing a key role in the evolution of the mobility sector. New MobilityTech tools and solutions are enabling companies to innovate their business models and improve the user experience. Some of the key technologies include: ### **Integrated mobility platforms** * Apps and ecosystems that allow users to plan, book and pay for different modes of transportation (public, private, shared) in a single experience. * Mobility-as-a-Service (MaaS) solutions offering subscriptions and multimodal mobility packages. ### **Connected and autonomous vehicle technologies** * Driving assistance systems (ADAS) and vehicles with autonomous driving capabilities. * Sensors, V2X communications and connected fleet management platforms. ### **Shared mobility solutions** * Car sharing, bike sharing, scooter sharing and ride hailing platforms and applications. * Integrated reservation, unlocking and billing systems. ### **Logistics and last mile** * Route planning and optimization tools. * Delivery and distribution solutions with electric vehicles, drones and robotics. ### **Infrastructure and energy** * Charger networks and charging stations for electric vehicles. * Energy management technologies and storage systems for electric mobility. ### **Analytics and data** * Mobility intelligence platforms that process and analyze data from multiple sources. * Demand forecasting, fleet optimization and decision making tools. ## **Transport and logistics: news and trends** Transport and logistics are key verticals of the mobility ecosystem. MobilityTech's integration of tools is enabling companies to optimize their operations and improve supply chain efficiency. Some of the highlights include: 1. **Supply chain optimization**: Companies are using advanced technology to manage and optimize their supply chains such as [**e-procurement solutions**](https://www.tecalis.com/blog/e-procurement-electronic-procurement-supply-business-b2b-supplies-purchase-sell-business), from planning to delivery. 2. **Last mile logistics**: The focus on efficient product delivery in urban areas is leading to the adoption of innovative solutions such as drones and electric vehicles. 3. **Integration of transportation modes**: Multimodal mobility is allowing users to combine different modes of transportation (bicycles, buses, trains) for a more seamless experience. 4. **Route optimization and planning:** Fleet management and routing systems that use real-time data and AI algorithms to plan more efficient routes. Brokerage and matching platforms that connect carriers with shipments and cargo. 5. **Shared mobility:** Platforms that allow the grouping and consolidation of shipments to optimize occupancy and efficiency. In conclusion, the **mobility sector is in full transformation, driven by technological innovation and the demand for reliable service solutions**. From the electrification of vehicles to the implementation of MobilityTech and RegTech tools, the future of mobility promises to be more efficient, accessible and environmentally friendly. **Companies that embrace these trends and comply with current regulations will be better positioned to thrive in this dynamic ecosystem**. --- ## Digital onboarding for utilities: energy contracting **URL:** https://www.tecalis.com/blog/utilities-digital-energy-onboarding-kyc-signature-electronic-customer-acquisition-sales **Descripción:** The utility industry has started using KYC onboarding and digital signatures to streamline all hiring, onboarding and customer service processes. The **companies that supply and market electricity, gas and water services, etc., are** undergoing an accelerated digital transformation process. The need to optimize customer-related processes, improve the experience of commercial agents and adapt to new regulations is driving the adoption of innovative technological solutions. In **utilities**, where **efficiency and customer experience** are imperative, the **implementation of digital onboarding solutions** is fundamentally changing the way companies manage **new customer onboarding**. It is interesting to understand how digital onboarding solutions, which include customer onboarding processes with KYC (Know Your Customer) and e-signature (digital contracting), are transforming the utilities sector, addressing **regulatory challenges**, improving customer experience and **optimizing operational efficiency**. In this context, Digital Onboarding emerges as a **fundamental tool for companies in the sector**. This process allows the registration of new customers online and remotely (via call center), secure and efficient by integrating technologies such as digital identification (KYC) and [**electronic signature**](https://www.tecalis.com/products/electronic-signature). It is also useful to bring these tools to face-to-face sales and digitize the process. ## **Evolution of digital onboarding in utilities** In a context where **customer expectations are increasingly high** and **competition** is fierce, utilities companies are increasingly turning to **RegTech solutions** to streamline and simplify new customer onboarding processes. Traditionally, **these processes used to be long and tedious, with a large amount of paper documentation and multiple stages of manual verification**. In addition, **customers found it difficult and complex to** understand and review everything. However, with the advent of digital technology, utilities are adopting innovative solutions that allow customers to **complete the entire onboarding process remotely, from the comfort of their homes or with the tools a sales agent has on their device**. These solutions use technologies such as **e-signature and automated KYC with** [**user identity verification**](https://www.tecalis.com/products/identity-verification) to **simplify the process, reduce onboarding time and improve the customer experience**. On the other hand, the **utilities sector is undergoing a series of changes that have a** direct **impact** on customer registration and contracting processes: * **Market liberalization:** Increased competition requires more efficient differentiation and customer acquisition strategies. * **Digitalization:** Implementation of new technologies to optimize customer experience and operational efficiency. * **Demand growth:** Population growth and the need for energy services drives the attraction of new customers. * **New business models:** Emergence of disruptive companies and new energy service offerings. ### **Regulation and standards in the utilities sector** The utilities industry is subject to strict regulations and standards that address all aspects of its operation, **including the process of signing up and contracting customers**. Companies must comply with a number of legal and regulatory requirements to ensure the security and protection of customer data, as well as to prevent fraud. In this sense, RegTech solutions play a key role in helping companies comply with these regulations more efficiently and effectively. Implementing automated KYC processes ensures that customer information is collected and verified accurately and securely, complying with the regulatory standards set by the relevant authorities. Highlighting: * **Personal Data Protection Act and GDPR:** Requires the protection of customers' personal information. * **Information Society Services Law:** Regulates electronic contracting and electronic signatures. * **Sector-specific regulations**: Specific regulations for the electricity and gas sectors, etc. * [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) **and PSD2/3**: Regulations that directly affect digital and remote transactions of any kind, which involves much of the trading side of utilities. ## **Customer registration and contracting processes** The **traditional process of registering a new customer in a utility company is usually complex and slow if the** appropriate digital systems are not in place. It includes a series of processes and phases that, if not digitized correctly, can cause major problems for both users and companies. 1. **Face-to-face application:** The client must go to a physical office to apply for registration if an online process with the **legal guarantees provided by a RegTech** is not available. 2. **Filling out forms:** You must fill out forms with personal and financial information that is sometimes confusing or not readily available. 3. **Presentation of documentation:** Submission of physical documentation such as **ID card, rental agreement, deeds, proof of location**, etc. must be done with anti-fraud controls, to avoid submission of forged documentation. 4. **Signing of contracts:** The customer must sign the **supply contracts**. ## **The contribution of RegTech and specialized softwares** A prime example of such software used by utilities is [**Customer Hub**](https://www.tecalis.com/products/customer-hub-sales), developed by Tecalis. Customer Hub is a comprehensive platform that offers **advanced digital onboarding solutions within a global ecosystem with sales tools**, including automated KYC and e-signature customer enrollment processes.  **Identity verification is a crucial process in a number of situations within the utilities industry**, where customers need to confirm who they are **to access certain services or perform certain key operations**. Below is a list of common use cases and operations where utility users and customers need to verify their identity: * **Registration of new services:** When a customer wishes to contract a new service, such as electricity, gas, water, or any other utility service, it is necessary to **verify your identity to complete the registration process.** * **Change of ownership:** In cases where the owner of a service changes, whether **due to sale of the property or for any other reason**, it is necessary that both **the old and the new owner verify their identity in order to carry out the change of ownership of the service**. * **Modification of personal information:** If a customer needs to modify personal information associated with their account, such as **billing address or contact information**, identity verification may be required to process such changes. * **Requesting additional services or upgrades:** When a customer requests **additional services, such as the installation of a smart meter or the addition of special features to their service**, an identity verification is likely to be required to authorize the request. It also occurs with **cross-sale** of joint products (in collaboration with other partner companies) such as **taking out a subscription to a streaming service or a bank card alongside the energy contract**. * **Request for contract changes:** If a customer wishes to make changes to the terms and conditions of their utility contract, such as **rate type or contract duration**, an identity verification may be required to process the request. * **Incident or complaint reporting:** In the event of incidents, such as **outages, billing errors or damage to facilities**, customers may need to verify their identity when **reporting an incident or filing a complaint** with the utility. For these types of cases, [**electronic notifications**](https://www.tecalis.com/products/certified-communication) **with digital signature tools** are also essential for energy. * **Authorization of payments and direct debits:** To authorize automatic payments or set up direct debits for payment of services, identity verification may be required to ensure the security and validity of financial transactions. These are just a few examples of the use cases and operations in which utility users and customers need to verify their identity or make use of digital signatures. Identity verification is critical to ensure the security, privacy and integrity of utilities, as well as to prevent fraud and ensure regulatory compliance. ## **Marketing and sales of energy / utilities services** In the dynamic area of marketing and sales of energy and utilities services, efficiency and agility are critical to the success of companies in a competitive and constantly evolving market. In this context, Tecalis **Customer Hub** emerges as a comprehensive solution that revolutionizes the way utilities marketers manage their sales channels and marketing tools. These [**BSSs**](https://www.tecalis.com/blog/bss-what-is-how-it-works-business-support-system-telecommunications-oss) offer a **centralized platform that enables marketers to work on every stage of the sales process**, from lead **acquisition** to **conversion and post-sales** customer **loyalty.** The platform provides a variety of tools and functionalities specifically designed to meet the unique needs of energy, light, water, gas and other utilities, with solutions such as: * **Lead management:** The platform allows companies to capture and manage leads from a variety of sources, such as web forms, phone calls and status of hiring processes. * **Lead qualification:** Tecalis Customer Hub helps companies qualify leads so that sales teams can focus on those most likely to buy, rescuing users who did not close a sale at one point of sale and referring them to others to try to complete the opportunity. * **Proposal creation:** The platform allows sales teams to create and send customized proposals to customers and contract signature requests with all legal guarantees. * **Sales tracking:** Customer Hub helps companies track sales progress and identify areas for improvement. Similarly, customers are offered a way to contact utility companies for help and assistance, which sales agents review through CH. One of the key features of Customer Hub is its ability to efficiently and effectively manage **sales channels, including direct sales, sales through external agents, online sales and more, enabling new points of sale to be activated in minutes to make customers in, for example, a shopping mall**. ## **Benefits of digital onboarding in utilities** One of the main benefits of digital onboarding solutions in the utility industry is the significant improvement in **user experience**. By allowing customers to complete the entire onboarding process remotely and paperlessly, these solutions offer a more convenient and frictionless experience, which **increases customer satisfaction and fosters brand loyalty**. In addition, digital onboarding solutions also contribute to improving the operational efficiency of utilities by reducing the costs and time associated with manual and paper-based processes. By eliminating the need for physical documentation and manual verifications, these solutions enable companies to **save time and resources, while minimizing errors and increasing accuracy in data processing**. As a summary of the results after **implementing digital onboarding tools in utilities**, we find**:** * **Agility:** Significantly reduces the time it takes to sign up new customers, eliminating the need for face-to-face procedures. * **Security:** Guarantees customer identification and authentication through KYC, preventing fraud and complying with regulations. * **Efficiency:** Optimizes internal processes, freeing up human resources for more strategic tasks. * **Improved customer experience:** Offers a simple, fast and travel-free sign-up process. * **Cost reduction:** Reduces expenses associated with paperwork and manual management of registrations. * **Increased customer satisfaction:** Facilitates interaction with the company and increases the perception of modernity and efficiency. --- ## EUID: European Digital Identity & eIDAS 2 **URL:** https://www.tecalis.com/blog/euid-digital-identity-regulation-european-union-eidas-2-identification-companies-commercial-registry-wallet-code-eudi **Descripción:** EUID is the EU's code-based business company identification system and digital citizen identity model running ID wallets. The **European Digital Identity** framework, driven by the **eIDAS 2** regulation, is a crucial milestone for the **digitization** of identification in the European Union (EU). This project encompasses everything from **personal identification through the EUID Wallet** to the **identification of companies through the EUID code**. The EU initiative aims to **provide citizens and businesses with** a **unified, secure and easily accessible** digital identity **system**. The **EUID** or **European Unique Identifier** represents an advance in the digital identity of the European Union, which seeks to unify and standardize the identification systems of individuals and companies through digital tools such as the **EUID Wallet or the EUID Code**.  In this article we will explore in depth what EUID is, how it relates to the initiatives of the eIDAS 2 framework and what **benefits** it can bring for the identification of **commercial companies in the EU**, as well as its impact on the European Business Register and on the **identification of citizens** for public administrations and companies. ## **What is EUID** **EUID** (European Digital Identity) is a **unique** European Union **identifier** that **allows citizens and businesses to** establish and confirm their digital identity in a secure and standardized European-wide environment. It is part of the **eIDAS** (electronic IDentification, Authentication and trust Services) project, which has evolved into [**eIDAS 2**](https://www.tecalis.com/blog/eidas-2-electronic-identification-trust-services-eidas2) to provide an **interoperable and accessible digital identity across the EU**. On the other hand, the **EUID code**, or European Unique Identifier, is an essential key in the EU's digital transformation process for **unified business registration and company identification**. Initially established to simplify access and interoperability of cross-border services, the EUID is a key tool to boost the European digital economy. ### **EUID Wallet: European Digital Identity** The **EUID Wallet** or **European Digital Identity Wallet** is **an application** that allows EU citizens to securely **store and share** their personal **information**, identity keys and professional data. In addition, this tool allows the management of multiple **credentials**, such as **academic** history, **marital status**, and professional **permits**, all from a single device, thus eliminating the need for multiple physical IDs. With the [**EUDI**](https://www.tecalis.com/blog/eudi-digital-identity-eu-wallet-eidas2-eidas-2-application) **Wallet**, users will be able to **access public and private services** in any EU country (both digital and face-to-face), avoiding compatibility barriers and unnecessary verifications. This interoperability through an **EUID Wallet (also called EUDI Wallet)** not only improves the experience for citizens, but also optimizes business, legal and administrative processes in all sectors. This system consists of a "**digital wallet**", which will include features such as the creation of qualified electronic signatures and the use of data for online and offline verifications. The **implementation of** the EUID Wallet for all member states is expected **within 24 months of the entry into force of the eIDAS 2 implementing acts**. ### **EUID Code for Identification of Commercial Companies in the EU** The **EUID Code (European Unique Identifier Code)** is an **identification assigned to commercial companies registered** in the European Union, allowing a **standardized connection** between the different commercial registries of each member country. This code allows **companies to be recognized** throughout the EU, **thus avoiding duplications and errors in commercial databases** and facilitating the authentication of corporate identity at international level. This code is particularly relevant for **cross-border business operations**, as it provides a single reference that allows immediate verification of the legal existence of a company in any EU country, thus speeding up procedures such as the registration of subsidiaries or the opening of new headquarters abroad. In addition to personal identity, the EUID code also applies to the identification of legal entities. The aim is to reduce administrative costs and **speed up verification and compliance processes (due diligence and** [**KYB**](https://tecalis.com/es/productos/verificacion-negocios-kyb-ia-analisis?_gl=1*sk6sws*_gcl_au*MTE1MzYzMzMzMi4xNzI2NTcxMDgw*_ga*MTk3NzQyNjM1NS4xNzEwODYwOTk0*_ga_YCTZBSDTX5*https://tecalis.com/product/kyb-business-verification-ia-screening?_gl=1*drkzmx*_gcl_au*MTE1MzYzMzMzMi4xNzI2NTcxMDgw*_ga*MTk3NzQyNjM1NS4xNzEwODYwOTk0*_ga_YCTZBSDTX5*MTczMDkxOTgyMC4xMDUuMS4xNzMwOTIxNDYwLjU3LjAuMA....)**) between companies** at an international level. ## **eIDAS 2 and EUDI / EUID Wallets** With the launch of **eIDAS 2**, the EU seeks to expand the scope of digital identities and improve interoperability between member countries through the **European Digital Identity Wallet** or **EUDI Wallet**. This upgrade strengthens user confidence and control in the management of their digital identity. The [**eIDAS 2 regulation**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet), in force since May 2024, extends and strengthens the EU digital identification system established by the 2014 eIDAS regulation. One of its main developments is the **creation of this European Digital Identity (EUDI) Wallet**, designed to improve interoperability and strengthen security in electronic identification across the EU as we have seen previously. ## **EUID: European Digital Identity Wallet** The **European Digital Identity Wallet** represents a **universal digital identification infrastructure** within the EU, designed to offer secure and easy access to **government, medical and commercial services**. On the other hand, the **European Unified ID** concept seeks to unify under the same identification standard not only individuals, but also companies, by assigning unique codes that validate their authenticity in any transaction. By centralizing these processes in an **EUID Wallet**, more secure traceability and validation of personal and professional data is achieved, allowing users to access their digital rights regardless of country of origin or residence. The EUDI Wallet **is an innovative solution that allows European citizens and residents to carry a digital version of official documents such as driving licenses, diplomas, predefined attributes or medical certificates, among many others**. It also facilitates electronic signatures and identity verification without the need for physical documents. The long-term goal is for the EUDI Wallet to become an indispensable tool for accessing public and private services. ## **Main Features of the European Unified ID** The EUDI Wallet has been designed with three fundamental pillars: **security, interoperability and usability**. This system will ensure that data is controlled directly by the user and that high standards of information protection are applied. The eIDAS 2 also introduces measures in compliance with the [**General Data Protection Regulation (GDPR)**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business), ensuring that citizens' privacy is always protected. The **EUID Wallet** and **EUID Code** offer numerous key features that enable more secure and universal identity management: * **Interoperability**: Facilitates the connection between national digital identification systems. * **Advanced security**: Data protection through encryption and multi-factor authentication. * **User control**: The user has full control over what information to share and with whom. * **Accessibility**: All EU citizens are expected to be able to easily access the EUID Wallet from any compatible device. * **Privacy standards**: Complies with **GDPR** requirements to ensure that personal data is protected throughout the EU. ## **EUID business applications and use cases** The EUID framework enables companies to **optimize customer and supplier identity verification (**[**KYC**](https://www.tecalis.com/es/productos/verificacion-identidad)**)**, facilitate **digital onboarding and reduce fraud**. Sectors such as **banking, insurance and retail** have shown particular interest in these technologies. In addition, the EUID code (for KYB) provides reliable and low-cost verification, enabling secure transactions between companies and customers in different EU countries. The **EUID Wallet** and **EUID Code** can be applied **across industries and sectors**, from e-commerce to financial services to government. Some notable applications include: * **Financial Services**: Facilitates identity verification in account opening processes and cross-border financial services. It also helps in fraud prevention by authenticating identity quickly and securely. * **E-Commerce**: Allows easier and more reliable verification of transactions, improving the user experience and reducing waiting times. * **Telecommunications**: Helps companies comply with KYC (Know Your Customer) regulations in the EU by providing a verified and simplified identity. * **Public Administration**: It speeds up citizens' access to services such as property registration, visa applications, or social security formalities. * **Health Sector**: Allows secure access to shared medical records and authenticates the patient's identity, facilitating the exchange of health data between different EU institutions. ## **EU Digital Identity Benefits** The benefits of the European Digital Identity (EUDI) are manifold and range **from increased transparency and security to simplified access to public and private services**. Notable benefits include: * **Improved interoperability**: With a single identification system, companies and users can operate throughout the EU without the need for multiple registrations in each country. * **Increased security**: Digital identity ensures secure authentication, helping to prevent identity fraud and protecting sensitive user data. * **Cost reduction**: By automating processes, companies and public administrations can save time and resources in identification and information verification procedures. * **Increased efficiency**: EUID Wallet enables streamlined processes, improving efficiency in areas such as cross-border trade and enterprise-wide identity management. * **Privacy and control**: Users are in control of their personal information and can choose what data to share, which reinforces trust and compliance with privacy regulations such as **GDPR**. ## **How to adapt: take advantage of EUID in your business** Preparing for the adoption of EUDI Wallet and EUID in the enterprise environment requires **implementing compliant digital identity systems and fostering internal training in trust services with RegTech tools**. Early adopters will gain an advantage in terms of **operational efficiency and improve customer experience**, while aligning with the security and compliance standards imposed by eIDAS 2, [**PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance) and GDPR. To prepare for the arrival and use of the **EUID Wallet** and **EUID Code**, companies may want to consider the following steps: 1. **Technology upgrade**: Evaluate whether your identity and access management (IAM) systems meet the required interoperability and security standards. 2. **Staff training**: Train teams in the use of digital identities and how to leverage EUID Wallets to improve efficiency and security in operations. 3. **Compliance assessment**: Conduct compliance audits with European regulations, such as **GDPR** and **eIDAS 2**, and update online privacy and security policies. 4. **Integration of verification solutions**: Incorporate identity verification technologies that adapt to EUID and eIDAS 2, such as the use of APIs that facilitate interoperability between systems. 5. **Explore EUID Wallet applications**: Consider how the implementation of digital identities can optimize customer onboarding, contract management or user profiling on digital platforms. With the implementation of the **EUID** and the **EUID Code**, the European Union is moving towards a unified digital transformation, fostering a more secure, reliable and accessible digital ecosystem for all citizens and businesses in the region. The adoption of these technologies not only represents a benefit at the administrative level, but also enables businesses in the EU to operate in a more competitive and robust digital environment. --- ## AI Digital onboarding and registration | Tecalis **URL:** https://www.tecalis.com/blog/ai-registration-digital-onboarding-news-regtech-kyc-finance-client-experience **Descripción:** The impact of AI in relevant areas such as customer registration, digital onboarding and e-recruitment has transformed the experience and security. **Digital onboarding** has become a crucial field in the **transformation brought about by AI**. However, along with increasing digitization, the **risk of fraud** is also on the rise, leading companies to look for more secure and efficient solutions. With applications ranging **from automated** [**identity verification**](https://www.tecalis.com/products/identity-verification) **to personalization of experiences**, AI not only accelerates these processes, but also reduces the risk of fraud and improves customer satisfaction. According to a **PwC** study, **72% of global companies see AI as a competitive advantage** in improving their processes. ## **Digital Onboarding newest challenges** Since the arrival of the pandemic, the increase in online processes has been remarkable across all industries. According to **McKinsey** data, **90% of business-to-customer interactions are conducted digitally** post-pandemic, and this trend is expected to continue to increase. This includes everything from opening bank accounts to contracting telecommunications or insurance services. However, one of the biggest problems with digital onboarding is the **abandonment rate**. Studies reveal that up to **63% of users abandon the** [**onboarding process**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) if it is too long or complicated. Therefore, companies need to find ways to make these processes as streamlined and simple as possible. ### **AI as a unified solution** This is where AI comes in, a tool capable of **automating tasks that previously relied on manual and tedious processes**. From identity verification to service personalization, AI has the potential to **reduce friction** in the onboarding process while improving accuracy and security. According to research firm **Gartner**, by 2025, organizations that implement AI in their onboarding processes will be able to **reduce onboarding time by 30%** and **increase customer retention rates by 25%**. ## **Identity Verification: Automation holding security and speed** One of the most crucial steps in digital onboarding is identity verification. This process is essential to **ensure that the person completing the process is who they say they are**. However, doing it manually can be complicated, time-consuming and error-prone. In this context, AI has enabled companies to **automate the verification of identity documents** and perform this task in a matter of seconds. According to the **Boston Consulting Group**, more than **40% of banks and financial companies** have already adopted AI solutions for identity verification, which has enabled them to **reduce processing times by 50%**. AI identity verification is performed through a combination of **computer vision algorithms** and [**biometrics**](https://www.tecalis.com/blog/face-recognition). These algorithms **scan identity documents (such as passports, ID cards or driver's licenses, among many others)** and compare them with official databases to verify their authenticity. They can also perform **facial recognition** to ensure that the person presenting the document is the same person who appears in the document's image. Tecalis, a pioneer in this field, has developed advanced technologies that enable identity verification in less than **5 seconds**. This is especially crucial in sectors where **speed is key** to customer retention, such as finance and telecommunications. ## **Fraud Prevention: AI to identify suspicious behaviors** Fraud is one of the biggest concerns in [**customer onboarding**](https://www.tecalis.com/blog/customer-onboarding-what-is) processes. In industries such as banking, digital fraud can generate multi-billion dollar losses. According to a report by **Juniper Research**, digital fraud will cost companies approximately **$343 billion** between 2023 and 2027. To mitigate this risk, companies are turning to AI as an effective solution. The use of **machine learning** and **behavioral analytics** allows companies to identify unusual or suspicious behavior patterns that could indicate an attempt at fraud. These systems analyze data in real time and are able to detect behaviors such as: * **Repeated attempts to complete the process** from different devices. * Use of high-risk **IP addresses**. * **Discrepancies in the data provided**, such as documents that do not match the official database. Companies such as **Tecalis and** [**Datatons**](https://datatons.com/) have implemented systems that, through a combination of computer vision and machine learning, are able to **detect forged documents** and suspicious behavior in real time. In addition, DataTons has collaborated with multiple companies to develop predictive models that not only identify potential fraud, but also **anticipate when a customer is at risk of abandoning the** onboarding **process**. This type of fraud prevention is essential, especially for companies in the financial sector. According to **Accenture**, companies that implement AI in their fraud prevention processes can reduce fraud by **45%** and save up to **$3 billion** annually**.** ## **Ad-hoc and customer-focused onboarding** Today, consumers expect personalized experiences in almost every aspect of their interaction with a company. According to recent reports, **70% of consumers** indicate that personalized onboarding significantly increases their likelihood of using a product or service. ### **Financial industry impact** Imagine the case of a bank using AI to analyze customer behavior during the sign-up process. If a customer shows a particular interest in savings products, AI can automatically suggest personalized savings account options or investment plans based on their financial profile. This not only improves the customer experience, but also **increases conversion rates by 30%**, according to **McKinsey** data. Companies like **Amazon** have led the way in personalization through AI, showing how recommendation algorithms not only increase sales, but also improve customer loyalty. According to a **Harvard Business Review** study, companies that personalize their services through AI can increase customer satisfaction by **25%** and loyalty by **20%**. ## **Application processing** Manually processing customer applications, especially in industries that require the **review of large volumes of documents with** [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls), can be a slow and error-prone process. AI offers a solution to **automate these tasks**, improving speed and accuracy. When **registering a company (**[**Know Your Business**](https://www.tecalis.com/blog/kyb-know-your-business)**)**, it is common for multiple documents to be requested, such as **company deeds or power of attorney**. These documents are often lengthy and complex, which can make the manual review process extremely time consuming. Using **natural language processing (NLP)** and **computer vision and** [**OCR**](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online) **algorithms**, companies can automatically scan these documents, extract the relevant information and verify their validity in a matter of seconds. This not only speeds up the process, but also reduces errors that could arise in manual review. In the case of one [**banking institution**](https://www.tecalis.com/industries/banking-financial-services-fintech) that implemented these solutions, the **document processing time to register a company was reduced from several days to less than 30 minutes**. In addition, the bank was able to detect **potential fraud** that might have gone undetected in a manual process. ## **Virtual Assistants and Chatbots: AI delivering the best UX** AI-based **chatbots** and **virtual assistants** are revolutionizing the way companies interact with their customers during the onboarding process. These assistants can answer questions, guide users through the different steps of the process and solve problems in real time, all without the intervention of a human agent. One of the biggest challenges in digital onboarding is the **friction** users experience when they don't understand a step in the process or have difficulty completing a task. A **chatbot can detect when a user is having trouble and offer instant help in the form of voiceovers and guides, reducing abandonment rates**. In [**telecommunications**](https://www.tecalis.com/industries/telecommunications) industry, a virtual assistant can detect that a user is taking too long to complete a specific field (such as an ID number) and offer assistance to guide them through the process. According to a **Zendesk** study, chatbots can increase onboarding completion rates by **20%**. One of the advantages of AI-based chatbots is that they continuously learn from interactions with users. This means that the more they are used, the more accurate they become in detecting problems and offering customized solutions. ## **AI as a key strategy in BFSI and any industry** The implementation of AI in digital onboarding has proven to be an invaluable tool for companies looking to improve efficiency, reduce costs and deliver a superior user experience. From identity verification to service personalization and fraud prevention, the applications of AI are diverse and powerful. However, the successful implementation of these technologies depends on a **well-defined strategy** and the proper use of AI tools. Companies should identify which areas of their onboarding process need further optimization and work with AI experts to develop customized solutions that fit their needs. **In short**, AI is not just a fad in digital onboarding, but a solution that is here to stay, providing companies with a crucial competitive advantage in an increasingly digitized marketplace. --- ## MiCA: Markets in Crypto-Assets Regulation in Europe **URL:** https://www.tecalis.com/blog/mica-law-regulation-european-markets-crypto-assets-stablecoins-tokens **Descripción:** Regulation of crypto-asset markets in Europe is developed around MiCA Standards and its international law. The MiCA (**Markets in Crypto-Assets**) Regulation represents a milestone in the global regulation of **cryptoasset** markets. This legal framework, designed by the **European Union**, aims to establish a harmonized **standard** for all member states, which will pass MiCA in their country and regions at a later date. Through its provisions, MiCA seeks to **promote transparency, protect consumers, ensure financial stability** and **mitigate risks** related to technological innovation in the **blockchain** arena. Since its **approval in 2023**, the MiCA regulation has generated significant impact, redefining the rules of the game for businesses, investors and consumers. Its **full implementation and effective entry into force** is scheduled for **December 30, 2024**, positioning the European Union as a leader in the design of **comprehensive regulations for the digital economy** alongside other standards such as eIDAS 2, PSD3 or DORA. ## **What is MiCA Regulation** The MiCA Regulation is a set of guidelines that establishes a single regulatory framework for **regulating cryptoassets and associated services**. It defines cryptoassets as a **digital representation of securities or rights that are stored and transferred using distributed registry technologies**, such as blockchain. MiCA **addresses both the issuance and the exchange and custody of cryptoassets**, giving European regulators the power to **oversee activities in this** emerging **sector.** Regulation MiCA thus covers a wide range of activities and players in the cryptoasset markets. Its scope includes **asset referenced tokens (ARTs)**, **electronic money tokens (EMTs)**, and other cryptoasset categories that we will look at below. ### **Key Aspects of the European Regulation on Crypto-assets Markets** 1. **Classification of cryptoassets**: * **Asset-backed tokens (ARTs)**: Cryptoassets backed by physical or financial assets, such as fiat currencies or commodities. * **Electronic Money Tokens (EMTs)**: Designed to maintain a stable value relative to a fiat currency. * **Other cryptoassets**: include traditional cryptocurrencies such as Bitcoin and Ethereum, which have no specific backing. 3. **Issuance and transparency requirements**: * Issuers must publish a white paper detailing the objectives, risks and characteristics of the cryptoassets issued. * Issuing companies are subject to strict solvency, governance and consumer protection measures. 5. **Supervision and compliance**: * National authorities, such as the CNMV in Spain, will supervise the implementation of MiCA and a national MiCA Law will be passed. * Regulatory Technical Standards (RTS) and Implementation Technical Standards (ITS) specify how the standards are to be met. 7. **Exclusions from the regulatory framework**: * **Non-fungible tokens (NFTs)** and **security tokens** are outside the scope of MiCA and are regulated under other regulations, such as MiFID II. In terms of benefits and substantial changes in the digital economy and cryptoassets, the MiCA regulation brings the following: * **Consumer protection**: Solvency requirements, redemption schemes and transparency for token issuers and service providers are established. Guidelines are also established for [**digitally identifying**](https://www.tecalis.com/blog/what-is-electronic-identification-digital-banking-fintech-systems-applications-companies-kyc-onboarding-certificates) owners, making cryptoasset holdings more secure and official. * **Specific standards**: Technical guides such as **RTS (Regulatory Technical Standards)** and **ITS (Implementing Technical Standards)** detail the application of these provisions to improve the management of all types of cryptoassets. * **Prudential requirements**: Issuers must be legal entities with adequate governance 13 ## **Companies and businesses affected by MiCA Standards** The impact of MiCA spans multiple sectors, **from blockchain startups to traditional financial institutions and the** [**banking sector**](https://www.tecalis.com/industries/banking-financial-services-fintech). The regulation also establishes **specific requirements for Cryptoasset Service Providers (CASPs)**, such as [**crypto exchanges**](https://www.tecalis.com/blog/cryptocurrencies-kyc-crypto-exchanges-cryptos-aml), custodians and advisors. ### **Obligations for CASPs** 1. **Solvency and equity**: CASPs must maintain a minimum level of own funds to ensure financial stability and consumer protection. 2. **Security and governance**: A clear organizational structure is required, with cybersecurity measures and contingency plans for possible attacks. 3. **Operational transparency**: Users should receive complete information on conditions of use, fees and associated risks. In addition to CASPs, MiCA regulation impacts other related industries, such as: * **Banking and fintechs**: Integration of cryptoassets in payment solutions and traditional financial systems. * **RegTech providers**: Creation of tools to automate compliance processes in the industry. * **Legal consulting and audits**: Expansion of services to advise on regulatory adaptation. ### **Further EU regulations in relation to MiCA** The MiCA Regulation interacts with several related European laws, such as: * **DORA (Digital Operational Resilience Act)**: Regulates the cyber resilience of financial services. * **AML (Anti-Money Laundering)** and [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer): Strengthen the prevention of money laundering and terrorist financing. * [**eIDAS 2**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet) : Relating to digital identity and electronic signature. * **MiFID II**: Applicable to financial products derived from cryptoassets. ## **About MiCA: Dates, national laws and application** The MiCA Regulation (Markets in Crypto-Assets Directive) was approved in 2023 and its implementation is scheduled in two main phases: 1. **June 30, 2024**: Initial application for issuers of asset-linked tokens and e-money tokens. 2. **December 30, 2024**: Entry into force for all other regulated activities, including exchange platforms and custody services. In Spain, the authorization process will be managed by the **CNMV** and the **Bank of Spain**, which will ensure compliance with the requirements established in Regulation (EU) 2023/1114 on cryptoasset markets (MiCA). Companies wishing to offer services related to cryptoassets must **apply for authorization before the corresponding regulatory authority**, such as the **CNMV** in Spain. This process includes the submission of a detailed business plan, internal control measures, [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) **in client onboarding** and risk management strategies. ## **Cryptoasset market and classifications** The **global cryptoasset market has experienced unprecedented growth**, reaching a **market capitalization in excess of $2 trillion at its peak in 2021**. This dynamism has led the European Union to establish specific categories. Thus, the cryptoasset ecosystem is broad and diverse, and MiCA establishes a detailed classification that includes: 1. **Stablecoins**: Tokens that maintain parity with a fiat currency or underlying asset. 2. **Cryptocurrencies**: Assets such as Bitcoin, which operate without a specific physical or financial backing. 3. **Utility tokens**: Used to access services or products within a platform. 4. **Tokens not regulated by MiCA**: NFTs and security tokens, regulated under specific frameworks. 5. **Tokens with no inherent value**: Used in decentralized exchange platforms or specific protocols. ### **What services and products does MiCA regulate?** MiCA covers a wide range of cryptoasset-related activities, including: * **Exchange**: Operations on centralized and decentralized platforms. * **Custody**: Secure storage services for digital assets. * **Issuance and commercialization**: Creation and offering of new cryptoassets to the public. * **Traceability**: The implementation of the "travel rule" obliges platforms to record and report transactions above €1,000 (with techniques such as [**time stamping**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) and smart contracts). ## **How to adapt to MiCA** Adapting to the MiCA Regulation requires companies to review and update their operating practices to comply with the new regulatory requirements. This includes: 1. **Compliance audits**: * Conduct an internal assessment (or [**request a free call**](https://www.tecalis.com/request-demo) **from a RegTech partner**) to identify gaps in existing processes. * Implement systems to ensure traceability and compliance with technical standards. 3. **Automation and RegTech**: * RegTech solutions can facilitate customization by enabling automation of processes such as **KYC, KYB, AML and transaction monitoring**. 5. **Training and education**: * Companies should train their employees on MiCA requirements and establish **dedicated compliance departments or teams** (or outsource it to a RegTech partner that automates these tasks at low cost). With this MiCA regulation, the European Union marks a before and after in the control and supervision of cryptoasset markets, setting a global standard for other emerging markets. --- ## 5 business areas where AI has had the biggest impact **URL:** https://www.tecalis.com/blog/ai-artificial-intelligence-impact-areas-business-companies-integrate-how-to **Descripción:** Impact of artificial intelligence in companies has occurred in all industries, highlighting in 5 business areas where it is a must nowadays. **Artificial intelligence (AI)** is no longer a technological promise but a catalyst that has **already profoundly transformed business operations across industries**. From **fraud prevention to the automation of** complex **tasks**, this technology offers not only opportunities, but also challenges that require immediate attention. In this article, we will explore the five key areas where AI is having a significant impact, as well as the strategies and **solutions available** to maximize its potential to help your business in enterprise, customer or sales across **several key industries**. ## **Fraud Prevention: New Threats and Tools** Fraud has evolved considerably in recent years, especially driven by digital technologies and the rise of e-commerce. Today, **cybercriminals employ AI to develop more sophisticated attacks**, such as **deepfakes**, advanced **bots** and automated **phishing**. * **AI-driven fraud**: Methods such as "**identity synthesis fraud**," where fake identities are created by combining real and fictitious data, are complicating traditional detection. Another example is the use of **bots that mimic human behavior patterns** to access vulnerable systems. * **AI-proof solutions**: To meet these challenges, tools such as [**biometric identity verification**](https://www.tecalis.com/products/identity-verification) and machine learning algorithms are essential. These solutions make it possible to detect anomalous patterns in real time, anticipating threats before they materialize. In addition, implementing AI-based [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) solutions provides enterprises with a **proactive and predictive approach to dynamic threats**, **minimizing false positives** and optimizing accuracy in detecting suspicious activity without compromising the agile user experience in processes such as [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding). ## **Regulatory Compliance: Adapting to an Evolving Framework** Regulation around artificial intelligence is a constantly evolving field, especially in **highly regulated sectors such as finance, healthcare and technology**. Legislation, such as the **General Data Protection Regulation (**[**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business)**) and the European Union's** **_AI Act_**, underlines the need to ensure transparency, security and ethics in the use of AI. * **Compliance automation**: AI-powered tools enable [**ongoing monitoring of transactions**](https://www.tecalis.com/products/anti-fraud-controls), ensuring compliance and significantly reducing associated operational costs. * **eIDAS 2 and PSD3**: New regulations in Europe demand higher standards in authentication and data management. Solutions such as advanced electronic signatures and the use of interoperable [**digital wallets**](https://www.tecalis.com/blog/ewallet-e-wallet-digital-virtual-electronic-wallets-what-is) are enabling companies to comply with these requirements in an agile manner. Integrating AI into compliance strategies not only ensures the avoidance of penalties, but also allows you to transform compliance into a competitive advantage. ## **Customer Experience and Digital Contracting: The New Standard** Customer experience is at the core of any business strategy, and AI is revolutionizing **the way companies interact with their users**. The digitization of onboarding and **recruitment processes** has reduced time, improved security and increased **conversion rates**. * **Streamlined processes**: AI facilitates identity verification through biometrics and bank scraping, eliminating common frictions in manual processes and speeding up the onboarding flow. * **B2B and B2C with shared AI**: Although processes differ between enterprise and consumer environments, AI enables modular solutions that adapt to both cases, maximizing operational efficiency in processes such as [**Know Your Business (Business Verification)**](https://tecalis.com/product/kyb-business-verification-ia-screening). Companies that adopt integrated platforms for onboarding report a 47% increase in conversions and a drastic reduction in costs associated with the process. ## **Commercial Strategies: Adaptation in a Hypersegmented Market** In an increasingly complex market, hyper-segmentation and personalization are key to staying competitive. AI offers tools to better understand consumers and **optimize each point of sale, branch or sales office**. * **Omni-channel management**: Platforms such as [**Tecalis Customer Hub**](https://www.tecalis.com/products/customer-hub-sales) centralize data from multiple channels, from physical stores to marketplaces, enabling consistent and personalized experiences. In addition, this platform provides sales tools for sales reps such as pricing or customer and promotions managers. * **Predictive analytics**: Advanced algorithms identify patterns in real time, helping commercial networks to adjust their strategies and maximize ROI. The future of retail depends on the ability to integrate physical and digital experiences. Technologies such as AI-enabled interactive kiosks are leading this transformation, offering autonomous and personalized services. Another point of innovation is in physical digital experiences with AI such as **self-service interactive kiosks**. ## **Data Analytics and Automation: Driving Efficiency** Data management and automation are essential for modern operations. Tools such as **Computer Vision** (**OCR 2nd Gen**) and Robotic Process Automation (RPA) are making a difference. * **Document processing**: AI-based solutions scan, interpret and validate legal and financial documents with greater accuracy and speed than traditional methods. * **Combined RPA and AI**: The union of these technologies enables the management of repetitive and unstructured tasks, from data entry to the generation of complex reports. Companies that integrate these systems experience seamless connectivity between platforms, optimizing resources and aligning operational processes in real time. ## **AI as a Strategic Pillar for the Future** Artificial intelligence is not only transforming industries, it is also **redefining what it means to be competitive in the 21st century**. Companies that take a strategic approach to AI, **implementing advanced solutions and complying with demanding regulations in an automated way in any market**, will not only survive, but lead in their industries. Investing in technologies that combine fraud prevention, compliance, customer optimization and automation will ensure not only relevance, but also success in an increasingly digitized global marketplace. --- ## Risk mitigation systems for banking and financial services **URL:** https://www.tecalis.com/blog/banking-financial-services-systems-risk-reduction-aml-kyc-onboarding-scraping **Descripción:** Financial services and banking industry can now use advanced RegTech systems to reduce risk automatically and more cheaply. The financial sector is facing an era of accelerating change. From the implementation of **stringent regulations** to the integration of emerging technologies, banking institutions are undergoing an unprecedented transformation. This article explores the key areas that are shaping **the future of banking**, focusing on **risk management, digitization and customer satisfaction**. With **AML** (Anti-Money Laundering) controls, bank **scraping** systems and **onboarding** process automation models, banking institutions face the need to adapt to new customer expectations and **processes with more optimized operational costs**. ## **AML and KYC Controls Challenges** [**Anti-money laundering (AML)**](https://www.tecalis.com/blog/aml-anti-money-laundering) and **know-your-customer (KYC)** are fundamental pillars in the security of the global financial system. In 2023**, fines for deficiencies in these controls increased by 57%, reaching US$6.6 billion**. This figure highlights the need for **more effective and technologically advanced solutions** to ensure regulatory compliance and reduce risks. [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification) controls and e-signatures are a must, with state-of-the-art applications to deal with attacks based on deepfakes or using AI to circumvent more vulnerable systems. ### **Why you should integrate RegTech controls?** * **Legal and financial risk mitigation**: Financial institutions should identify suspicious customers and avoid illicit transactions. * **Adaptation to international regulations**: Laws such as the Bank Secrecy Act (BSA) in the United States require detailed monitoring of transactions. * **Reduced fines**: Regulatory costs can be mitigated with technologies that automate compliance. ### **Technology solutions for AML and KYC checks** The integration of artificial intelligence (AI) into RegTech anti-fraud systems allows for more accurate and faster verification of customers: * **Predictive analysis**: Identifies suspicious behavior patterns. * **Process automation**: Reduces manual workload and speeds up response times. * **Use of biometrics**: Technologies such as facial recognition, [**voice biometrics**](https://www.tecalis.com/blog/voice-biometrics-verification-digital-what-is-active-passive-types) and proof of life ensure customer authenticity. By 2025, more institutions are expected to adopt digital tools to improve operational efficiency and comply with global regulations. ## **Digital onboarding: Key to a secure customer experience** The digital onboarding process is a **critical point in the customer-bank relationship**. The customer experience must be **seamless and secure**, but also comply with strict fraud and regulatory controls. For example, **tools that analyze IP addresses, devices and online behavior** offer an additional layer of security, detecting possible fraud attempts before they occur. ### **Tools to optimize onboarding** 1. **Advanced biometrics**: * Facial and fingerprint recognition. * Proof of life to verify that the client is present. 3. **User behavior analysis**: * Evaluation of navigation and location patterns. * Identification of suspicious IP addresses. 5. **External data integration**: * Connection with tax and social security records. * Queries to global databases such as lists of politically exposed persons (PEP). Effective onboarding not only complies with regulations, but also improves customer satisfaction by reducing unnecessary friction. ## **Bank scraping and data analysis: competitive advantage** **Bank scraping** allows institutions to access **detailed customer financial data**, providing more accurate credit risk assessments to create a tailored [**credit score**](https://www.tecalis.com/blog/credit-score-banking-scoring-check-bank-what-is-loan-types-improve) and offer more personalized services. Bank scraping has become a key tool for assessing credit risk thanks to tools such as **AI-based second-generation OCR and Computer Vision**. By enabling secure access to customer financial data, institutions can perform **in-depth analyses of income, spending and financial behaviors, facilitating more informed credit decisions**. This approach also contributes to **market hyper-segmentation**, tailoring financial products to customers' specific needs. ### **Benefits of bank scraping** * **Hypersegmentation**: Customized offers based on income and spending patterns. Identification of customers with high retention potential. * **Automation of evaluations**: Rapid analysis of transactions and financial behavior. Reduction of time in credit decision making. * **Fraud prevention**: Detection of unusual transactions and possible illicit activities. ### **Use cases** 1. **Microloan evaluation**: Income and expense analysis to determine creditworthiness. 2. **Debt management**: Identification of default patterns. 3. **Credit ratings**: Real-time data integration to improve scoring models. ## **AI revolution in BFSI** Artificial intelligence is redefining the way institutions manage operations, risks and customer relationships. AI is transforming the [**financial sector**](https://www.tecalis.com/industries/banking-financial-services-fintech) by optimizing processes such as **risk analysis, product customization and fraud detection**. By 2025, investments in artificial intelligence in the sector are expected to reach record numbers, driving automation and improving the accuracy of decision making. ### **AI applications in banking** * **Predictive analytics**: Anticipation of risks based on historical patterns. * **Virtual assistants**: Improving customer service with chatbots, voice guides for KYC processes and automated tools. * **Fraud detection**: Rapid identification of suspicious activities. ## **Automated regulatory compliance: A must-have** Increasing regulatory complexity requires institutions to adopt proactive compliance strategies. Regulations such as [**PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance) **in Europe and the Bank Secrecy Act in the United States** demand robust processes to verify **customer identity and monitor transactions** in real time. Technology solutions enable compliance with these regulations while improving operational efficiency. ### **Main regulatory challenges and technologies to meet** 1. **Alignment with international standards - Automation of audits**: Reduction of time and costs associated with manual inspections. 2. **Alignment with international regulations - Real-time monitoring tools**: Instant identification of suspicious transactions. 3. **Adaptation to new laws and guidelines - Centralized platforms**: Data integration for a global view of risks. ## **Open Banking: transforming the ecosystem** Open Banking promotes **transparency and user control over their financial data, encouraging innovation and competition**. This approach enables the **secure sharing of** financial **information through APIs**, **connecting banks with external applications and services**. ### **Benefits of Open Banking** * **Customer empowerment**: Users control how and with whom they share their data. * **Accelerated innovation**: Fintech startups can develop more agile solutions. * **Increased competition**: Traditional banks face pressure to improve their services. Cybersecurity remains a critical priority for financial institutions. Increasingly sophisticated cyber threats require significant investments in infrastructure and advanced detection tools. By 2024, global spending on cybersecurity is expected to reach $215 billion, highlighting the importance of protecting both customers and institutions. Challenges and opportunities: * **Cybersecurity**: Ensuring data protection in a more open environment. * **Regulation**: Establish clear standards for interoperability. * **Consumer education**: Increasing confidence in new service models. --- ## Mobility: digital solutions for regulatory compliance **URL:** https://www.tecalis.com/blog/mobility-transport-new-digital-solutions-regulatory-compliance-optimization-carsharing-rental **Descripción:** The mobility, transportation and sharing services industry has changed thanks to these solutions. The mobility and transportation industry is undergoing an unprecedented transformation. From **micro-mobility** to **car sharing models**, to advances in **identity verification and emerging regulations**, the challenges and opportunities in this sector are immense.  Adapting to these new demands requires not only innovative technologies, but also **solutions that balance security, regulatory compliance and an optimal user experience**. Let's see what benefits these translate into and what those solutions are. ## **Mobility and transportation industry news** One of the biggest changes impacting the industry are new regulations, such as the introduction of **digital identities** in Europe under the [**eIDAS 2**](https://www.tecalis.com/blog/euid-digital-identity-regulation-european-union-eidas-2-identification-companies-commercial-registry-wallet-code-eudi) framework and the **guidelines of regulators such as the Spanish Data Protection Agency** in countries like Spain. These digital identities promise to **transform the way companies and users interact**, improving **security** and facilitating the verification of personal and professional information, **reducing costs in these processes**. In addition, the rise of new business models, such **as** [**carsharing**](https://www.tecalis.com/blog/what-is-car-sharing-platforms-apps-webs-companies-cars-clubs-bike-motoshating-rental-carshare)**, carpooling and flexible renting**, has generated a demand for **tools** that allow companies to **efficiently manage interactions with customers, users and drivers**. These tools must address everything from identity verification to the electronic signature of contracts, all while maintaining high security standards and complying with regulations such as the [**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business). ## **Key technologies for digital transformation in industry** We have seen **recent developments** in the [**transportation and mobility ecosystem**](https://www.tecalis.com/blog/mobility-what-is-transport-transportation-urban-city-renting-cars). These are driven both by the emergence of new technologies that support the work of disruptive startups that have transformed the industry with new types of transportation and mobility services, as well as by the need for traditional car rental and purchase companies to innovate and save on costs. On the other hand, the rise of identity fraud throughout the economy, has forced regulators to be more comprehensive in their requirements to force companies in the industry to put in place technologies such as the following: ### **Identity Verification (KYC) and doc validation** **Identity verification** is a fundamental pillar of modern mobility. Solutions such as those offered by specialized companies allow [**KYC processes**](https://www.tecalis.com/es/industrias/movilidad-transporte-viajes-carsharing) to be carried out **automatically in mobility**, verifying official documents such as **ID cards, NIEs or driving licenses in seconds**. In addition, they integrate advanced technologies such as: * **Background document reconstruction:** eliminates the need to take manual photographs, reducing errors and improving the user experience. * **Active and passive proofs of life:** ensure that the user is who he/she claims to be through gestures or biometric verifications. These solutions not only improve **safety and enable companies in the** [**mobility and transportation**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing) **industry to comply with the most stringent regulations in all countries**, but also reduce operating costs by automating traditionally manual processes. ### **Electronic Signature and contracting** The **electronic signature (or digital signature)** has become an indispensable tool for transportation companies seeking to digitize their operations. This type of technology allows: * **Sign contracts** remotely, instantly and securely. * Guarantee the **legal validity** of documents and new user registrations. * Integrate advanced features such as **automatic generation of customized contracts**. According to recent studies, companies that implement electronic signature solutions experience **time savings of up to 80% in document management**. ### **Process Automation** Automation not only speeds up the **onboarding of new customers and drivers**, but also minimizes fraud risks. Tools such as checks with the Tax Agency or mobile device checks allow identifying suspicious patterns in real time, ensuring safer and more efficient operations. ## **Case Studies: Transforming Mobility with Technology** ### **Case 1: Public Transportation in Asturias** An [**innovative solution**](https://www.tecalis.com/case-studies/asturias-mobility-transport-consortium-kyc-onboarding-conecta-first-spanish-regional-government-kyc) **implemented in the Asturias public transport network (ConeCTA)** allows new users to manage their transport passes digitally. Thanks to a remote identity verification system, they can receive their passes directly at home, eliminating the need to travel to physical offices. ### **Case 2: Beep & Drive** In the case of a well-known electronic toll platform operating in several countries, the [**integration of KYC**](https://www.tecalis.com/case-studies/bip-drive-drivers-verification-kyc-document-validation) **and document verification tools** has **reduced fraud rates by 35%**. In addition, the automation of these processes has significantly reduced registration times for new users, improving customer satisfaction. ### **Case 3: Renfe and Electronic Signature** Renfe, Spain's leading railway operator, has adopted [**electronic signature solutions**](https://www.tecalis.com/case-studies/renfe-global) **for international contract management**. This has not only accelerated approval processes, but also reduced the carbon footprint by eliminating the need for travel to sign agreements. ## **Challenges and Opportunities** As the industry evolves, companies must face challenges such as: * **Regulatory compliance:** the adoption of regulations such as eIDAS 2 requires continuous updating of processes and technologies. * **User experience:** finding the balance between security and ease of use remains a key challenge. * **Security and fraud**: avoiding regulatory sanctions and saving costs at the same time is possible. However, these challenges **also present** [**opportunities for the mobility and transportation industry**](https://www.tecalis.com/use-cases/mobility-transportation-sharing-challenges-solutions-kyc-news) to differentiate itself in a competitive marketplace. Companies that invest in agile, customized solutions will be better positioned to meet growing consumer demands. ## **Resume** The **digitization of mobility and transportation** is not just a trend, but a necessity to stay relevant in a changing environment. Technologies such as identity verification, e-signatures and process automation **not only drive operational efficiency, but also ensure regulatory compliance and improve the user experience, avoiding abandonment rates at key moments**. In a market where **security, speed and personalization are priorities**, companies that adopt these solutions will lead the way to a more connected and sustainable future. Investing in **technology is not a luxury, but an essential and increasingly accessible strategy thanks to RegTech solutions** to meet today's challenges and seize tomorrow's opportunities. --- ## Real estate sector: News and current events in proptech **URL:** https://www.tecalis.com/blog/news-real-estate-sector-current-market-report-industry-new-what-is **Descripción:** The most relevant real estate news focuses on current proptech trends. The real estate industry is undergoing an **unprecedented transformation**. Driven by **technological** innovation, **regulatory changes** and new **consumer demands**, this sector is in the global spotlight. In this article, we explore the latest real estate news, **trends and** key **figures** that shape the present and immediate future of real estate and proptech, key terms to **understand the recent and future evolution of the industry**. ## **Real estate: what is RE ecosystem and proptech impact** The real estate sector is the set of all activities related to the **development, purchase, sale, lease, management and financing of properties, whether residential, commercial or industrial**. It is one of the most essential industries for the economic growth of a country, as it not only drives job creation, but also represents a significant investment for both individuals and companies.  This **real estate sector** is marked by its **diversity**, ranging from the construction of homes and buildings to the marketing of land and properties. In addition, its **dynamics are strongly influenced by economic, technological, regulatory and social factors**, which makes it a thermometer of economic development and a key tool for the well-being of communities. [**Real Estate**](https://www.tecalis.com/industries/real-estate-proptech) refers to all real estate, including land, residential, commercial and industrial buildings. On the other hand, [**PropTech**](https://www.tecalis.com/blog/proptech-property-technology-which-is-real-estate-management-retech-sector-industry) (Property Technology) encompasses **technological innovations applied to the real estate sector and new types of business**. These technologies seek to optimize and digitize traditional processes, improving **efficiency and user experience** in activities such as buying and selling, renting, property management and financing. Proptech **ranges from digital platforms for property search to advanced solutions that incorporate artificial intelligence and data analysis**. This ecosystem includes tools such as digital management platforms, artificial intelligence (AI), big data analytics, blockchain and RegTech solutions, which are designed to **address challenges such as bureaucracy, lack of transparency and manual processes**. Proptech is not only improving existing processes, but is also driving the creation of new business models, such as real estate marketplaces, investment crowdfunding and coworking spaces. ## **What’s new in real estate industry?** The real estate sector is constantly evolving, influenced by economic, technological and social factors. The following highlights the main news in the real estate sector that are marking the current [**real estate**](https://www.tecalis.com/blog/real-state-use-cases-digital-tools-proptech) and proptech news. ### **Main trends, news and current events in real estate sector** 1. **Digitalization and technology**: The adoption of digital technologies has revolutionized the way real estate transactions are conducted. Tools such as electronic signatures, virtual tours and online management platforms have become industry standards. 2. **Sustainability**: Demand for green and sustainable buildings has increased, driven by more environmentally conscious consumers and government regulations promoting energy efficiency. 3. **Flexible spaces**: The rise of teleworking has increased the demand for flexible office spaces and coworking solutions, adapting to the changing needs of companies and workers. 4. **Demographic changes**: The preferences of new generations are redefining the real estate market, with a greater inclination towards rentals, smaller homes and urban locations. 5. **Smart properties**: Connected buildings, equipped with home automation and IoT systems, are redefining the experience of living and working. These properties enable efficient control of energy consumption, improve security and offer greater convenience. 6. **Artificial intelligence and IoT**: The integration of artificial intelligence and the Internet of Things (IoT) is improving operational efficiency and user experience. From smart buildings that optimize energy consumption to chatbots that answer customer questions, these technologies are redefining the industry. ## **5 key real estate news** Below are five notable real estate news stories that reflect current and future trends. ### **1\. PropTech: new types of real estate services and products** **PropTech** has given rise to a **dynamic ecosystem** of startups and innovative solutions that are transforming the real estate industry. From platforms that facilitate real estate **investing** to tools that improve property **management**, proptech is redefining the industry. For example, startups are using **predictive analytics to identify** investment **opportunities**, while others are offering [**e-signature**](https://www.tecalis.com/products/electronic-signature) **automation** solutions **for rental management**. Proptech startups are challenging traditional models with applications that **facilitate access to information, simplify operations and generate new ways to interact** with the real estate market. Proptech is no longer an emerging trend but an essential driver of change.  Notable examples include augmented reality applications to visualize spaces before they are built, and platforms that connect landlords with tenants in real time, eliminating middlemen. * **Digital marketplaces**: Platforms such as Zillow and Idealista have changed the way people search for properties, offering detailed information and comparison tools. * **Collaborative financing**: Real estate crowdfunding is facilitating access to investment projects for small investors, democratizing opportunities that were previously exclusive. * **Augmented and virtual reality**: Buyers can conduct virtual tours of properties from anywhere in the world, saving time and enhancing the customer experience. ### **New regulations in the industry** The real estate industry is facing an **increasingly complex regulatory environment**, with new laws affecting everything from construction to property management. [**RegTech (Regulatory Technology)**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) has emerged as a **solution to help companies comply with these regulations efficiently**. These technologies automate compliance processes, reducing risks and ensuring adherence to current regulations. Data collection, identity verification and regulatory compliance are automated in dozens of common processes. For example, systems that integrate blockchain technology ensure secure and transparent transactions, reducing the risk of fraud and simplifying auditing by allowing: * **Prevent money laundering** in real estate transactions through more rigorous identity checks. * **Manage personal data** securely in compliance with regulations such as GDPR. * **Automate financial reporting** and audits to save time and reduce human error. ### **3\. Electronic signature and certified communication in the real estate sector** The electronic signature has established itself as an **essential tool in the real estate sector**, allowing the formalization of contracts quickly and securely. In addition, [**certified communication**](https://www.tecalis.com/products/certified-communication) **guarantees the legal validity of digital interactions between the parties involved in a transaction**. These technologies not only streamline processes, but also offer greater transparency and reduce the need for physical documentation. The adoption of electronic signatures has **simplified processes such as the purchase and sale of properties, rental contracts and the management of legal documents**. In addition, certified communication ensures that the parties involved can validate the exchange of information in a secure and legally valid manner. This technology not only saves time and costs, but also contributes to greater sustainability by reducing the use of paper. ### **4\. Artificial Intelligence-based solutions for Real Estate** Artificial intelligence (AI) is playing a crucial role in the transformation of the real estate industry. AI-based solutions make it possible to **analyze large volumes of data** to predict market trends, value properties more accurately and personalize the customer experience. For example, predictive analytics tools can identify which properties are most likely to sell, optimizing marketing and sales strategies. * **Property valuation**: Algorithms that analyze historical and market data to calculate accurate prices. * **Predictive analysis**: Identification of market trends and properties with high profitability potential. * **Customer service**: Chatbots that answer buyer or tenant queries in real time, improving the user experience. * **Document analysis with OCR/KYB 2nd Gen**: [**Artificial intelligence**](https://www.tecalis.com/blog/ai-artificial-intelligence-impact-areas-business-companies-integrate-how-to) solutions enable scraping and screening of real estate documents. ### **5\. New experience for buyers, sellers, investors and industry professionals** Digitalization has significantly improved the experience of all players in the real estate sector. Buyers and sellers can now access detailed information and transact more transparently. Investors have platforms that make it easier to diversify their portfolios, and **industry employees have tools that optimize their productivity and efficiency**. This transformation has led to a more customer-centric industry with **cheaper automated processes such as onboarding on KYB platforms and marketplaces**, adapting to the needs and expectations of an increasingly digital society. Digital platforms have democratized access to information, allowing buyers and investors to make more informed decisions. Technology has changed the way **people interact with the real estate market**. ## **Reports, figures and statistics on real estate sector to watch** The real estate market has shown significant variations in recent years. Recent real estate statistics and news provide a clear picture of the performance of the real estate industry: * In **Europe**, the residential real estate market **grew by 7% in 2024**, led by demand for sustainable housing. * In Spain, the average price of housing increased by 8.4%, with Madrid and the Balearic Islands being the regions with the largest increases. * **Investment in proptech exceeded 25 billion euros globally**, with projects focused on sustainability and artificial intelligence standing out. The real estate sector's current figures reflect both its potential and the challenges it faces: * **Global market**: According to a report by Deloitte, the value of the global real estate market reached $10 trillion in 2024. * **Residential demand**: In countries such as Spain, demand for housing has grown by 8%, driven by interest in rural areas and properties with outdoor spaces. ## **Conclusions on current events and real estate news** The real estate industry is at an **inflection point**, driven by technology, new regulations and changing consumer demands. Proptech solutions are playing a crucial role in this transformation, offering innovations that improve the efficiency, transparency and sustainability of the industry. The key to **staying competitive** in this dynamic environment will be the ability to adapt quickly to change, taking advantage of the opportunities offered by new RegTech technologies and market trends. Companies must embrace these technologies, **adapt to new regulations and understand the changing needs of consumers and employees**. This is the time to innovate and lead in an industry that, although traditional, is moving towards a more dynamic, sustainable and technological future. --- ## Crypto fraud: types, how to avoid using KYC and MiCA impact **URL:** https://www.tecalis.com/blog/fraud-crypto-currency-cryptos-types-kyc-mica-aml-markets **Descripción:** Crypto fraud reaches all processes in the crypto sector. KYC, MiCA regulation and RegTech provide a solution. The rise of cryptocurrencies has revolutionized the global financial landscape, offering **unprecedented opportunities for investors and businesses**. However, this exponential growth has also attracted **malicious actors seeking to exploit vulnerabilities in the crypto ecosystem**.  **Cryptocurrency fraud** has become a significant concern, affecting both individuals and institutions. In this article, we will explore the various types of fraud in the crypto sector, the crucial role of KYC (Know Your Customer) procedures to mitigate them and the impact of the MiCA Regulation in preventing fraudulent activities in the cryptoasset market. ## **Crypto industry fraud** The cryptocurrency sector, characterized by its **decentralized nature** and initial lack of strict regulations, **has been fertile ground for various forms of fraud**. The lack of traditional intermediaries and the pseudonymity of transactions have allowed fraudsters to operate with relative ease, taking advantage of unsuspecting investors and the technical complexity inherent in the crypto ecosystem. According to data from the U.S. Federal Trade Commission (FTC), **cryptocurrency payments are generally irreversible**, meaning that once a transaction is made, it is difficult to recover the funds without the cooperation of the recipient. In addition, the **rapid evolution of the market and the constant emergence of new projects** and tokens have created an environment where **scams can proliferate before regulatory authorities can** effectively **intervene**, although this is changing thanks to new regulations such as the **MiCA Regulation** and [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) solutions for the crypto industry. ## **Types of cryptocurrency fraud** Cryptocurrency fraud manifests itself in **various forms**, each with **specific characteristics and methods**. Some of the most common types are detailed below: * **Investment scams**: These scams involve the promotion of fraudulent investment opportunities that promise high returns with little or no risk. Scammers often use aggressive marketing tactics to lure unwary investors. * **Phishing**: Phishing involves tricking victims into revealing sensitive information, such as private keys or access credentials, through fake websites or emails that mimic legitimate entities. * **Ransomware**: Ransomware is a type of malware that encrypts the victim's files and demands a cryptocurrency payment to restore access. This method has gained notoriety due to the difficulty of tracking cryptocurrency payments. * [**Identity Theft**](https://www.tecalis.com/blog/identity-theft-digital-online-internet-how-to-security-systems-business): Fraudsters can use stolen or fake identities to create accounts on cryptocurrency exchanges, facilitating illicit activities such as money laundering. * **Pump and Dump**: In this scheme, fraudsters artificially inflate the price of a low-cap cryptocurrency through misleading or false information, then sell their holdings at a high price, leaving new investors with significant losses. * **Cryptojacking**: Cryptojacking involves the unauthorized use of a person's hardware to mine cryptocurrencies. This is accomplished by installing malware that uses the victim's system resources without their knowledge. * **Bitcoin ATM fraud**: Some fraudsters manipulate Bitcoin ATMs to divert funds or install devices that capture sensitive user information. With the implementation of MiCA, a unification of KYC/AML procedures on these devices is expected to prevent such frauds. ## **The role of crypto-exchanges and trading platforms in preventing fraud** [**Cryptocurrency exchanges**](https://www.tecalis.com/blog/cryptocurrencies-kyc-crypto-exchanges-cryptos-aml) play a critical role in preventing fraud within the crypto ecosystem. As the main entry and exit points for investors, they have a **responsibility to implement robust security measures and verification procedures to protect their users and themselves** to maintain market integrity. ### **Implementation of KYC and AML procedures** The adoption of [**KYC (Know Your Customer)**](https://www.tecalis.com/products/identity-verification) **and AML (Anti-Money Laundering) procedures** is essential to identify and verify the identity of users, preventing illicit activities such as money laundering and terrorist financing. These procedures require users to provide personal information and identification documents, which helps create a more secure and transparent environment. ### **Monitoring of suspicious transactions** Exchanges should implement **advanced monitoring systems and** [**anti-fraud controls**](https://www.tecalis.com/products/anti-fraud-controls) to detect unusual or suspicious transaction patterns that may indicate suspicious activity. The use of technologies such as artificial intelligence and machine learning can improve the ability to quickly identify and respond to potential threats. ### **Collaboration with regulatory authorities** Cooperation with government agencies and **regulators** is crucial to ensure compliance with existing regulations and contribute to the creation of a **sound legal framework** that protects investors and promotes confidence in the market. ## **Tools to avoid crypto fraud: KYC, AML, RegTech and more.** The fight against fraud in the cryptocurrency sector **depends on the implementation of RegTech tools and advanced technologies**. These tools not only help identify and mitigate fraudulent activities, but also strengthen investor confidence and ensure regulatory compliance. The following is a description of the main solutions used in the crypto ecosystem: ### **Know Your Customer (KYC) and KYB ID Verification** The KYC procedure is a fundamental measure to prevent fraud. It consists of **verifying the identity of users through the collection of personal data and official documents as well as verifying that you are who you say you are behind the screen**,. Some key benefits of KYC include: * **Fraud reduction**: Identifies users before allowing financial transactions. * **Transparency**: Facilitates traceability of transactions on exchange platforms. **Regulatory compliance**: Helps companies comply with anti-money laundering laws ### **Anti-Money Laundering (AML)** [**AML**](https://www.tecalis.com/blog/aml-anti-money-laundering) refers to a set of policies, laws and regulations designed to detect and prevent money laundering and other illicit activities. It includes: * **Continuous monitoring of transactions**: Identification of suspicious patterns. * **Unusual activity reports**: Reports to authorities on atypical behavior. * **Staff training**: Training of employees to recognize possible signs of money laundering. ### **RegTech Technologies** Regulatory technology (RegTech) is a key innovation in regulatory compliance. It uses artificial intelligence, machine learning and data analytics to automate and optimize compliance processes. Examples of RegTech tools include: * **Predictive analytics**: Identifies potential risks before they become problems. * **Automation of digital onboarding and new user registration**: Reduces time and costs associated with manual verification. * **Audit platforms**: Facilitate regulatory inspections and ensure transparency. ### **Multifactor authentication (MFA)** Multifactor [**authentication**](https://www.tecalis.com/products/authentication) based on **SCA and eIDAS standards** adds an additional layer of security by requiring multiple identity verifications. This makes it difficult for attackers to access user accounts or funds, even if they obtain your credentials. ## **MiCA Regulation: Obligations to prevent crypto market fraud** The [**MiCA (Markets in Crypto Assets) Regulation**](https://www.tecalis.com/blog/mica-law-regulation-european-markets-crypto-assets-stablecoins-tokens) represents a comprehensive regulatory framework that seeks to regulate the cryptoassets market in the European Union. This regulation specifically addresses fraud threats and establishes clear obligations for crypto ecosystem players. ### **MiCA's main objectives** 1. **Consumer protection**: Ensuring investor security and transparency in transactions. 2. **Financial stability**: Reduce the risk of negative impacts on traditional markets due to downturns in the crypto market. 3. **Fostering innovation**: Create a regulated environment that allows the development of new technologies and business models. ### **Key obligations under MiCA** * **Mandatory KYC and AML procedures:** MiCA requires companies operating in the crypto market to implement mandatory KYC and AML procedures. This includes identity verification of wallet holders and continuous monitoring of transactions to prevent illegal activities. * **Licenses for crypto-companies and trading platforms:** Cryptocurrency-related platforms and services must obtain regulatory licenses from an EU member country to operate. These licenses are transferable between countries within the bloc, simplifying business expansion. * **Transparency in token issuance:** Issuers of cryptoassets must provide detailed information documents, known as whitepapers, describing the purpose, risks and technical characteristics of the token. This reduces the chances of fraud in ICOs. * **Rules for stablecoins:** stablecoins, a type of cryptoasset linked to an underlying asset such as the dollar or euro, are subject to stricter regulations under MiCA. This includes reserve requirements and regular audits to ensure their stability. ## **Tips to prevent fraud in the cryptocurrency industry** Preventing fraud in the crypto market is a **shared responsibility between investors, platforms and regulators**. Here are some practical recommendations to minimize risks: ### **Advice for investors** 1. **Research before investing**: Analyze the track record, team and reputation of the project or platform. 2. **Use secure wallets**: Prefer hardware wallets or wallets with advanced security features. 3. **Enable multi-factor authentication**: Protect your accounts with additional security measures. 4. **Avoid sharing sensitive information**: Be cautious with emails or websites that ask for personal data. 5. **Be wary of offers that are too good to be true**: High, guaranteed returns are often signs of fraud. ### **Tips for platforms** 1. **Implements advanced technologies based on eIDAS and MiCA**: Uses RegTech tools to automate regulatory compliance. 2. **Train staff**: Make sure employees can identify signs of fraud. 3. **Collaborates with authorities**: Establishes direct communication channels with regulatory bodies. 4. **Provides user education**: Helps customers understand security best practices. ## **Conclusion** Cryptocurrency fraud is a significant, but not insurmountable, challenge. The **combination of advanced technologies, robust regulations such as the MiCA Regulation, and a proactive approach by investors and platforms** can create a safer and more trustworthy environment for all. Mass adoption of cryptocurrencies will only be possible if it is built on a foundation of trust, transparency and security. --- ## Chile: KYC, e-signature and biometrics mandatory in telecom **URL:** https://www.tecalis.com/blog/chile-telecom-telecommunications-biometrics-kyc-signature-face-recognition **Descripción:** Subtel, the Chilean agency, has announced the mandatory use of biometrics, KYC and electronic signature in the telecommunications sector. **Telecommunications industry in Chile** is undergoing a radical transformation in terms of **digital security and identity verification**. With the entry into force of recent regulations, the country is at the forefront in the **fight against fraud, identity theft** and related crimes, **forcing companies to** incorporate **KYC (Know Your Customer)** processes**, advanced electronic signature** and **biometric technologies** in each procedure. This change not only strengthens the protection of users, but also boosts the modernization of the sector, generating confidence in the market and guaranteeing agile and secure processes. The following details the current context, **regulatory requirements and technological solutions** that are being implemented to **meet these obligations in an automated manner**, as well as a guide on how to adopt these measures without friction for the end user. ## **Telecommunications companies in Chile** Companies operating in the telecommunications market in Chile, such as [**Movistar**](https://www.tecalis.com/case-studies/movistar-telefonica), Entel, Claro, VTR and Wom, have been **forced to adapt their internal processes to the new regulations**. These companies must now integrate verification methods **ranging from facial recognition to fingerprint biometrics and advanced electronic signature, in** order to **validate the user's identity** in each operation. The [**telecommunications market**](https://www.tecalis.com/industries/telecommunications) **in Chile** is one of the **most competitive and advanced in Latin America**. Consolidated companies, both local and international, have driven the modernization of the sector through investments in infrastructure, 5G connectivity and digital services. With the **mandatory incorporation of KYC technologies, electronic signature and** [**face recognition**](https://www.tecalis.com/blog/face-recognition), the need to adopt innovative solutions that meet high standards of security and efficiency is intensifying. **Telecommunications operators must** now face the challenge of integrating **processes that allow them to verify the identity** of their customers **remotely and without complications**, avoiding identity theft and reducing the risk of fraud. ### **Face recognition, biometrics and electronic signatures in telecom** The digital transformation in the sector has led operators to invest in state-of-the-art **identity verification systems**. Among the technologies that have become standard, the following stand out: * **Facial recognition:** Artificial intelligence-based systems allow comparing the image captured in real time with the **streaming video** and photograph recorded in official documents. This [**KYC user verification**](https://www.tecalis.com/products/identity-verification) method not only **speeds up the validation process, but also minimizes the possibility of fraud**, as it analyzes unique facial features that are difficult to replicate through static or manipulated images. * **Advanced electronic signature:** The **digital signature, legally endorsed**, allows the **subscription of telecom contracts** and other documents remotely. Thanks to its legal validity and its integration in digital platforms, companies can manage operations without the need for physical presence, reducing friction and waiting times. The adoption of these technologies responds to the need to combat crimes such as **SIM swapping, fraudulent porting and other illicit practices**, while complying with regulatory requirements and improving the user experience by eliminating manual and time-consuming processes. ## **Subtel: new obligations and requirements** The **Undersecretariat of Telecommunications (Subtel)** is the entity in charge of regulating and supervising compliance with regulations in the sector. With the approval of **Resolution 566 (and other complementary regulations)**, new parameters are established that oblige all telecommunications operators to **incorporate advanced mechanisms for identity verification,** [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **and digital security**. ### **Requirements and obligated companies** The **new regulations impose obligations** on both **traditional** and **digital telecommunications service providers**. Among the requirements established are the following: * **Mandatory identity verification:** Every procedure, whether it is the **contracting of a new service, the modification of a contract or the activation of a portability** must include a biometric verification process. This implies that the user must present his/her identity card or passport, whose data will be checked by facial recognition or by capturing his/her fingerprint. * **Implementation of** [**advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature)**:** Contracts and digital documents must have a certified electronic signature. This measure ensures that, in case of discrepancies or litigation, the transaction has legal backing. * **Process automation:** The regulations promote the use of automated systems that integrate biometric validation and electronic signature without manual intervention, thus reducing errors and speeding up the approval of applications. * **Safeguarding personal data:** Companies are obliged to guarantee the security and privacy of their users' personal information, complying with local data protection regulations. This translates into the implementation of encryption and secure storage protocols. In terms of scope, **the regulation applies to all companies in the sector**, regardless of the **service channel (face-to-face, telephone or digital)**. The objective is to achieve "indubitable" verification of the user's identity in each transaction, significantly reducing the risk of fraud and guaranteeing a safer and more reliable service. ## **KYC and biometrics tools for telecommunications** The [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer) process is fundamental in the digital sphere and has become a pillar in the fight against financial and identity crimes. In the telecommunications sector, the implementation of KYC solutions makes it possible to validate the user's identity remotely and automatically, optimizing both the customer experience and the companies' internal processes. Among the tools and solutions being adopted are the following: * **eKYC platforms:** These solutions allow users to register and verify their identity by scanning official documents (such as ID cards, passports or driver's licenses) and biometric validation through facial recognition. Specialized companies offer APIs that integrate directly into the digital onboarding flow, drastically reducing approval times. * [**Multi-factor authentication (MFA) systems**](https://www.tecalis.com/blog/multi-factor-authentication-mfa-multifactor-solutions-system-security-double)**:** The combination of different verification methods (document, facial and fingerprint) enhances security and reduces the risk of identity theft. Requiring more than one verification factor makes it much more difficult for cybercriminals. * **Integration with official databases:** To ensure the authenticity of documents, many KYC solutions integrate with databases of the Civil Registry and other government entities. This allows real-time validation that the information provided matches the officially registered information. * **Digital signature solutions:** In addition to the verification process, the advanced electronic signature is integrated into the same platform, allowing the signing of contracts and agreements digitally. This translates into a comprehensive process that covers from identity validation to the formalization of legal agreements. These tools not only comply with current regulations, but also offer significant benefits, such as reduced operating costs, improved user experience and accelerated contracting and customer service processes. ## **Electronic signature in telecommunications contracts** The advanced electronic signature has become an indispensable element in the digitalization of commercial and contractual processes. In the context of telecommunications, its **use is mandatory to formalize contracts, modifications and any agreement that requires legal backing**. * **Agility in contract management:**Electronic signatures allow contracts to be formalized instantly, eliminating the need to print, sign and scan documents. This not only speeds up the process, but also facilitates the storage and retrieval of information. * **Legal security:**Electronic signatures have a solid legal framework to support them. In Chile, the regulations recognize the validity and authenticity of these mechanisms, which gives confidence to users and guarantees the integrity of contracts. * **Reduction of errors and fraud:**By integrating with secure digital systems, electronic signatures minimize the risk of document tampering and alterations. In addition, the linkage with KYC and biometrics systems adds an additional layer of verification, making the possibility of fraud virtually nil. * **Sustainability and paper reduction:**The digitization of contracts contributes to a sustainability policy, reducing the use of paper and the costs associated with logistics and physical storage of documents. The implementation of electronic signatures in telecommunications is a comprehensive solution that meets both the needs of the sector and the demands of an increasingly digital and globalized market. ## **How to implement the best solutions in an affordable and frictionless way for users** The integration of advanced technologies into the identity verification process must be done in a way that **is frictionless for users**. The key is to **balance security with user experience** by implementing solutions that are intuitive, fast and efficient. Here are some strategies to achieve this: ### **1\. Evaluation and selection of technology suppliers** Before implementing any solution, it is essential to conduct a thorough evaluation of the suppliers in the market. Aspects to be considered include: * **Certifications and compliance:**Ensure that platforms comply with local and international regulations (e.g., ISO standards, data protection regulations, and security certifications). * **Integration and compatibility:**Solutions must be compatible with the company's current systems and allow for easy integration, minimizing implementation times and possible service interruptions. * **Scalability:**It is important to choose solutions that can grow along with the business, adapting to an increase in demand without losing performance or security. ### **2\. User-centered design** The implementation of verification tools should not interfere with the user experience. Some recommendations include: * **Intuitive and user-friendly interface:**Design registration and verification processes that are easy to use, with clear instructions and no unnecessary steps. The experience should be as seamless as possible to avoid losing potential customers. * **Multi-channel support:**Provide assistance through multiple channels (online chat, help centers, telephone support) to resolve doubts or problems during the verification process. * **Real-time feedback:**Implement mechanisms that inform the user about the progress of their verification, reducing anxiety and building confidence in the process. ### **3\. Testing and continuous validation** To ensure the correct functioning of the solutions, it is vital to carry out periodic tests and collect feedback from users: * **Pilots and user testing:**Running pilot programs in controlled environments allows you to identify potential failures or friction points prior to full-scale deployment. * **Analysis of metrics and KPIs:**Define key performance indicators (KPIs) related to verification success rate, response times and customer satisfaction, and make adjustments based on the results. * **Constant updates and improvements:**Technology evolves rapidly, so it is essential to have a continuous upgrade plan that incorporates new functionalities and reinforces the security of the system. ## **Conclusions and recommendations** The mandatory implementation of KYC, electronic signature and biometrics in the telecommunications sector in Chile marks a turning point in the way identity and digital security are managed. With the supervision of [**Subtel (Undersecretary of Telecommunications of Chile)**](https://www.subtel.gob.cl/) and the support of robust regulations, companies in the sector are called to **modernize their processes, ensuring a more secure, agile and reliable user experience, with great growth results**. The integration of facial recognition, biometric analysis and digital signature tools not only complies with legal requirements, but also positions companies in an increasingly competitive market, where security and efficiency are key factors. By adopting these technologies, telecom not only **prevent fraud and protect** their customers' **information**, but also **prepare for the future challenges of a constantly evolving digital environment and acquire more users in less time**. --- ## Centralized signature: how does digital certificates work? **URL:** https://www.tecalis.com/blog/centralized-signature-certificate-what-is-key-issuance-platform **Descripción:** Centralized signature certificates or centralized signatures are a type of electronic signature issued on official platforms. In today's digital era, security and efficiency in **electronic document management** are paramount. The **centralized signature** emerges as an innovative solution that **facilitates the authentication and signing of documents from any device** with an internet connection and access to the platform where the certificate is hosted. Among the different electronic signature modalities, the **centralized signature** stands out for its efficiency and flexibility.  In this article, we will explore in depth what a **centralized signing certificate** is, its characteristics, issuing processes, available platforms, legal aspects, types and the advantages and disadvantages associated with its use. ## **What is a Centralized Signature Certificate?** A **centralized signing certificate** is an **electronic certificate stored and managed in secure servers**, instead of being hosted in local devices such as cryptographic cards or hard disks. This modality **allows users to perform electronic signatures independently** of the browser, device or operating system used, facilitating the process even from mobile devices. This digital cryptographic file **allows** [**advanced electronic signatures**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) **with certificate and qualified** from any device connected to the Internet, **without the need to install specific software or rely on locally stored keys**. Unlike traditional certificates, these are hosted on secure servers **managed by a certification authority or an authorized platform**, which guarantees greater control, accessibility and traceability. ### **What is Centralized Signature? Characteristics and definition** **Centralized signature** is an electronic signature implementation model where **digital certificates are stored in the cloud**, i.e. on servers managed by **trusted entities (**[**QTSPs**](https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas)**)**. This approach offers several significant advantages: * **Accessibility**: Allows users to sign electronic documents from any device with an Internet connection, without the need for additional hardware. * **Environment Independence**: The electronic signature can be made independently of the browser or operating system, offering greater flexibility. * **Scalability:** Easily adapts to the needs of companies and organizations of any size. * **Security**: The certificates are guarded by reliable certifying authorities, guaranteeing high levels of security in the signature process. **Centralized signing** is characterized by the **outsourcing of the digital certificate**. Instead of being stored on a physical device such as a token or cryptographic card, or on the user's own computer, the certificate resides on a secure server managed by a trusted service provider. This facilitates access to the electronic signature from any location and device, simply with the credentials to access the service. Thus, we can define centralized signature and centralized signature certificates as **a type of advanced electronic signature that uses a digital certificate stored on a remote server** to guarantee the authenticity and integrity of electronic documents. It is based on the **use of a public key infrastructure (PKI) that allows the generation, management and secure custody of digital certificates**. ## **How to issue Centralized Signature Certificates?** The issuance of a centralized signing certificate involves several steps to ensure the authenticity and security of the user: 1. **Registration in the Authentication System**: The user must register in a state-recognized authentication system, such as Cl@ve Permanente in countries like Spain, providing their personal data and establishing access credentials. 2. **Certificate Request**: Through the corresponding platform, the user requests the issuance of the centralized signature certificate. This process may require prior authentication by means of a valid electronic certificate. 3. **Proof of Identity**: Depending on the issuing entity, it may be necessary to prove identity in person at an authorized registry office or by secure telematic methods. 4. **Generation and Storage of the Certificate**: Once the identity is verified, the certificate is generated and stored in the secure servers of the certifying entity that is decided, being available for its use in the electronic signature from the [**electronic signature platform.**](https://www.tecalis.com/products/electronic-signature/free-vs-paid-features) ## **Centralized Signature Certificate: Available Platforms** Each platform offers different functionalities, such as **user management, signature tracking, integration with other applications or customization of the signature process**. It is important to choose the platform that best suits the needs of each user or company. There are several platforms that offer centralized signature services, among which the following stand out: * **Cl@ve Firma**: Implemented by the Spanish Public Administration, it allows citizens to sign electronically from any device with an Internet connection, using centralized certificates held by the General Directorate of the Police and the Social Security IT Management. Perfect for procedures with the public administration and organizations such as the tax authorities. * **FNMT-RCM**: The Fábrica Nacional de Moneda y Timbre offers the issuance of centralized signature certificates as a complement to the public employee certificate. * [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature): Leading electronic signature platform, which offers a **certificate manager module to store** signature **certificates** for easy use. It is characterized by its scalability and its ability to manage large volumes of documents. ## **Legality and Validity of the Centralized Signature** The electronic signature made by means of centralized signature certificates has **full legal validity**, as long as it complies with the requirements established by current regulations. In the European Union, Regulation (EU) No. 910/2014, known as [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), regulates electronic identification and trust services, establishing a legal framework for electronic signatures. This regulation recognizes the **legal equivalence of electronic signatures with handwritten signatures**, provided that qualified certificates issued by trust service providers are used. It is essential that centralized signature platforms comply with the applicable standards and regulations to guarantee the legal validity of the electronic signatures made through their services. **Requirements for the legal validity of the centralized signature:** * **Identification of the signatory:** The issuance process of the centralized signature certificate must guarantee the unequivocal identification of the signatory, as well as its use in the digital signature platform. * **Signatory's exclusive control:** The signatory must have exclusive control over the signature creation data. * **Document integrity:** The signature must be linked to the document in such a way that any subsequent modification is detectable. * **Time Stamp:** The signature must include a time stamp to determine the exact time it was made. ## **Advantages of using Centralized Signature Certificates** 1. **Global Accessibility:** Certificates stored on servers allow users to sign documents from any device with an Internet connection, eliminating geographical barriers and hardware limitations. 2. **Enhanced Security:** Certificates are hosted in secure infrastructures managed by certificate authorities. This minimizes the risk of loss or theft, unlike certificates stored on physical devices such as USB or cryptographic cards. 3. **Multi-Platform Integration:** Centralized signatures are compatible with different browsers, operating systems and devices, making them easy to deploy in diverse environments. 4. **Process Automation:** This model allows the integration of electronic signatures into automated workflows, improving efficiency in business processes such as contract management, invoicing or approvals. 5. **Legal Compliance:** Centralized signature certificates issued by trusted authorities comply with international regulations, such as the eIDAS Regulation in Europe, which ensures their legal validity in electronic transactions. ## **Centralized signature certificates or biometric advanced electronic signature?** The **centralized signature certificate** has established itself as a key tool for companies and institutions seeking to improve efficiency and security in electronic document management. Its ability to facilitate remote signing from any device, together with compliance with international legal standards such as the eIDAS Regulation, makes it an essential solution in an increasingly digitalized world. However, its adoption **requires careful evaluation of the pros and cons**, as well as consideration of the specific needs of each organization with **other equally secure and legally binding but more flexible alternatives such as advanced electronic signatures**. Understanding what a centralized signature certificate is, how it is issued, which platforms support it and the associated legal aspects, allows companies and professionals to make informed decisions about its implementation. If your company is looking to optimize its processes, this can be an excellent solution to adapt to the demands of today's market. --- ## Electronic notifications: how they work and how to send them **URL:** https://www.tecalis.com/blog/electronic-notifications-what-are-notification-systems-service-signature-query **Descripción:** Electronic notifications are systems for sending information and documents with legal validity thanks to digital signature. Electronic notifications have become a **fundamental element in digital communication between companies and clients**, as well as public administrations and citizens. This **modern system of official communication** guarantees legal certainty and efficiency in communications, allowing to **carry out procedures in an agile and secure way**.  **Traditional registered letters and faxes have given way to more agile and efficient methods**, such as electronic notifications.  This communication system, which allows **sending and receiving documents with full legal guarantees through the Internet**, has become an **essential** tool **for businesses** and governments. In this article, we will go deeper into what electronic notifications are, explore their uses and advantages, **analyze the most commonly used systems, detail the process of sending and receiving them**, and address the legal and security implications. ## **What are electronic notifications?** An electronic notification is a **digital document** that allows the **official and legally valid communication of** any administrative act, resolution or communication between parties. This type of notification is made through digital means and has **the same legal guarantees as a traditional paper notification**, but with the advantage of **immediacy** and **reduced** administrative **costs**. Electronic notifications are regulated in countries such as Spain by Law 39/2015 and in the rest of Europe by the [**eIDAS regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), which establishes the **legal framework for their use and validity**. This law determines that notifications will preferably be made by electronic means and, in any case, when the interested party is obliged to receive them by this means. This type of notification is characterized by: * **Authenticity**: The identity of the sender is guaranteed. * **Integrity**: It ensures that the content of the message has not been altered during sending. * **Confidentiality**: Only the sender and the recipient can access the contents of the notification. * **Proof of** receipt: An acknowledgement of receipt is generated certifying the date and time of delivery, as well as the identity of the receiver and sender. Electronic notifications or [**e-notices**](https://www.tecalis.com/blog/e-notices-enotices-electronic-notifications-notice-enotice-published-companies) are governed by the European eIDAS Regulation (electronic IDentification, Authentication and trust Services), which establishes a common legal framework for electronic signatures and trust services in the European Union. In this way, we can define that electronic notifications are official communications that public administrations or private entities and companies send to citizens, users, clients or other companies through digital means. With **valid legal consequences, they establish acts such as the beginning of the deadline for replying or submitting documentation, presenting allegations or appeals, etc.** ### **Uses and services of electronic notifications** Electronic notifications are used in a wide variety of areas, such as: * **Public administration:** Notification of resolutions, sanctions, requirements, etc. * **Justice:** court summons, notifications of judgments, etc. * **Private sector:** Communications with clients in all types of fields and operations, supplier management, employees at labor level, contracts and legal documents, etc. * **Financial institutions and insurances:** Notifications of bank movements, statements, etc. Insurance registration and policy renewals, expert reports, etc. * **Telecommunications and utilities sector**: On service registrations and cancellations, payments, issuance of electronic invoices, etc. Electronic notifications offer numerous advantages over traditional methods of communication: * **Time and cost savings:** Time spent printing, sending and receiving physical documents is eliminated, as well as the costs associated with paper, ink and postal mail. * **Increased efficiency:** The shipping and receiving process is much faster and more agile. * **Traceability:** The entire notification process can be tracked from dispatch to receipt. * **Security:** Electronic notifications offer a high level of security thanks to electronic signature and encryption systems. * **Sustainability:** Paper consumption is reduced and contributes to the protection of the environment. ## **Electronic notification systems** There are **several platforms and systems** that allow sending and receiving electronic notifications. In order to manage electronic notifications efficiently, various systems and applications are used that integrate [**electronic signatures**](https://www.tecalis.com/products/electronic-signature) and guarantee certified communication. Some of the most prominent are: * **Electronic signature platforms:** Many electronic signature platforms, such as Tecalis Sign, also offer electronic notification services (certified communication or electronic notifications). **It is the main way of using this eIDAS communication standard for private companies and businesses.** These platforms usually integrate **electronic signature applications with** [**certified communication**](https://www.tecalis.com/products/certified-communication), which allow **sending documents, messages or notifications with full legal guarantees** and obtaining an acknowledgement of receipt with evidentiary value before a judge. These applications are based on **eIDAS digital certificates and** [**timestamps**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) that guarantee the identity of the sender and the integrity of the document. When choosing an electronic notification system, it is important to consider factors such as security, ease of use, integration with other systems and cost. Electronic notification systems are composed of different elements and platforms that guarantee their safe and efficient operation. The main systems include: * Reliable identification of sender and addressee * Date and time stamp of shipment and receipt * Full content of the communication * Acknowledgement of receipt * Confidentiality of communications ## **How to send an electronic notification** The process of sending an electronic notification may vary slightly depending on the platform used. However, in general, the steps to follow are as follows: 1. **Access the platform:** Access the electronic signature or electronic notifications platform with user credentials. 2. **Upload the document or compose the message:** Upload the document to be sent as a notification. 3. **Add recipient:** Enter the e-mail address or the enabled e-mail address of the recipient. 4. **Send the notification:** Send the notification through the platform. Once the notification has been sent, the recipient will receive an e-mail or a notification through the chosen channel indicating that he/she has a pending notification. The recipient will be able to access the platform to consult and download the notification, as well as sign the acknowledgement of receipt. This type of notification in **many companies can be automated thanks to API integration with business systems**. Notifications and alerts are sent to customers in a coordinated manner based on predefined triggers or policies. ## **Signing of electronic notifications and consultation** The electronic signature is a key element in electronic notifications, since it guarantees the authenticity of the sender and the integrity of the content. To consult and sign electronic notifications, users must access the corresponding platform through **the link provided in the message of the channel through which the communication was received (email,** [**certified SMS**](https://www.tecalis.com/blog/certified-sms-certificate-what-is-legal-notifications-legal-electronic-registered-how-to-example)**...).** They will be able to view the pending notifications and proceed to their electronic signature if necessary (this is usually only necessary at the level of the public administration). For example, in the Social Security Electronic Headquarters, users can consult and sign electronic notifications using their digital certificate or Cl@ve. The **consultation of electronic notifications** is done through the platform or system used for sending. The recipient can access its notification mailbox to consult the pending notifications, download them and sign the acknowledgement of receipt if necessary (although in most cases of private/business use it is not). Electronic notification platforms usually offer a **notification history**, where you can check the status of all notifications sent and received, as well as the **date and time of sending, receiving and reading**. ## **Electronic notifications and their security: eIDAS e-notices** Security is a crucial issue in the area of electronic notifications. The **eIDAS Regulation** establishes a regulatory framework to ensure **trust and security** in electronic transactions, including electronic notifications. The **eIDAS electronic notifications** are based on the following principles: * **Electronic identification:** Electronic identification systems are used to guarantee the identity of the sender and the recipient. * **Electronic signature:** Qualified electronic signatures are used to ensure the authenticity and integrity of the notification. * **Electronic time stamp:** A qualified time stamp is used to certify the date and time of sending and receipt of the notice. * **Certified electronic delivery:** Certified electronic delivery services are used to ensure proof of sending, receipt and content of the notice. These security mechanisms allow electronic notifications to have the same legal validity as paper notifications, and to **be used as evidence in legal proceedings either via SMS or with a** [**certified email**](https://www.tecalis.com/blog/certified-email-registered-what-is-electronic-mail-digital-e-mail-certificates-free-send-emails). In addition to the requirements of the eIDAS Regulation, electronic notifications platforms usually implement additional security measures, such as: * **Data encryption:** The notification data is encrypted to protect its confidentiality. * **Access control:** Access control systems are implemented to ensure that only authorized persons can access notifications. * **Audit reports:** Security audits are performed to detect and prevent possible vulnerabilities and a PDF is generated with all the traceability of the message. **eIDAS-compliant electronic signature and electronic notification systems offer greater trust and legal acceptance throughout the European Union**, fostering interoperability between member states. ## **Benefits of electronic notifications for companies** The electronic notification system represents a **significant advance in the modernization of official communications and legal support**. Its proper implementation requires technical knowledge, appropriate infrastructure and well-defined procedures. The combination of legal certainty, operational efficiency and regulatory compliance makes electronic notifications an indispensable tool in today's digital administration, providing: * **Cost reduction:** Printing, mailing and storage costs of paper documents are eliminated. * **Increased efficiency:** Communication processes are streamlined and response times are reduced. * **Improved productivity:** Employees can spend more time on higher value-added tasks. * **Increased security:** Security and confidentiality of communications are guaranteed. * **Legal compliance:** Compliance with legal obligations regarding notifications is facilitated. Companies can use electronic notifications to: * **Communications with customers:** Send contracts, invoices, notices, etc. * **Communications with suppliers:** Send orders, delivery notes, invoices, etc. * **Internal communications:** Send notifications to employees, such as payroll, communications, etc. --- ## OSS: what is an Operations Support System? **URL:** https://www.tecalis.com/blog/oss-what-is-operational-support-systems-operations-system-bss **Descripción:** OSS (Operational Support Systems) are a set of tools and software together with the BSS to operate a business. Technological transformation and the **need for accurate, fast and efficient operations** have led companies in multiple industries to adopt innovative solutions for the management and support of their operations.  Among these solutions, **OSS (Operations Support Systems)** play an essential role in the **management, control and supervision of critical infrastructures**, allowing processes to run optimally and securely. In this article, we will delve into what an OSS is, how it interacts with other business systems (BSS) and the main functionalities and applications in various industries. ## **What is an OSS (Operations Support System)?** **Operations Support Systems** (**OSS)** are **technology platforms** designed to **manage, monitor and maintain networks and infrastructures in telecommunications and other industries**. These systems allow organizations to **supervise the performance of their networks, identify incidents, manage configurations and execute** maintenance **tasks**, thus ensuring operational continuity and efficiency. Thus, we can say that an OSS is an **integrated set of software, digital tools and hardware designed to manage and automate the operations of a company**, especially in sectors such as telecommunications, energy, utilities and banking. These systems act as the **operational brain of the organization**, enabling the monitoring, control and optimization of all processes, from network management and **service delivery to customer care and billing**. ### **OSS main characteristics**  1. **Real-time monitoring:** OSS collects network data in real time, allowing operators to detect anomalies, congestion and potential failures before they affect end users. 2. **Configuration management:** Facilitates the administration and updating of equipment and node configuration, ensuring network consistency and optimization. 3. **Process automation:** Through automation, OSS reduces the need for manual intervention, speeding problem resolution and minimizing downtime. 4. **Predictive analytics:** Thanks to the use of machine learning algorithms and data analysis, these systems can predict potential failures, helping to prevent significant outages. 5. **Integration with other systems:** An OSS integrates seamlessly with business systems (BSS) and other applications, creating a synergy that improves the comprehensive management of the infrastructure. ### **How OSS works and key functionalities** The operation of an OSS is based on the **collection and analysis of data from various sources, as well as the execution of tasks and** [**smart contracts**](https://www.tecalis.com/blog/smart-contracts-contract-what-are-for-examples-type-advantages-work). This data is processed through analytics platforms and visualized in **dashboards that provide a clear view of the state of the infrastructure**. Key functionalities include: * **Fault detection and management:** When network incidents are identified, the system alerts operators and, in many cases, triggers automated repair protocols. * **Execution of product/service additions, deletions and modifications:** Automatically create the necessary actions and make changes to activate products to customers. * **Performance optimization:** Through continuous monitoring, OSS allows parameters to be adjusted and the use of resources to be optimized, guaranteeing an adequate quality of service. * **Planning and provisioning:** Helps plan future expansions and manage the provision of new services, aligning with market needs and customer expectations. * **Reporting and analysis:** The ability to generate detailed reports and historical analysis facilitates strategic decision making based on accurate and up-to-date data. * **Security and compliance:** The integration of security and compliance measures is essential to protect both the infrastructure and the sensitive information passing through the network. These systems are designed to be scalable and adaptable, making them indispensable tools for environments requiring high availability and performance, such as telecommunications, utilities, banking and insurance networks. ## **OSS and BSS** While **OSS (Operations Support Systems)** are responsible for the operational management of the network, [**BSS (Business Support Systems)**](https://www.tecalis.com/blog/bss-what-is-how-it-works-business-support-system-telecommunications-oss) focus on the **business and customer service** side. Together, OSS and BSS form a synergy that enhances both operational efficiency and end-user experience. ### **Role of the BSS in the value chain** The BSS are responsible for: * **Billing and collection management:** Automate and manage billing processes, ensuring that services rendered translate into accurate revenue. * **Activation and management of new channels and points of sale**: From the back office to their registration (in both alternative and proprietary channels), BSSs are central to the day-to-day work of sales representatives. * **Customer management:** Enable customer data management, from service activation to incident resolution. * **Marketing and sales:** They provide tools for marketing campaigns, promotions and cross-selling, contributing to business growth. **Product and service management:** Facilitates the creation, configuration and activation of new products, ensuring that changes are reflected both in the network and in billing. ### **OSS/BSS integration** The **integration of** [**OSS and BSS, known as OSS/BSS**](https://www.tecalis.com/blog/oss-bss-operational-and-business-support-systems-what-is-difference-telecommunications), is fundamental to achieve comprehensive and efficient management. Some of the advantages of this integration are: * **Increased operational efficiency:** By unifying operational and commercial management, duplication of efforts is reduced and coordination between technical and business teams is improved. * **Resource optimization:** The information shared between both systems allows a more intelligent allocation of resources and a quick response to incidents. * **Improved customer experience:** The integration facilitates a complete view of the customer, enabling personalized responses and proactive attention. * **Cost reduction:** By automating processes and optimizing infrastructure, operating costs are reduced and profit margins are maximized. This combination, also known in the market as **OSS/BSS**, is especially relevant in highly competitive industries such as [**telecommunications**](https://www.tecalis.com/industries/telecommunications), where agility and operational efficiency can make the difference between success and stagnation. ## **The best BSS for your OSS** To get the most out of OSS, **it is crucial to have a BSS** that complements and enhances its functionalities. Among the solutions on the market, those that seamlessly integrate both platforms, offering a unified and robust ecosystem stand out. ### **Customer Hub: Innovation in OSS/BSS integration** One of the benchmarks in the market is [**Tecalis Customer Hub**](https://www.tecalis.com/products/customer-hub-sales), a solution that has gained relevance for its **ability to manage both OSS and BSS functions**. The following are some of the features and advantages of this system: * **Full integration:** Tecalis Customer Hub stands out for its complete integration of operational and commercial functionalities. This allows companies to have a unified view of their operations, from service activation to incident management and billing. * **Ease of use:** Its intuitive and user-friendly interface facilitates adoption by technical and commercial teams, reducing the learning curve and improving operational efficiency. * **Scalability and flexibility:** Designed to adapt to changing market needs, this BSS/OSS is suitable for both small enterprises and large telecom operators. * **Support for digital transformation:** With digitalization-oriented functionalities, it enables integration with artificial intelligence, data analysis and automation solutions, key elements for the digital transformation of any organization. * **Security and compliance:** With a robust approach to security, it ensures compliance with international regulations, protecting both infrastructure and customer information. Choosing the right BSS, such as Tecalis Customer Hub, translates into greater **responsiveness to market demands and the consolidation of** an operational and sales infrastructure that supports long-term growth. ## **OSS and BSS in different industries** The implementation of OSS and BSS systems is not limited to the telecommunications sector. Their **versatility and ability to manage complex infrastructures makes them ideal for a variety of industries**. Some of the sectors where these systems have a significant impact are discussed below: ### **Telecommunications** In the telco sector, the integration of OSS and BSS is essential for: * **Mobile and fixed network management:** Allows monitoring network performance, managing equipment configuration and optimizing customer service. * **Service activation:** From line activation to data package configuration, automating these processes improves the user experience and reduces errors. **Resource optimization:** Real-time monitoring and predictive analytics facilitate efficient resource allocation and proactive incident resolution. ### **Utilities** In [**energy and utilities**](https://www.tecalis.com/industries/utilities-energy), such as electricity, water and gas, OSS and BSS are used for: * **Critical infrastructure monitoring:** From energy distribution to water network management, these systems ensure continuity of supply. * **Incident and maintenance management:** The ability to detect faults and manage maintenance tasks in an automated manner is key to minimizing service interruptions. * **Consumption optimization:** With real-time data analysis, strategies can be implemented to reduce consumption and improve energy efficiency. ### **Banking and Finance** In the [**banking and financial sector**](https://www.tecalis.com/industries/banking-financial-services-fintech), OSS/BSS integration offers advantages such as: * **Security and compliance:** Centralized infrastructure management and integration with security systems ensure regulatory compliance and protection of sensitive data. * **Transaction management:** Automation in the activation of financial products and incident management contribute to improving the customer experience. * **Supporting digital transformation:** The implementation of artificial intelligence and predictive analytics technologies helps to optimize internal processes and offer innovative services. ### **Insurance** The insurance industry benefits from OSS/BSS integration in areas such as: * **Policy management:** Automation in the issuance and renewal of policies allows for more efficient administration and reduces the risk of errors. * **Customer service:** By having a holistic view of the customer, insurers can offer personalized services and resolve incidents proactively. * **Risk analytics:** The use of predictive analytics and machine learning helps identify trends and adjust policies according to each client's risk profile. ### **Other sectors** In addition to the sectors mentioned above, OSS and BSS have found application in: * **Transportation and logistics:** To manage fleet tracking, monitor performance and optimize routes, ensuring a smooth and safe operation. * **Health:** In the management of hospital infrastructures, monitoring of medical equipment and coordination of emergency services. * **Retail:** In the integration of point-of-sale systems, inventory management and supply chain optimization, improving the end-customer experience. ## **Improved functionalities of operations and business support systems** The success of an OSS and a BSS lies in their ability to offer functionalities that enable companies to optimize their operations and adapt to a constantly changing business environment. The following are some of the most important functionalities: ### **Integration with product activation by KYC (Know Your Customer)** The [**Know Your Customer (KYC)**](https://www.tecalis.com/products/identity-verification) process is critical in highly regulated industries such as banking and telecommunications. The integration of KYC in OSS/BSS allows: * **Automated identity validation:** By integrating KYC solutions, it ensures that only verified users can be activated, reducing the risk of fraud. * **Real-time product activation:** KYC-based automation of the activation process allows for a seamless transition from customer registration to service activation. * **Regulatory compliance:** Ensures that companies comply with local and international regulations, avoiding penalties and improving customer confidence. ### **Electronic signature and digitization of processes** The [**electronic signature**](https://www.tecalis.com/products/electronic-signature) is another key functionality in the digital transformation of operations. Its integration into OSS and BSS systems facilitates: * **Agility in document management:** The digitalization and electronic signature of contracts, agreements and other documents eliminates the need for manual processes, speeding up administration. * **Security and authenticity:** The digital signature offers high levels of security, ensuring the integrity and authenticity of the information. * **User experience:** Customers benefit from fast and smooth processes, improving satisfaction and retention. ### **Interactive kiosks and self-service points** [**Interactive kiosks**](http://tecalis.com/products/kiosk-terminal-interactive-identity-self-service-atm-pos) have become essential tools in various sectors, especially in retail, banking and telecommunications. Their advantages include: * **Immediate access to information:** They allow users to check the status of their services, make payments or manage incidents autonomously. * **Reduced burden on call centers:** By offering self-service options, pressure on call centers is reduced, allowing staff to focus on more complex tasks. * **Intuitive interface:** These interactive points are designed to provide a simple and effective user experience, facilitating navigation and interaction with the system. ### **Commissioning and payment platform** **Tecalis** is responsible for managing your entire commissioning system, covering partners, business partners, distributors and agents, with the commitment to optimize and automate the entire process of payments and settlements. Its functionalities include: * **Commissions platform:** Provides advanced dashboards that allow you to sign up new partners, manage distributor relationships and consult in real time on clawback and necessary adjustments. All this translates into complete visibility of the commission system. * **Settlement and auto-payments:** Integrates dynamic settlement rules with automated calculations that allow you to generate auto-invoices and manage payments efficiently. This reduces manual errors and streamlines the financial process, ensuring timely and accurate payments. * **Gamification and incentives:** Incorporates advanced gamification programs that motivate the sales network. With well-structured incentives and interactive tools, it fosters commitment and stimulates the performance of distributors and agents, boosting the productivity of the entire network. **Automation and security:** The automation of accounting and settlement processes frees your teams from repetitive tasks, reducing the operational burden. In addition, the implementation of RegTech QTSP tools ensures fraud protection and guarantees regulatory compliance, reinforcing confidence in the system. ### **Intelligent commercial catalog manager** The **Commercial Catalog Manager** is designed to create and manage pricing and market strategies 100% adapted and customized for each customer, channel and distributor, offering dynamic management at all times. Key functionalities include: * **Dynamic pricing and bidding:** Enables real-time pricing and bidding based on market conditions. Pricers connect directly to your inputs and third-party sources to ensure that prices reflect competitive realities and market variations. * **Scaling and logics:** It facilitates the configuration of scaling by range and product or service line. It also allows creating bundles and simulating commercial proposals for distributors and agents, adapting to different commercial strategies and market segments. * **Intelligent recommenders and bots:** Incorporates recommendation systems that assist commercial teams in decision making. Intelligent bots analyze data and provide options to adjust margins and offers, based on customer expectations and behavior. * **Integrated Pipeline and CRM:** Forget about fragmented and costly solutions. This manager fully integrates pipeline and CRM functionality, offering tracking and management of opportunities in a single platform, which optimizes communication and improves business closing. ## **Conclusions and recommendations on OSS/BSS** The integration of **OSS (Operations Support Systems)** and **BSS (Business Support Systems)** represents a revolution in the management of infrastructures and services in various industries. From real-time monitoring and incident management to automated service activation and digitization of processes, these systems offer crucial added value for companies seeking to optimize their operations and improve customer experience. The deployment of solutions such as **Tecalis Customer Hub** demonstrates how the convergence of operational and business functionalities can transform the way networks and services are managed, bringing tangible benefits in terms of efficiency, security and scalability. --- ## Trends in mobility and transport: renting and MaaS platforms **URL:** https://www.tecalis.com/blog/dealers-maas-trends-mobility-renting-mobility-mobility-transportation-vehicles **Descripción:** The dealership and automotive industry presents its innovations and trends applicable to MaaS, leasing and other mobility players. The **automotive and mobility industry** is undergoing an unprecedented **transformation**. In this article you will learn in depth **which technology solutions are standing out for dealers and SaaS platforms** and which are the most pressing business and market **trends** that will shape the future of automotive and mobility. ## **News and trends in the automotive industry** The **automotive,** [**mobility and transportation industry**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing) is in a time of intense transformation driven by **digitalization**, electrification, **regulatory compliance** and connectivity. Among the most relevant developments and trends are: ### **1\. Electrification and electric vehicles (EV)** The transition to electric vehicles is one of the pillars of automotive evolution. In Spain, both manufacturers and dealers are adapting to this new reality. Key aspects include: * **Government incentives:** Measures such as purchase subsidies, tax exemptions and the expansion of charging infrastructure have favored the adoption of EVs. * **Innovations in batteries:** The development of solid-state batteries that promise to double autonomy and significantly reduce charging times. ### **2\. Connectivity, autonomous vehicles and MaaS platforms.** The integration of connectivity technologies is transforming the driving experience and road safety. Aspects to consider: * **Autonomous vehicles:** Although still in the testing phase in many brands, advances in algorithms, LiDAR sensors and data fusion promise to reduce traffic accidents by up to 90%, which could save billions of euros annually in Spain. Experts point out that driving automation will facilitate mobility and democratize access to safe transportation services. * **Internet of Things (IoT):** Connectivity between vehicles, infrastructure and devices enables smarter traffic management, route optimization and a personalized user experience. ### **3\. Digitalization and transformation of automotive retail** Digitalization is revolutionizing the way vehicles are sold and promoted. Among the new developments are: * **Online purchase process with** [**electronic signature**](https://www.tecalis.com/products/electronic-signature)**:** More and more dealerships are using digital platforms to display inventory, make comparisons and manage vehicle sales. 90% of buyers start their search on the Internet, forcing companies to improve their digital presence. * **Omni-channel experience:** The integration of physical and digital channels enables a seamless shopping experience. Dealerships that are committed to digital marketing and CRM strategies are achieving better results in customer acquisition and loyalty. * **Use of data and analytics:** Data analysis allows for a better understanding of consumer habits and preferences, optimizing the offer and personalizing service. ### **4\. Renting, sale-purchase and flexible financing** The [**mobility ecosystem**](https://www.tecalis.com/blog/mobility-what-is-transport-transportation-urban-city-renting-cars) has especially transformed cities with mobility sharing. Beyond that service, **remote financing** has become a priority for the automotive industry. Trends in this area include: * **Digital Onboarding and KYC:** This system makes it possible to offer all types of financing, mitigating the risk of fraud and complying with the regulations, totally remotely and in an easy, secure, fast and convenient way. * **Bank Scraping and Scoring:** The optimization of production and legal processes with RegTech contributes to reduce the financial risk assumed by licensees and comply with AML regulations. These trends complement and enhance each other, shaping a landscape in which innovation, digitalization and sustainability lead the way to a safer and more efficient future in the automotive sector. ## **RegTech technologies for dealers** Within the digital transformation landscape, RegTech (regulatory technology) technologies have become essential allies for the [**mobility and transportation sector**](https://www.tecalis.com/blog/mobility-transport-new-digital-solutions-regulatory-compliance-optimization-carsharing-rental), especially for concessionaires. These solutions are aimed at facilitating regulatory compliance, optimizing processes and reducing risks. ### **Electronic signature** The [**electronic signature**](https://www.tecalis.com/blog/electronic-signature) is a fundamental tool for speeding up and securing the contracting of vehicles, the management of documentation and the closing of commercial agreements. Its advantages include: * **Speed in the processing of sales and financing:** Processes that used to take days can now be completed in minutes thanks to digital signatures, speeding up sales and improving customer satisfaction. * **Security and legality:** Electronic signatures comply with current security standards and regulations, offering legal guarantees equivalent to handwritten signatures. * **Integration with other systems:** It can be integrated with CRM and ERP platforms, allowing a continuous flow of information that optimizes document management. ### **2\. Identity verification (KYC)** The [**Know Your Customer (KYC**](https://www.tecalis.com/products/identity-verification)) process is crucial to prevent fraud and ensure transaction security. RegTech based solutions provide: * **Automation of the documentation collection process:** Using artificial intelligence algorithms and facial recognition, identity can be verified quickly and accurately. * **Error reduction:** By digitizing the process, manual intervention is minimized, reducing the risk of errors and fraud. * **Regulatory compliance RGPD, AEPD, etc:** These solutions adapt to local and international regulations, facilitating auditing and control. In the context of dealerships, the implementation of electronic signature and KYC verification solutions simplifies contract management and customer validation, increasing efficiency and reducing operating costs. ## **AI-based tools for mobility industry** The mobility sector - which encompasses **carsharing, motosharing, mobility platforms and the Mobility as a Service (MaaS) model** \- also benefits greatly from RegTech technologies. In this area, security, process agility and regulatory compliance are key elements. ### **Electronic signature applied to mobility** The electronic signature is not only useful for contracting in dealerships, but also applies to the **formalization of contracts in shared mobility services**. Among the benefits are: * **Instant formalization:** Users can sign rental agreements, subscriptions or memberships quickly and without paperwork. * **Transaction security:** By having a digital signature, the integrity and authenticity of the agreements is guaranteed, protecting both parties. * **Improved user experience:** The speed and ease of the process generates a positive experience, encouraging loyalty. ### **2\. Identity verification (KYC) in mobility** In **carsharing, motosharing and MaaS platforms - also for** [**public transport**](https://www.tecalis.com/case-studies/asturias-mobility-transport-consortium-kyc-onboarding-conecta-first-spanish-regional-government-kyc) **\-** , it is essential to have **robust identity verification processes** in place to **ensure the security and trust of users**. **KYC** solutions applied in this sector allow: * **Real-time validation:** Users are identified instantly using facial recognition and document analysis technologies, speeding up KYC onboarding. * **Fraud prevention:** By accurately knowing the identity of customers, the risk of fraud and abuse in the use of services is significantly reduced. * **Adaptation to international regulations:** These solutions are configured to comply with data protection regulations and financial regulations in force. The integration of these technologies in mobility platforms enables not only a more efficient and secure management of registration and contracting processes, but also improves the overall user experience by offering agile and reliable services. ## **Dealerships and automotive: trending opportunities to watch** For dealers, keeping up with industry trends and developments is critical to surviving and thriving in an increasingly competitive market. Some key points to keep in mind are: ### **Technology adoption and digitization** * **Digital transformation:** Investment in digital tools, CRM, e-commerce and data analysis is essential to capture the attention of the modern shopper. * **Omni-channel integration:** The union of online and offline channels allows to offer an integrated shopping experience, improving customer satisfaction. ### **Innovation in customer service** * **Personalized service:** The use of artificial intelligence to anticipate needs and offer tailored services translates into greater loyalty. * **Improved user experiences:** The implementation of apps and digital solutions that facilitate appointment management, vehicle demonstration and after-sales is a clear competitive advantage. In short, dealers must focus on innovation, digitalization and sustainability to avoid being left behind in a sector that is evolving by leaps and bounds. ## **Facts and figures to watch regarding electronic signatures for dealers and MaaS** The implementation of electronic signature and KYC verification solutions has enabled dealers and the automotive sector in general to obtain accurate data and figures on registrations and other key market indicators. Highlights include: ### **Increased operating efficiency** The digitalization of processes by means of electronic signatures has significantly reduced management times. This translates into: * **Faster enrollment processes:** Automation and systems integration mean that contract issuance and data validation are completed in minutes, speeding up the sales and after-sales process. * **Incident reduction:** By reducing manual intervention, documentation errors are reduced and incident management is optimized. ### **2\. Real-time data for decision making** The electronic signature generates a complete traceability of each transaction, allowing companies to obtain real-time information on: * **Conversion rates and sales closure:** Dealers can analyze the performance of their digital sales processes and detect areas for improvement. * **Registration figures:** Thanks to the integration of systems, it is possible to have up-to-date data on the evolution of the new and used vehicle market, which helps to forecast trends and adjust commercial strategies. * **Customer feedback:** Digitization facilitates the collection of opinions and comments, making it possible to adjust service offerings according to consumer demands and expectations. ### **3\. Impact on the mobility sector** In the field of mobility, the data collected through electronic signature and KYC verification systems allow: * **Route optimization and fleet management:** Mobility platforms can use this data to analyze usage patterns, identify areas of high demand and optimize vehicle distribution. * **Measuring efficiency in carsharing and motosharing:** With accurate data, performance indicators such as utilization rate, idle times and user satisfaction can be measured. * **Growth projections: Real-time** and historical data analysis allows companies to forecast growth in the mobility sector and adjust their investments accordingly. Ultimately, the integration of e-signature and KYC solutions not only improves the efficiency and security of processes, but also provides a solid foundation of data that helps make strategic decisions to further drive the automotive and mobility sector forward. --- ## RootedCON: Trends in IT Security, Cybersecurity and RegTech **URL:** https://www.tecalis.com/blog/rootedcon-rooted-con-what-is-cybersecurity-computer-security-it-conference-congress-hackers **Descripción:** RootedCON is the largest cybersecurity, technology and IT security conference and congress in Europe. The digital world is constantly evolving and, with it, **cybersecurity and regulatory technology (RegTech)** have emerged as strategic axes to ensure **protection and regulatory compliance in companies and institutions**. In this context, **RootedCON** is positioned as one of the **benchmark events** in the field of **IT security**, bringing together **experts, ethical hackers, academics and top professionals** to analyze and discuss the latest trends, disruptive technologies and challenges in cybersecurity and RegTech. This article discusses in depth what RootedCON is, who is behind this important congress and its conferences, the **news and trends in cybersecurity** and, in particular, the RegTech technologies that are revolutionizing the way organizations protect their information and comply with current regulations. ## **About RootedCON: What is the IT security conference?** **RootedCON is the leading cybersecurity conference** in the Spanish-speaking world and one of the **main meeting points in Europe** for professionals in the sector. Born with the purpose of promoting the exchange of knowledge among members of the **cybersecurity and** [**anti-fraud**](https://www.tecalis.com/es/productos/controles-anti-fraude) community, RootedCON has established itself throughout its editions as a **neutral and collaborative space** where critical issues are discussed and innovative research is presented. Since its first edition, [**RootedCON**](https://www.rootedcon.com/) has stood out for its ability to adapt to new trends and challenges in digital security. With **more than 15 editions** held, the conference has evolved in terms of scope, quality of content and diversity of speakers. In each edition, the event not only brings together experts in **ethical hacking, digital forensics and cyberintelligence, but also incorporates training sessions - such as Bootcamps and RootedLabs** \- that allow attendees to delve deeper into specific technical areas. The main objective of RootedCON is to promote the exchange of experiences and knowledge, creating an environment in which both established professionals and young talents can **learn, discuss and collaborate**. Among its goals are: * **Disseminate the latest research:** Presentation of new techniques, methodologies and success stories in cybersecurity. * **Specialized training:** Through workshops, bootcamps and technical talks, we promote the development of advanced skills in the sector. * **Connect the community:** Create a network of contacts between professionals, companies and institutions, strengthening the cybersecurity ecosystem. * **Promoting innovation and digital resilience:** Knowing and adopting new technologies to prevent, detect and respond to constantly evolving threats. What really sets RootedCON apart is its inclusive and collaborative nature. The event is structured in multiple thematic tracks ranging from **forensics and cyber intelligence to the implementation of disruptive technologies such as artificial intelligence applied to security and solutions such as** [**advanced identity verification**](https://www.tecalis.com/es/productos/verificacion-identidad). Each track, organized in collaboration with specialized communities and associations, ensures that the most relevant and current topics are addressed, allowing attendees to take away practical ideas and tools to implement in their organizations. ## **About Rooted: Organizer of the largest security and technology conference** **Rooted** is the entity behind RootedCON, and has established itself as one of the most important organizers in the field of computer security in Spain and Latin America. With extensive experience in organizing events and **promoting cybersecurity initiatives**, Rooted has been able to adapt to the dynamics of the sector and the demands of an increasingly demanding and specialized public. Rooted began as an **initiative to promote knowledge, new projects and solutions and training in cybersecurity**, bringing together experts and amateurs in a collaborative and learning environment. Over time, the organization has expanded its scope and has become an international benchmark, organizing editions not only in Spain, but also in other countries, such as Portugal and Panama. This expansion has allowed Rooted to consolidate a global network of contacts and contribute to the dissemination of best practices in digital security in different regions. 1. **Neutrality and openness:** The event is held in a neutral setting where politics, economics or any other particular interest are put on the back burner to give way to technical and professional discussion. 2. **Constant innovation:** Rooted is committed to the inclusion of innovative content and the use of new technologies that allow attendees to learn first-hand about the most advanced tools and methodologies in the sector. 3. **Collaboration and community:** Fostering cooperation between the different players in the cybersecurity ecosystem, from experts and companies to public institutions, is essential to meet the current challenges of an increasingly complex digital world. In addition to the organization of the main congress, Rooted is in charge of coordinating complementary training activities, such as: * **Bootcamps and RootedLabs:** Intensive training days that address specific cybersecurity topics, providing participants with the opportunity to improve their technical skills in a practical and collaborative environment. * **HackerNight:** A nightly challenge in which ethical hacking professionals and enthusiasts face off in competitions to discover vulnerabilities and improve system defenses. **Workshops and technical talks:** Sessions where success stories, new technologies and innovative methodologies are presented, enriching the training offer of the event. ## **News and trends in cybersecurity** Cybersecurity is a constantly changing field, where **threats evolve rapidly and attackers adapt to new technologies with** [**intentity thetft**](https://www.tecalis.com/blog/identity-theft-bank-crime-usurpation-penalty-digital-types-what-is-risk-internet-theft-accounts-spoofing) **attempts**. RootedCON is positioned at the forefront of these trends, offering a comprehensive view of the most current challenges and solutions. The following is a look at some of the developments and trends shaping the cybersecurity landscape today. ### **The rise of artificial intelligence applied to security** Artificial intelligence (AI) and machine learning have become essential tools for detecting, preventing and mitigating cyber threats. Among the most prominent applications are: * **Predictive analytics:** AI algorithms make it possible to analyze large volumes of data in real time to identify anomalous patterns that could indicate the presence of an attack. This predictive capability is crucial to anticipate incidents before they cause significant damage. * **Detection of suspicious behavior:** Using machine learning, security systems can establish a normal behavioral profile and, if deviations are detected, issue automatic alerts so that possible intrusions can be investigated. * **Incident response automation:** The integration of AI-based solutions facilitates the orchestration and automation of cyber-attack responses, which reduces reaction time and minimizes the impact of incidents. ### **Emerging regulations and standards** The regulatory environment in cybersecurity is also constantly evolving. Some of the regulations and standards that are shaping the future of the sector are: * [**NIS2 Directive**](https://www.tecalis.com/blog/nis2-nis-2-directive-cibersecurity-approval-compliance-requirements-measures-sri2-regulations)**:** This regulation, which seeks to improve cybersecurity in the public and private sector, obliges companies to adopt stricter security measures and to carry out regular audits. * **Compliance with international standards:** The adoption of regulations such as ISO/IEC 27001 and the implementation of risk management frameworks are increasingly common in organizations wishing to ensure the integrity of their systems. * **Data protection and privacy:** Growing privacy concerns have driven the implementation of regulations such as the GDPR, which requires companies not only to protect personal data, but also to demonstrate credibly that they comply with all legal requirements. In this context, the ability to adapt quickly to new regulations and implement advanced technological solutions is essential to maintain competitiveness and resilience in the digital world. ### **Cyber intelligence and threat management** The field of cyber intelligence has established itself as a key discipline for risk analysis and mitigation. Some of the most relevant trends include: * **Integration of diverse information sources:** Today's cyber intelligence draws from multiple sources, from network traffic data to social network information and global threat or [**AML**](https://www.tecalis.com/blog/aml-anti-money-laundering) databases. This integration enables a holistic view of the threat environment. * **Collaboration between companies and government agencies:** With cyber-attacks on the rise, collaboration between the private sector and government agencies is essential to share information and develop coordinated responses thanks to [**GovTech.**](https://www.tecalis.com/blog/govtech-governments-public-administration-technology-startups) * **Threat hunting strategies:** Cybersecurity teams are adopting proactive threat hunting methodologies to identify and neutralize vulnerabilities before they are exploited. ### **New attack vectors in a hyperconnected world** The expansion of the Internet of Things (IoT) and increasing digitization have opened up new attack vectors that challenge traditional defense capabilities. Current challenges include: * **Vulnerable IoT devices:** With billions of connected devices, the security of these devices has become a weak point. Attackers exploit vulnerabilities in poorly protected devices to form botnets or access corporate networks. * **Attacks on critical infrastructure:** Critical infrastructures, such as power grids, transportation systems and water utilities, are increasingly vulnerable to cyber attacks, putting national security and social stability at risk. * **Exploiting vulnerabilities in mobile and cloud applications:** The migration to cloud-based services and the massive use of mobile applications have created new opportunities for cybercriminals. Protecting these environments requires specialized solutions that integrate multiple layers of security. ## **RegTech technologies to boost IT security** The RegTech block is, along with cybersecurity trends, one of the most important axes on which efforts are being concentrated to digitally transform the security of companies. RegTech technologies are designed to **facilitate regulatory compliance, reduce costs and increase efficiency in the detection and prevention of all types of** [**crypto fraud**](https://www.tecalis.com/blog/fraud-crypto-currency-cryptos-types-kyc-mica-aml-markets), for example. Below, we take a closer look at the main technological solutions that are driving this change. ### **Advanced electronic signature and digital identity verification** The [**electronic signature**](https://www.tecalis.com/products/electronic-signature) has become an essential tool in today's digital environment, allowing the formalization of contracts and agreements quickly, securely and without the need for physical presence. Among the features and advantages are the following: * **Legal validity and security:** advanced electronic signature solutions in accordance with **Regulation (EU) No. 910/2014 (eIDAS)** offer a high level of security and legal recognition throughout the European Union. This ensures that electronically signed documents have the same validity as a handwritten signature. * **Integration with onboarding processes:** In the onboarding process, the electronic signature is integrated with other verification mechanisms, such as [**eKYC**](https://www.tecalis.com/es/blog/ekyc-electronic-know-your-customer), allowing companies to validate the identity of their customers in a matter of seconds. * **Cost and time reduction:** By digitizing document signatures, companies eliminate the use of paper and significantly reduce management time, which translates into greater operational efficiency. * **Compatibility and scalability:** eSignature platforms can be easily integrated into existing enterprise systems, adapting to both mobile applications and web environments, enabling scalable deployment across multiple industries. Leading RegTech companies have developed solutions that combine electronic signatures with automated identity verification processes. These tools not only ensure that the signer's identity is authentic, but also integrate biometrics and digital forensic analysis techniques to detect any fraud attempt. ### **Identity verification and biometrics** **Digital identity verification** is another fundamental component within the RegTech ecosystem. This process relies on various technologies that allow confirming a user's identity remotely and with high accuracy. Some of the most outstanding solutions are: * [**Face recognition**](https://www.tecalis.com/blog/face-recognition)**:** Using artificial intelligence algorithms, verification platforms compare the image captured in a selfie with the photograph contained in an identity document. This ensures that the person performing the verification is the same person who appears on the document, drastically reducing the risk of impersonation. * **Biometric verification:** In addition to facial recognition, other forms of biometrics are used, such as fingerprint scanning, voice recognition or even handwriting dynamics. These technologies have been refined to the point of offering levels of accuracy comparable to traditional methods, but with the advantage of being able to be performed remotely. * **Liveness tests:** To avoid the use of prerecorded photos or videos, verification systems incorporate **liveness** detection techniques. These tests ask the user to perform specific gestures - such as blinking, smiling or shaking their head - to ensure that the person is real and present at the time of verification. * **Integration of databases and checklists:** Identity verification is also enriched by cross-checking the information provided with official databases and watch lists, which helps to identify individuals who may be linked to illicit or high-risk activities. These solutions are used in a variety of industries, but find a particularly critical application in financial services, where identity verification is essential to comply with KYC and AML regulations. Adoption of these technologies enables banks and fintechs to streamline the customer onboarding process, improve the user experience and reduce fraud ### **KYC and regulatory compliance processes (Know Your Customer)** The **KYC (Know Your Customer)** process is a cornerstone in the fight against fraud, money laundering and other illicit activities. RegTech solutions have revolutionized this process, allowing companies to perform comprehensive checks in an automated and real-time manner. Key features and benefits include: * **Automation of the** [**onboarding process**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **and registration :** Through the use of artificial intelligence and machine learning, KYC systems can analyze and validate customer information - such as identity documents, proof of address and personal data - in a matter of seconds. * **Reduced human error:** Automation significantly reduces the possibility of errors, which improves process reliability and reduces the costs associated with manual handling. * **Continuous risk assessment:** Modern KYC solutions are not limited to initial verification; they integrate continuous monitoring systems to detect changes in the customer profile and anticipate possible fraudulent activities. * **Simplified compliance:** With the increasing complexity of international regulations (such as AML, GDPR and NIS2), having a RegTech solution that centralizes and automates the verification process is indispensable. These platforms allow companies to keep up to date with legal requirements, avoiding fines and penalties. Integrating KYC processes with electronic signature and biometric verification systems creates a robust security chain that protects both the company and the customer. By digitizing and automating these processes, a seamless user experience is achieved without sacrificing security and compliance. ### **Other key technologies in the RegTech ecosystem** In addition to the aforementioned solutions, there are other technologies that are transforming the way companies manage compliance and digital security: * **Blockchain:** Blockchain technology offers a high degree of immutability and transparency, making it ideal for recording transactions and validating the integrity of documents and data. In RegTech, blockchain is used to create secure and auditable digital records, facilitating verification and traceability processes. * **Big Data and predictive analytics:** The ability to process and analyze large volumes of data in real time allows companies to anticipate risks and detect suspicious behavior patterns. Big data algorithms combined with artificial intelligence improve fraud prediction and prevention capabilities. * **Cloud computing: Cloud-based** solutions offer scalability, flexibility and reduced infrastructure costs, allowing companies to implement RegTech technologies quickly and efficiently. In addition, they facilitate the integration of different systems and access to real-time data from anywhere in the world. * **APIs and SDKs:** Application integration through programming interfaces (APIs) and development kits (SDKs) enables identity verification and e-signature solutions to be seamlessly integrated into existing enterprise systems. This interoperability is key to extending the functionality of onboarding processes and improving the user experience. ### **Global benefits of adopting RegTech technologies** The adoption of RegTech solutions has a profound impact on the digital transformation of companies. Some of the most prominent benefits include: * **Optimization of internal processes:** Digitization and automation of regulatory processes allow companies to reduce management time, reduce operating costs and improve overall efficiency. * **Improved customer experience:** By offering fast, secure and frictionless processes, companies can significantly improve customer satisfaction, resulting in increased loyalty and competitiveness in the marketplace. * **Increased security and resilience:** RegTech solutions offer multiple layers of security, from biometric verification to early threat detection, strengthening the company's digital infrastructure and protecting it against cyber attacks. * **Guaranteed regulatory compliance:** With increasingly stringent international regulations, having systems in place to ensure compliance with legal requirements is essential to avoid sanctions and maintain the company's reputation. * **Adaptability and scalability:** RegTech technologies allow organizations to quickly adapt to changes in the regulatory environment and new market challenges, guaranteeing a long-term solution that adapts to business growth and evolution. RootedCON has established itself as an essential event in the cybersecurity and regulatory technology landscape. Through its editions, this congress not only brings together experts and professionals in digital security, but also drives innovation in critical areas such as **identity verification, electronic signatures and the implementation of RegTech solutions**. In an increasingly digital and connected world, where cyber threats are evolving along with technology, combining cybersecurity trends with RegTech solutions is critical to ensure protection and compliance. **Electronic signature, identity verification and biometrics technologies, along with automated KYC/AML processes and predictive analytics**, are transforming the way companies protect their assets and manage their risks. The integration of these technologies not only optimizes internal processes and improves the user experience, but also strengthens overall security, facilitating the adoption of measures **to proactively detect and mitigate threats**. --- ## Verify bank account: business tools and how to associate number and holder **URL:** https://www.tecalis.com/blog/verify-bank-account-number-bank-scrapping-reading **Descripción:** To verify a bank account, its number and extract a score, it is necessary to know how RegTech tools for companies perform these processes. Bank account verification is a **crucial** step **in the process of customer identification and validation and digital onboarding for companies in various industries**. This process ensures the authenticity of the banking information provided and is **essential to comply with Know Your Customer (KYC), Business Verification (KYB) and Anti-Money Laundering (AML) regulations**. In addition, integrating it allows **bank scrapping and reading**, building automated customer scores that allow to enable in seconds customer registrations and **product activation or pre-approval of certain types of service**. Establishing a single flow of **identity verification, KYC/KYB/AML controls, risk and bank score verification and electronic signature of the contract is now possible thanks to the new RegTech technologies**. The financial management,**operations risk assessment** and regulatory compliance of any company handling relevant transactions can be automated. In this content, we will explore in detail how to verify a bank account, **the tools available to companies** and the relevant regulations, such as PSD3 and SCA. ## **Why do you need to verify a bank account?** Bank account verification serves **multiple purposes** that are vital for security and regulatory compliance. In many cases, companies need to **confirm that the person or company has a bank account for direct debit, that it belongs to them and that they are who they say they are.** This **applies to customers, suppliers**, partners or any operation that requires **due diligence** processes: * **Fraud prevention**: Verifying the bank account helps prevent financial fraud by ensuring that the account belongs to the person or entity that provided it. This step is essential to avoid fraudulent transactions that can harm both the company and its customers. * **Regulatory compliance**: [**KYC**](https://www.tecalis.com/blog/know-your-client-kyc)**, KYB and AML** regulations require companies to verify the identity of their customers and the authenticity of their bank accounts, as well as other rules of industry regulators. Failure to comply with these regulations can result in severe penalties and reputational damage. * **Financial security and viability of the operation**: Guarantees that financial transactions are carried out securely and that the funds reach the correct recipient. In many cases, it is often necessary to make a connection with the bank to **obtain risk scores or finscores to evaluate the viability of granting a loan, a mortgage or an insurance offer**. This is particularly important to avoid costly mistakes and potential loss of money. * **Customer Confidence**: Provides an additional level of trust and confidence to customers, assuring them that their data is protected and transactions are secure. A rigorous verification process can improve the perception of the company and foster long-term relationships with customers. ### **Verify bank account number and account holder** Bank account verification is an essential process **to ensure the authenticity of transactions and comply with financial regulations**. This process not only helps prevent fraud, but also ensures that companies and customers operate within the established legal framework. In an environment where digital transactions are increasingly common, **bank account verification has become more sophisticated and technological**.  Here is a detailed guide on how to verify a bank account, including a variety of methods that combine traditional techniques and advanced technologies. **Verifying the bank account number and account holder involves confirming that the account is active and belongs to the individual or company claiming to be the owner, as well as confirming a certain number of recent transactions in certain cases**. This process can include several methods, such as: * **Test Transfers**: Make a small test transfer that must be confirmed by the account holder. This method is common and effective, as it allows verification of the account's ability to receive funds. * **Official documentation processing**: Request official documents such as **bank statements, certificates of title or letters from the bank**. These documents provide tangible proof of the relationship between the account holder and the account and are **validated and processed by RegTech players' KYC/KYB document processing and OCR tools** in an automated way. **Electronic Verification Services**: Use electronic services that **connect to bank databases to verify information in real time**. These services can provide instant verification and reduce the risk of human error. ## **How to verify a bank account** The process for verifying a bank account may **vary depending on the technology and services used**. The following are the most common steps: 1. **Data Collection via DB and KYC forms**: Collect the customer's banking information, including account number, account holder name, and bank. This information is the basis for all subsequent steps and must be collected accurately. 2. **Information Validation**: Use validation tools to check the accuracy of the data provided. This stage may include verification of account number formats and bank validation. 3. **Verification of Ownership**: Confirm that the name of the owner matches the name registered with the bank. This can be done by data comparison or by using automated verification services. 4. **Confirmation of Active Account**: Ensure that the account is active and able to receive and send funds. This may include making a test transfer or receiving confirmation from the bank. **Audit and Record Keeping**: Maintain a record of verification for audit and compliance purposes. This record is essential to demonstrate compliance and may be required in regulatory audits or inspections. Bank account verification can be carried out using a variety of methods, each with its own advantages and disadvantages. **From traditional techniques such as test transfers and official documentation review, to advanced technological solutions provided by** [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) **companies, the options are wide and diversified**. Below, we will explore these methods in detail, highlighting how they can be combined to ensure thorough and secure verification, aligned with industry best practices and regulatory requirements. #### **1\. Test Transfers**: This method involves making a small test transfer to the client's bank account, which must be confirmed by the account holder. **Advantages**: * **Simplicity**: Easy to implement and understand for both the company and the customer. * **Effectiveness**: Confirms that the account is active and that the customer has access to it. **Disadvantages**: * **Time**: It may take several days, depending on the bank and country. * **Costs**: Even if the transaction is minimal, multiple transfers can accumulate costs of various types. * **Operating complications**: Betting on this system means setting up too many integrations that complicate operation and lengthen verification times. #### **2\. Official Documentation:** Request official documents from the bank, such as bank statements or verification letters confirming the ownership of the account. **Advantages**: * **Reliability**: Official documents provide tangible and reliable verification. * **Wide Acceptance**: This method is widely accepted by regulators and auditors. * **Automated by software such as Tecalis**: Thanks to Tecalis Identity's second-generation IA-OCR technology, the processing and validation of this type of document is simple and 100% automated. **Disadvantages**: * **Time**: Document retrieval and review can be time-consuming for human reviewers, so automated solutions such as Tecalis are available. * **Counterfeit Risk**: There is a possibility of documents being forged, although this can be mitigated with additional checks and tools such as Tecalis, which are totally foolproof against fraud. #### **3\. Integrated Banking APIs in** [**Tecalis KYC Onboarding**](https://www.tecalis.com/products/identity-verification): Use banking APIs to connect directly with banks and verify account information in real time. **Advantages**: * **Speed**: Instant verification in real time. * **Accuracy**: Reduction of human errors by using automated systems. * **Increased information gathering**: Enables new use cases and risk scoring. **Disadvantages**: * **Technical Integration**: Requires technical integration with banking systems, something that Tecalis can do with great simplicity. #### **4\. Bank Scrapping or Reading:** Bank scrapping involves the use of software to extract data directly from the web interfaces of [**banks and FinTechs**](https://www.tecalis.com/industries/financial-services). **Advantages**: * **Automation**: Minimizes human intervention, speeding up the process. * **Accuracy**: Data is extracted directly from the source, reducing the risk of errors. #### **5\. Electronic Verification with RegTech systems:** Use electronic verification services provided by RegTech companies, such as Tecalis, which connect to databases and banking systems to verify information in real time. **Advantages**: * **Efficiency**: Fast and automated process. * **Regulatory Compliance**: RegTech solutions are designed to comply with KYC, KYB and AML regulations. **Disadvantages**: * **Technology Dependency**: Requires a robust technology infrastructure. This is now solved thanks to Tecalis SaaS models. By relying on **advanced and scalable technologies**, companies can ensure the authenticity of their customers' bank accounts in an efficient and secure manner. Choosing the right method will depend on several factors, including the company's risk level, budget and technology infrastructure. With the continued advancement of RegTech technologies and the implementation of stringent regulations such as PSD3 and SCA, the bank verification process will continue to evolve, providing increasingly secure and effective solutions. ## **RegTech tools to verify bank accounts** RegTech technology has transformed the way companies perform bank account verification, providing **faster, cheaper, more accurate and secure solutions**. Some of the most widely used tools include: * **Banking APIs**: Allow direct integration with banks to verify data in real time. These APIs can access the customer's banking information with their consent, providing instant verification. * **Artificial Intelligence (AI)**: Uses advanced algorithms to analyze and verify banking data. AI can identify patterns and anomalies that could indicate fraud or data errors. * **Blockchain**: Provides a secure and transparent way to record and verify transactions. Blockchain technology can be used to ensure data integrity and provide a clear and traceable audit trail of all transactions. * **Bank Scrapping/Reading Software**: Extracts data from banking websites to validate information. This software can automate data collection and provide fast and accurate verification. ### **Account verification in digital onboarding KYC, KYB, and AML** Bank account verification is an **essential part of** [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **in KYC, KYB and AML processes**. These procedures ensure that companies comply with financial regulations and protect against fraudulent activities. **Digital onboarding has evolved significantly in recent years**, integrating advanced technologies to improve the accuracy and efficiency of the discharge process. Their integration and operation provides companies with different capabilities in these processes: 1. **Information Collection**: During the onboarding process, detailed customer information is collected, including personal and bank details. This information is used to perform initial verifications. 2. **Identity Verification**: Using technologies such as biometric verification and artificial intelligence, companies can confirm customer identity. This can include comparing identity documents with selfies in real time. 3. **Bank Account Verification**: The bank information provided by the customer is verified using banking APIs, test transfers or electronic verification services. This step ensures that the account belongs to the customer and is active. 4. **Risk Assessment**: The data collected is analyzed to assess the risk associated with the customer. This may include review of transaction history, financial behavior and other relevant metrics. 5. **Regulatory Compliance**: A comprehensive check is performed to ensure compliance with KYC, KYB and AML regulations. This includes review of sanctions lists, PEPs (Politically Exposed Persons) and other relevant databases. 6. **Digital contracting and** [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **for instant registration**: In industries such as **telecommunications, BFSI** (Banking, Financial Services and Insurance) or **utilities**, the contract signature can be integrated after KYC identity verification and bank scraping to**, for example, pre-grant mortgages or microcredits instantly** or register a phone number directly and have the customer complete the process with their SIM or eSIM activated instantly. 7. **Approval and Ongoing Monitoring**: Once the customer has been verified and approved, ongoing monitoring systems are implemented to detect any suspicious activity. This includes real-time transaction surveillance and periodic updating of customer information. ## **How open banking helps verify accounts** Open banking is a system that **allows banks to share customer financial data with third parties through secure APIs, with the customer's consent**. This system has been implemented in many regions to foster competition and innovation in the financial sector. Its most important aspects are: 1. **Transparency and Control**: Open banking gives customers more control over their financial data, allowing them to decide who can access their information and how it is used. 2. **Competition and Innovation**: Allowing third parties to access banking data fosters competition and innovation in the financial sector. Fintech companies can develop new products and services that benefit consumers. 3. **Security and Privacy**: Although data is more widely shared, open banking relies on secure APIs and explicit customer consent, ensuring that data is handled securely. 4. **Improved Customer Experience**: Customers can benefit from more personalized and efficient financial services, such as better loan options, financial management tools and faster payment services. ## **PSD3 and SCA in bank account verification** The **Payment Services Directive 3 (PSD3) and the SCA** are European standards that seek to **improve security and transparency in electronic payments and bank account verification**. PSD3 sets standards for payment authentication and customer data protection, while SCA requires stronger authentication, such as two-factor authentication, to verify transactions and bank accounts. [**PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance) aims to strengthen the security of electronic payments, increase transparency and promote innovation in payment services. It applies to all payment service providers within the EU. It sets strict requirements for data and transaction security, including strong customer authentication (SCA) and fraud protection. 1. **Transparency and Consumer Protection**: The directive requires greater transparency in the rates and conditions of payment services, ensuring that consumers are well informed. 2. **Data Access**: PSD3 facilitates third-party access to banking data with customer consent, promoting open banking and competition in the sector. [**SCA (Strong Customer Authentication)**](https://www.tecalis.com/blog/sca-strong-customer-authentication) is a set of authentication requirements that ensure that electronic transactions are initiated and approved by the legitimate customer, in addition to enabling customer login to open banking platforms. Its purpose is to reduce fraud and increase payment security. ## **Tecalis: Bank scrapping and automated reading** Tecalis offers advanced solutions for bank account verification and digital onboarding. Its **bank scraping and automated reading tools allow to extract and analyze bank data in an efficient, legal and secure way**. These solutions are designed to be **easily integrated into corporate systems**, providing fast and accurate verification that complies with KYC, [**KYB**](https://www.tecalis.com/blog/kyb-know-your-business) and AML regulations. Using the right tools and technologies not only ensures that companies comply with regulations, but also **protect their customers and improve operational efficiency by saving costs and processing time to a minimum (instant in many cases)**. With the advancement of technology and the implementation of regulations such as PSD3 and SCA, the bank verification process will continue to evolve, providing even more secure and efficient solutions for all involved. ### **Bank Scrapping** Bank scrapping is a technique that allows to **extract and analyze data from banking websites in an automated way**. This technique is used to verify banking information quickly and accurately and to **create customer scores according to defined parameters and the operation to be performed**. Among its many advantages, we highlight: * **Automation**: Reduces the need for manual intervention, which speeds up the verification process. * **Accuracy**: Minimizes the risk of human error by extracting and processing data directly from the source. * **Compliance**: Ensures that data is obtained and handled in accordance with privacy and security regulations. ### **Bank Reading**  Automated bank reading uses technologies such as OCR (Optical Character Recognition) and AI to read and process financial documents. This tool is especially useful for **verifying bank statements and other official documents, invoices and more**. Its benefits help companies save costs and enable new use cases: * **Efficiency**: Processes large volumes of documents in a short time, which speeds up onboarding. * **Accuracy**: **AI** technology ensures that data is extracted with high accuracy, reducing the risk of errors. * **Integration**: It can be easily integrated into companies' systems, providing a complete solution for digital onboarding. ### **Digital Onboarding Integration** 1. **Simplified Process**: Tecalis tools are integrated into the digital onboarding workflow, providing fast and secure verification of banking data. 2. **Regulatory Compliance**: These tools are designed to comply with KYC, KYB and AML regulations, ensuring that companies maintain high standards of security and compliance. 3. **Customer Experience**: By reducing the time and complexity of the verification process, the customer experience is improved, making it smoother and more satisfying. In summary, companies must adopt a comprehensive, technology-driven approach to bank account verification or [**automated notarization and power of attorney verification**](https://www.tecalis.com/blog/notarization-power-of-attorney-verification-validation-what-is-powers-meaning-banking-example-documents), using the latest RegTech tools and complying with the most stringent regulations to ensure trust and security in all transactions. --- ## What is handwritten signature: differences with digital sign and how to create one **URL:** https://www.tecalis.com/blog/handwritten-signature-generator-how-to-create-maker **Descripción:** Handwritten signature is a method of personal authentication to confirm and agree that can now be digital. The **handwritten signature** is an element of **authentication and acceptance** that has accompanied mankind for centuries. In the digital era, the **transformation of this traditional process to electronic formats** has generated debate and opportunities.  In this article, we will explore in depth what a handwritten signature is, its characteristics and differences compared to the digital handwritten signature. In addition, we will discuss its **legal validity, uses, applications**, advantages and disadvantages, and **how to incorporate a handwritten signature in your documents through** [**electronic signature applications**](https://www.tecalis.com/products/electronic-signature). ## **What is a handwritten signature** The **handwritten signature** is the **graphic and personal representation of a person** when **expressing consent or approval on a document**. It is **handwritten, usually on paper**, and is the **traditional means of authenticating agreements**, contracts, wills and other legal documents. It is a **unique and personalized graphic trace (graph)** that a person uses to authenticate documents, express consent or **assume responsibilities among several parties**. Its value lies in its individuality: **each signature reflects distinctive characteristics of its author, such as pressure, inclination or speed when writing**, something that the [**biometric advanced electronic signature**](https://www.tecalis.com/es/blog/firma-biometrica-que-es-avanzada-electronica-digital-usos) uses. ### **Characteristics of handwritten signatures** Handwritten signatures have a number of defining characteristics: * **Unique and personal:** Each signature is unique and reflects traits unique to the individual's handwriting. These features may include the slant of the letters, the pressure of the stroke and other individual details. * **Not easily replicated:** Although forgery techniques exist, complexity and natural variability make it difficult to reproduce a signature accurately. * **Historical and legal validity:** The handwritten signature has been accepted for centuries in the legal field as proof of consent and authenticity. * **Requires physical presence:** Traditionally, signatures are made on paper documents, which implies the need to be physically present to validate the document. This **traditional method has been the basis of security in legal acts, but in the digital era, the need to speed up processes and globalization** have driven the evolution towards methods such as [**e-signatures**](https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending) without sacrificing legal validity. ## **Digital handwritten signature: how it works** The **digital handwritten signature** is the **transformation of the traditional process into an electronic format**. This type of signature is used to **authenticate documents in digital format**, combining elements of the traditional signature with **encryption, time stamping and verification** technologies. Below we see how a digital handwritten signature is generated: 1. **Signature capture:** Using devices such as graphic tablets, **smartphones** or even by using a **mouse** on a computer, the image of the handwritten signature is captured. This process allows the **signature** to be **digitized without losing the unique characteristics of handwriting**. 2. **Processing and storage:** Once captured, the image is processed to improve resolution and converted into a digital file (e.g. PNG or JPG format). Some advanced solutions include the creation of a **cryptographic hash that links the signature to the document**. 3. **Integration in documents:** The [**digital signature can be inserted into PDF documents**](https://www.tecalis.com/blog/how-to-sign-pdf-digitally-electronically-signature-electronic-digital-document-signing-word-iphone) **or other digital formats**. Thanks to editing tools, the size and position of the signature in the document can be adjusted. 4. **Verification and security:** Electronic signature platforms use encryption and authentication methods to guarantee that the signature has not been altered. This ensures that the digital handwritten signature complies with legal standards. This evolution has allowed **administrative, legal and contracting processes to be more agile**, without losing the rigor and reliability required today. In addition, the integration of digital signature systems has enhanced the possibility of **creating handwritten signatures digitally**, securely and quickly. ## **Legal validity of handwritten signatures** One of the main doubts that arise when talking about handwritten signatures is their **legal validity**. Both the traditional handwritten signature and its digital version have **legal backing, as long as certain requirements and specific regulations are met** in each jurisdiction. In general terms, a handwritten signature is considered valid if it meets the following criteria: * **Consent and authenticity:** The person signing must do so consciously and voluntarily. * **Document integrity:** The signed document must not have been altered after signature. **Identification of the signer:** It must be possible to link the signature to the person who signed it, which in the case of handwritten documents may require additional witnesses or identification documents. This is done by [**QTSP**](https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas) companies. ### **Digitized handwritten signature: also legally valid** The **digitized handwritten signature** is obtained by creating a handwritten signature with official digital means. Although in appearance it is similar to the traditional signature, its use in digital documents can generate certain controversies if it is not accompanied by adequate security mechanisms. For a digitized handwritten signature to be legally valid, it is important that complementary measures are integrated: * **Digital certification:** Digital certificates are often used to guarantee the authenticity of the document and the identity of the signatory. * **Metadata and time stamps:** These elements allow tracking the date and time of the signature, which is crucial to verify that the document has not been tampered with. * **Integration in** [**electronic signature**](https://www.tecalis.com/products/electronic-signature) **platforms:** By using specialized electronic signature services, security layers are added to certify that the signature is unique and corresponds to the original signer. In many countries, current legislation recognizes the legal validity of digitized handwritten signatures, as long as they comply with established regulations such as [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services). This allows companies and individuals to carry out transactions and agreements digitally, without losing the trust and security offered by the traditional method. ## **Uses and applications of digital handwritten signature** The digital handwritten signature has become an essential tool in many areas, **from business to personal**. Its versatility and the **reduction of time and costs in processes** of all kinds make it ideal for various applications: * **Contracting and commercial agreements:** Companies use digital signatures to streamline the signing of contracts and agreements, eliminating the need to print, sign and scan documents in industries such as [**banking**](https://www.tecalis.com/industries/banking-financial-services-fintech) **along with KYC, telecommunications, energy, etc.** * **Legal documentation:** The validity of the digital signature allows legal documents, such as powers of attorney or lease contracts, to be signed electronically without losing legal rigor. * **Administrative procedures:** From filing tax returns to applying for public services, digital signatures facilitate interaction with government agencies. * **Education and training:** In educational institutions, digital signatures are used to authorize enrollment in courses, signing of certificates or acceptance of internal policies. * **Healthcare and medical services:** Signature digitization enables clinics and hospitals to manage treatment authorization and informed consent signatures quickly and securely. This tool not only simplifies processes, but also contributes to the **reduction of paper use**, in line with sustainability and administrative efficiency policies. ## **How to add a handwritten signature to a document with your e-signature application** Incorporating your handwritten signature in digital documents is a simple process that, by following a few basic steps, guarantees the authenticity and legality of your documents. Below is a step-by-step guide: 1. **Select an electronic signature application:**There are numerous platforms on the market, such as **Tecalis Sign**. Research and **select the one that best suits your needs**, considering factors such as security, compatibility and ease of use. 2. **Register and set up your account:**Once you have chosen the platform, proceed to create your account. During the registration process, you may be asked to verify your identity via **email**. 3. **Configure security levels:**Most e-signature applications offer additional options, such as integration of **digital certificates, time stamps and two-factor authentication**. Configure these options to ensure maximum document security. 4. **Upload the document, adjust the signature field and send:****Select the document in which you want to incorporate** the signature. Use the editing tools to place the signature in the correct position, adjusting the size and orientation as needed. 5. **Create or capture your handwritten signature:****Draw your signature on screen**. Use the signature tool integrated in the application to draw your signature directly on the device (tablet, smartphone or touchscreen computer). 6. **Check and confirm the signature:**Before finalizing the process, **review the document** to ensure that the signature is correctly positioned and that no other elements of the document have been altered. Once satisfied, proceed to confirm the signature. 7. **Store and distribute the signed document:**After signing, **save a copy of the document in PDF format or in the format of your choice**. **Many platforms offer cloud storage**, making it easy to access and distribute the signed document to the parties involved. 8. **Verify authenticity in future queries:**In case the validity of the document needs to be checked, make sure that the file contains **metadata and security seals** attesting to its authenticity. This is especially important in commercial transactions and legal proceedings. ## **Integration of handwritten signatures in business and legal environments** The digital transformation has driven the integration of handwritten signatures in the internal processes of organizations and in the relationship with customers and suppliers. Let's see how this integration manifests itself: ### **In the business sector** * **Recruitment and human resources:**Digital handwritten signatures are used for signing employment contracts, confidentiality agreements and onboarding forms. This streamlines document management and allows crucial processes to be performed remotely. * **Purchasing and sales processes:**Validation of purchase orders and commercial agreements through digital signatures facilitates faster and more secure transactions. In addition, the automation of these processes reduces the possibility of administrative errors. **Internal document management:**Companies that handle large volumes of documents can choose to store files in digital format with integrated signatures, simplifying internal audits and verification of official documents. ### **In the legal field** * **Notarial acts and wills:**The digital handwritten signature, being backed by certificates and time stamps, is used to formalize notarial acts and other legal documents. This reduces the need for physical presence and speeds up bureaucratic processes. * **Administrative procedures:**From the signing of forms to the approval of resolutions, the use of digital signatures in the public and private sector guarantees the authenticity and integrity of documents, complying with current legal regulations. ### **Implications for handwritten signatures and electronic signatures** The integration of handwritten signatures in electronic applications has generated a debate about their relationship with traditional electronic signatures. While the electronic signature is based on digital data and authentication methods, the digital handwritten signature provides a visual and personal component. Both can coexist and complement each other, offering a hybrid solution that reinforces security and trust in documents. ## **Technical and regulatory aspects** The validity and security of digital handwritten signatures are supported by various international and national regulations. Among them, the following stand out: * **eIDAS Regulation in the European Union:**This regulation establishes the requirements for electronic signatures to **be legally valid in all member countries**. It includes provisions on digital certificates, authentication and time stamps, ensuring that both digitalized handwritten signatures and electronic signatures are secure and recognized. * **Local regulations:**Many countries have adapted their laws to recognize the validity of digital signatures. It is essential that companies and professionals keep up to date with the current legislation in their jurisdiction to ensure that their digital processes comply with all legal regulations. * **Security standards: **Digital signature platforms use **encryption, authentication and auditing protocols that ensure the integrity of the signed document**. These standards allow, in case of dispute, to prove the authenticity and the exact moment in which the signature was made. ### **Advantages and disadvantages** Like any technology, digital handwritten signatures have advantages and disadvantages that are worth knowing: #### **Advantages** * **Agility and efficiency:** Digitization eliminates intermediate steps, allowing documents to be signed in a matter of minutes, which is especially valuable in business environments. * **Cost reduction:** By eliminating the need to print and file paper documents, operating costs are reduced and storage space is optimized. * **Security:** Digital signature solutions employ encryption and authentication techniques that minimize the risk of forgery and tampering. * **Accessibility: Allows** people located in different parts of the world to sign documents remotely, facilitating remote work and the globalization of processes. * **Sustainability:** By reducing the use of paper, a more ecological and environmentally responsible management is promoted. #### **Inconveniences** * **Technological dependence:** Requires adequate devices and Internet connections for its implementation, which may represent a barrier in environments with limited resources. * **Learning curve:** Some platforms may present an initial learning curve for users unfamiliar with digital tools. * **Cloud security:** Although the platforms usually guarantee high security standards, the centralization of information in digital servers always entails a potential risk of cyber-attacks. **Cultural acceptance:** In certain areas or regions, the traditional handwritten signature is still perceived as more "authentic", which may generate resistance to the change to digital. --- ## Interactive Kiosk: models, types, uses, customization, multimedia and more **URL:** https://www.tecalis.com/blog/interactive-kiosk-multimedia-kiosks-personalized-tpv-signage **Descripción:** An interactive kiosk is a multimedia device with a multitude of uses, of different types and with functionalities such as POS, printer, screen, etc. In an **increasingly digitized and competitive world**, **interactive kiosks** have become key tools for **transforming the user experience** and **enhancing sales, personalization and customer empowerment** in a variety of industries.  From **point-of-sale customer service** to **end-to-end multimedia signage solutions**, these devices offer **endless possibilities.**  In this article we will explore in depth what an **interactive kiosk** is, its types and features, use cases in various industries, how they are integrated into digital signage, **customization** options and key aspects to consider when acquiring a **multimedia interactive kiosk** or a **customized interactive kiosk with POS**. ## **What is an Interactive Kiosk** An **interactive kiosk** is a **stand-alone digital terminal** that integrates **specialized hardware and software** to deliver **personalized self-service, multimedia, management and communication experiences**.  These devices, which are typically equipped with **touch screens and cameras**, allow users to access **information, conduct transactions, interact** with multimedia content and manage a variety of tasks **without the need for** direct **assistance** from staff. The defining characteristic of interactive kiosks is "interactivity". Unlike passive digital signage, an **interactive kiosk** invites the user to actively participate. Through touch, and in some cases voice or gestures, users can **navigate menus, search for information, complete forms, make purchases, print and** [**sign documents**](https://www.tecalis.com/blog/how-to-sign-pdf-digitally-electronically-signature-electronic-digital-document-signing-word-iphone)**, obtain tickets, register for events, access services, and much more**. On the other hand, in addition to the name interactive kiosk, we can also find them as **[digital kiosk](https://www.tecalis.com/blog/kiosk-digital-kiosks-multimedia-models-personalized-digital), [self service kiosk](https://www.tecalis.com/blog/self-service-kiosk-models-uses-features-auto-sales-adaptable), electronic kiosk or [multimedia kiosk](https://www.tecalis.com/blog/kiosks-auto-service-interactive-fintech-revolution-banking-2025-fintech-trends)**. These names are simply synonymous terms, but they refer to the same type of device. ### **Key components of interactive kiosks:** 1. **Hardware:** Includes the screen (usually touchscreen), the internal computer (CPU, memory, storage), the protective casing (designed for durability and security, often vandal-resistant), and **various peripherals depending on the function** (printers, scanners, card readers, cameras, etc.). 2. **Software:** Comprises the operating system (such as Windows, Android or Linux), the kiosk-specific application that defines the interface and functionalities, and often **remote management** software that allows kiosks to be monitored, updated and maintained from a central location. 3. **User Interface (UI):** Designed to be **simple, clear and easy** to use by people with different levels of technological skills. A **good UI is crucial** for kiosk adoption and success. The **main objective** of an **interactive multimedia** kiosk is to **optimize processes, save costs**, offer convenience (**24/7 availability**), **reduce waiting times**, **free staff for higher** value-added **tasks**, collect valuable data on user behavior and **improve overall customer/user satisfaction and POS KPIs.** ### **Main features of digital and electronic kiosks** * **Intuitive interface:** Thanks to their touch screens and user-friendly software, the **interactive kiosks** are designed so that any user, regardless of their technological level, can interact with ease. * **Self-service:** They allow the customer to perform operations autonomously, reducing waiting times and optimizing customer service. * **Data collection:** These devices can integrate analytics systems that collect data on user behavior, which is vital for fine-tuning marketing strategies and improving customer experience. * **Versatility:** They adapt to multiple applications, from SIM card issuance to access control at events, making them indispensable in various industries. Technological evolution has allowed **interactive multimedia kiosks** to integrate advanced functionalities such as **cloud connectivity, electronic payment support and full customization options**, making them powerful tools for both digital marketing and operational management. ## **Interactive kiosk types and key features** The universe of **interactive kiosks** is diverse, with **models designed to suit different environments, functions and budgets**. Understanding the main types and technical features is critical to choosing the right solution. ### **Classification by physical format:** 1. **Freestanding Kiosks (Totem or Pedestal Type):** Freestanding units, often large and visually striking. Ideal for high traffic areas such as hotel lobbies, shopping malls, airports or trade shows. They offer a large branding surface and can accommodate a wide range of peripherals. 2. **Wall-Mounted Kiosks: Wall-mounted kiosks** are mounted directly on the wall, saving floor space. They are an excellent choice for hallways, waiting areas or environments where space is limited. They are usually more compact than freestanding models. 3. **Countertop Kiosks:** Smaller units designed to be placed on counters or desks. Perfect for point-of-sale, reception counters or any place where fast and direct interaction is required in a small space. 4. **Outdoor Kiosks:** Built to withstand adverse environmental conditions: rain, dust, extreme temperatures and direct sunlight. They have sealed enclosures (IP rating), internal climate control systems and high brightness screens visible under the sun. ### **Self-service kiosks for ordering, contracting and payments** These devices are used in restaurants, **phone stores**, fast food stores and supermarkets to allow customers to place orders, customize their selection and pay autonomously. Features include: * **High-definition touchscreens:** Facilitating menu viewing and customization options. * **Integration with payment systems:** With NFC readers, PINpads and POS terminals integrated into the interactive kiosk to process credit cards, debit cards or even mobile payments. * **Ticket printing:** Some models include thermal printers for immediate issuance of payment vouchers or coupons. ### **Information kiosks and consultation points** Located in shopping malls, museums, **airports** or corporate buildings, these kiosks offer relevant and up-to-date information to the user. Their advantages include: * **Interactive maps and directories:** Allow users to locate services, outlets, stores or events. * **Multimedia content:** Ability to show videos, presentations or advertisements in a dynamic way. * **Remote updating:** Through a network connection, content can be updated in real time to reflect changes in schedules, promotions or services. ### **Electronic kiosks for shift and check-in management** Commonly installed in airports, **hospitals, hotels, care centers and** government **offices**, these kiosks allow: * **Self-check-in:** Users can check-in, print boarding passes or manage turns without direct intervention. * **Reduced queuing:** By automating the process, efficiency is improved and waiting times are minimized. * **Integration with databases:** To send information to central systems and update the status of each user in real time. ### **Digital kiosks for access control** Used in **events, concerts and corporate buildings**, these devices incorporate advanced technologies such as facial or voice recognition with [**access control**](https://www.tecalis.com/blog/access-control-accessing-controller-controls-system-security-systems-facilities) for: * [**Identity verification**](https://www.tecalis.com/blog/identity-verification-kyc-aml)**:** They allow secure and fast access through biometrics. * **Attendance management:** Facilitates check-in and check-out, ensuring an accurate record of visitors or employees. **Integration with security systems:** With connection to the cloud and automatic alerts for incidents, improving the security of the premises. ### **Multimedia and signage kiosks** These **interactive multimedia kiosks** combine information and advertising functions, and are used for: * **Interactive advertising:** These allow brands to display dynamic and personalized ads that capture the user's attention. * **Digital signage:** They are integrated in urban or indoor environments to provide real-time information, such as news, weather, or promotions. * **Immersive experiences:** With high-quality video and audio capabilities, they offer a sensory experience that enhances advertising impact. Each of these models can be adapted according to the needs of the business, so it is essential to consider the purpose of the kiosk when choosing the right hardware and software. **Use of interactive kiosks in various industries** The versatility of **interactive kiosks** allows them to adapt and add value in virtually any industry. Their ability to **automate tasks, provide instant information and enhance the customer experience** makes them a transformative tool. Below, we explore some specific use cases: ### **Telecommunications: Issuance of activated SIM cards** In the [**telecommunications**](https://www.tecalis.com/industries/telecommunications) sector, **interactive and digital kiosks** are used for the immediate **issuance of SIM cards.** Imagine being at an **airport, in a phone store or even at one of an** operator'**s business partners.** With just a few taps on the kiosk, the user can: * Select the desired plan and SIM card. * Make payment through electronic methods. * Receive the activated SIM card instantly, no need to wait in a long queue. This solution not only streamlines the process, but also enhances the customer experience by offering a fast and modern service. ### **Banking and FinTech: Credit and debit cards, wallet cards and debit cards** For **retail, shopping malls, airports** and [**financial services or banking establishments**](https://www.tecalis.com/industries/banking-financial-services-fintech), **digital kiosks** act as an **auxiliary point of sale and a great complement to the ATM**. They function **similarly to an ATM, but with the advantage of being more versatile and affordable**. These kiosks allow: * The issuance of purse cards for customers in shopping malls. * To serve as support in bank branches or ATMs. * Facilitate simple and secure transactions, reducing the operational burden on staff and improving efficiency. By integrating hardware such as card readers and ticket printing systems, these devices become key allies in managing sales and financial operations. ### **Tourism: Book a room and get the key. Full virtual reception** In the [**tourism industry**](https://www.tecalis.com/industries/tourism-leisure-hospitality-hotels-activity-horeca) **and hospitality** , **electronic kiosks** offer online check-in solutions that enable guests to check in: * Pre-register remotely. Arrive at the hotel and pick up your documents, key or even your access card without waiting in line. * Automate the check-in process, reducing the need for front desk staff and speeding up the check-in process. This technology integrates with hotel management systems and can send the required information to authorities or internal services, ensuring a seamless and modern experience for guests. ### **Rent a vehicle and take out insurance: solutions for leasing and sharing** In the field of vehicle **leasing and sharing**, as well as in various applications in the [**mobility and transport**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing) industry, **interactive kiosks** have become an indispensable tool. They enable users: * Consult the available fleet and choose the desired vehicle. * To carry out insurance contracting in an integrated manner. * Configure additional options and manage the rental process without direct intermediation. This solution is particularly useful in dealerships or rental outlets, where speed and ease of use are essential for customer satisfaction. **About signage and how to use multimedia kiosk** **Interactive multimedia kiosks** are not only used for transactions or consultations, but also play a crucial role in **digital signage**. These devices can function as **information and communication points in public and private spaces**. Some of their applications in digital signage include: * **Interactive advertising:** Kiosks can display dynamic and personalized ads, which are updated in real time according to advertising campaigns and promotions. * **Information at strategic points:** In shopping malls, airports, museums and hospitals, they act as consultation points to guide the user, offer interactive maps and display relevant content. * **Integration with social networks and analytics systems:** They allow direct user interaction, collecting data on traffic and preferences, which translates into more effective campaigns and personalized messages. * **Remote control and updating:** By connecting to the cloud, the content displayed on these kiosks is automatically updated, ensuring that the information is always up to date. The integration of robust hardware with specialized software, such as digital signage platforms, makes these multimedia kiosks essential elements for visual communication in the business environment. ## **Full customization of an interactive kiosk** One of the great attractions of **interactive kiosks** is their capacity for customization, which allows them to be adapted to the needs and image of each company. Among the customization options, the following stand out: ### **Hardware customization** * **Design and structure:** The kiosks can be manufactured in different sizes and formats (free-standing, wall-mounted or tabletop). The structure can be made in materials such as steel, aluminum or even wood, and can be adapted to the safety and aesthetic requirements of the business. * **Colors and finishes:** It is possible to choose colors from the RAL range and apply customized vinyls with logos, images or corporate designs, ensuring the consistency of the company's visual identity. * **Peripheral integration:** Depending on the function of the kiosk, various electronic components such as NFC readers, barcode readers, cameras, presence sensors, pinpads and, of course, ticket printers can be incorporated. The latter is essential in those **interactive kiosks customized with POS**, where it is required to issue transaction receipts immediately. ### **Software customization** The software that accompanies interactive kiosks is as crucial as the hardware, as it is responsible for transforming a physical device into a powerful self-service and communication tool.  Leading companies, such as Tecalis, have developed comprehensive solutions that not only facilitate the daily operation of the kiosk, but also optimize data management, integration with corporate systems and remote content updating. The following are two of their most innovative proposals: **Kiosk Cloud** and **Customer Hub**. #### **Kiosk Cloud: Remote Management and Total Control** Tecalis includes in its interactive kiosks a pre-installed software called **Kiosk Cloud**. This solution offers a robust and scalable platform that allows: * **Comprehensive Management:** With Kiosk Cloud, it is possible to remotely control all aspects of the device. From updating the operating system and drivers to configuring interfaces and peripherals, everything is managed through a centralized platform. * **API integration:** The solution includes a complete API that enables connection with other enterprise systems and applications. This allows customizing workflows and adapting the kiosk to specific business needs. * **Monitoring and Alerts:** Thanks to cloud connectivity, real-time notifications and alerts on device status are received, facilitating proactive maintenance and ensuring service continuity. * **Automatic Updates:** The platform allows software updates to be applied without physical intervention, ensuring that the kiosk always runs with the latest upgrades and security patches. With **Kiosk Cloud**, companies can reduce downtime and ensure that their kiosks always reflect up-to-date and personalized information, which is critical to delivering an optimal user experience. #### **Customer Hub: Omnichannel Platform for Commercial Management** Complementing the hardware and remote management with Kiosk Cloud, Tecalis offers its [**Customer Hub**](https://www.tecalis.com/products/customer-hub-sales), a solution aimed at enhancing customer interaction and improving commercial management. Its main features include: * **Customer Relationship Management (CRM/BSS/OSS):** Customer Hub integrates CRM functionalities, allowing to store and manage the information of customers interacting with the kiosk, facilitating the tracking and analysis of user behavior. * **Sales and Activation Control:** The platform allows sales teams to manage transactions and activate services in real time, seamlessly integrating with kiosks to close sales and issue tickets or vouchers immediately. * **Omnichannel optimization:** Customer Hub enables the integration of multiple sales and customer service channels, offering a consistent user experience both on physical devices (kiosks) and online platforms. This helps to increase conversions and improve loyalty. **Best Interactive POS Kiosks** The integration of a **POS (Point of Sale Terminal)** system in [**interactive kiosks**](https://tecalis.com/products/kiosk-terminal-interactive-identity-self-service-atm-pos) has revolutionized the way of managing sales and transactions in stores, restaurants and other establishments. Some of the aspects that define the best models of digital kiosks with POS are: ### **Integrated functionalities** * **High-resolution touch screens:** They allow a clear visualization of information and facilitate direct user interaction. * **Integrated payment systems:** With the inclusion of **NFC readers, pinpads and credit/debit card terminals, Redsys validation**, kiosks can process payments securely and efficiently. The combination of these features makes **interactive POS kiosks** an essential tool for modernizing retail management and improving operational efficiency in multiple sectors. ## **What to consider when purchasing a digital or multimedia kiosk** Before investing in an **interactive multimedia kiosk**, it is essential to evaluate several aspects that will ensure the success of the implementation. Here are some key criteria: ### **1\. Define purpose and functionality** * **Purpose of the kiosk:** Determines whether the device will be used for self-service, point-of-information, interactive advertising or transactions. This will influence the type of hardware and software required. * **Integration with existing systems:** Make sure the kiosk can integrate with management, inventory or CRM systems already implemented in the company. ### **2\. Hardware quality and robustness** * **Durability:** Especially important in high traffic or outdoor environments, where the device will be exposed to adverse conditions. * **Touch screen quality:** A high-resolution, multi-touch screen enhances user experience and operational efficiency. * **Peripheral compatibility:** Verify that the kiosk allows the integration of additional components, such as printers, card readers and cameras, according to the needs of the business. ### **3\. Flexibility and customization** * **Custom design:** The ability to customize both the exterior design and the software interface is crucial to align the kiosk with the brand image. * **Upgrade and maintenance:** Evaluate whether the vendor offers support, remote upgrades and periodic maintenance to ensure continuity of service. ### **4\. Security, accessibility and connectivity** * **Data security:** The kiosk must comply with security regulations, ensuring the protection of user information and transactions. * **Connectivity:** Ensure that the device has WiFi, Ethernet and, in some cases, Bluetooth connections to facilitate integration with other systems. ### **5\. Return on Investment (ROI)** * **Initial cost and maintenance:** Consider not only the initial investment, but also the costs of maintenance, upgrades and customization. * **Efficiency impact:** A well-implemented kiosk can reduce waiting times, increase sales and improve customer satisfaction, which positively impacts ROI. ### **6\. Technical support, RegTech solutions and training** * **After-sales support:** It is essential to have a supplier that offers ongoing technical support, staff training and performance guarantees. * **Ease of use:** For both end users and maintenance personnel, the ease of use and configuration of the kiosk is a decisive factor. --- ## Lease agreements: how to draw up and sign them with electronic signature **URL:** https://www.tecalis.com/blog/lease-agreements-contract-template-digital-signature-real-state **Descripción:** A lease agreement is a contract that is drafted and signed digitally for homes or properties. Discover models, templates and tools. In an increasingly digital world, the formalization of **lease agreements** has been modernized thanks to **electronic signature tools**. This development not only facilitates the management and storage of documents, but also provides **legal certainty and efficiency for both landlords and tenants**.  In this article, we will explore in detail **what a lease agreement is, its models and characteristics, the keys to draft it with legal validity** and the best practices for its **digital signature**. In addition, we will delve into the **advantages offered by** [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) **for real estate companies and individuals**, with emphasis on automation and document management. ## **What is a lease agreement in detail** A **lease agreement** is a **legal contract** in which one of the parties, known as the **lessor**, assigns to another, the **lessee**, the **use and enjoyment of a real estate or property** (whether housing, commercial premises, any other real estate, vehicles or objects) in exchange for a periodic economic consideration. This document is **essential to regulate the relationship between both parties and prevent future conflicts**. Also known as leases, **lease agreements** are formal and legally binding elements. They are described in the civil codes of most countries and **must be signed by both parties with a set of rules**.   This document is vital and is **renewed as established in its content and clauses because it establishes in writing the rights and obligations** of both parties, providing legal certainty and a clear frame of reference throughout the term of the agreement, which can be extended (something that **can be automated with electronic signature and document management tools**). ### **Lease agreement templates** There are various **models of lease agreements** that are adapted to the needs of each situation. Among them, the following can be distinguished: * **Residential lease**: This is the most commonly used model for residential leases. It establishes specific clauses to guarantee the security of the tenant and the protection of the property. * **Commercial Premises Lease**: Here, the terms and conditions are tailored to the commercial and business needs. It usually includes clauses on the operation of the business, subleases and remodeling. **Seasonal or tourist lease**: Aimed at short-term rentals, where temporality and flexibility in terms are essential. * **Simple Rental Agreement Template**: Ideal for situations where a clear and concise document is required, without too many clauses that complicate the process. This template is highly demanded by those looking for efficiency and transparency. Each model must be adapted to the current legal context, incorporating clauses that ensure compliance with the obligations and rights of both parties. The versatility of **the lease agreement models** allows each agreement to be customized according to the characteristics of the property and the needs of the users. ### **Characteristics of a lease agreement** A well-drafted **lease agreement** should include several essential features: * **Identification of the parties**: Complete data of the lessor and the lessee must be included, ensuring the veracity of the information. * **Detailed description of the property**: Location, physical characteristics and any other information that allows to unequivocally identify the property that is the object of the agreement. * **Duration of the agreement**: The period during which the contract will be in force is established, which may include renewal or early termination clauses. * **Rent and method of payment**: The amount of rent, the frequency of payments and the accepted methods of payment are specified. * **Obligations and rights**: The responsibilities of each party regarding maintenance, repairs and use of the property are defined. * **Termination clauses and penalties**: The conditions under which the agreement may be terminated and penalties in case of breach are established. * **Applicable law and regulations**: The agreement must be governed by current legislation, which provides legal certainty and reference in the event of disputes. This structure ensures that the **housing lease agreement** or any other type of contract is complete, clear and adaptable to different situations, generating confidence in both landlords and tenants. Professionals in the [**real estate industry**](https://www.tecalis.com/industries/real-estate-proptech) **work with these types of contracts and agreements on a daily basis and can do it faster, safer and cheaper with electronic signature solutions**. ## **How to draw up a legally valid rental agreement** **Drafting a legally valid rental agreement** requires compliance with a number of **basic rules and attention to technical and legal details**. The following are the key aspects that must be taken into account: 1. **Review of current regulations**: Before drafting the agreement, it is imperative to review local/national laws and regulations governing the leasing of real estate. This ensures that the contract complies with all legal requirements and avoids future legal issues. 2. **Identification and verification of the parties**: It is necessary to accurately include the personal and, if applicable, corporate data of the lessor and the lessee. Identity verification can be reinforced through the use of digital validation tools. 3. **Thorough description of the property**: Detail the exact location, physical characteristics, distribution, state of conservation and any other particularity of the property. This description is key to avoid misunderstandings and future claims. 4. **Clear establishment of the economic conditions**: The monthly rent, the form and frequency of payment, as well as any periodic adjustments or revisions should be indicated. Also include penalties for late payment and procedures in case of non-payment. 5. **Maintenance and repair clauses**: It is essential to determine who is responsible for repairs and maintenance, differentiating between natural wear and tear of the property and damage caused by misuse. 6. **Use of electronic signature tools with AI writer of lease agreements**: Currently, there are platforms that not only facilitate electronic signatures, but also integrate artificial intelligence modules **capable of generating customized contracts**. These tools allow: * **Generate a draft agreement**: Based on the information provided, artificial intelligence suggests standard and customized clauses, adapting to current legislation and the user's specific needs. * **Verify legal validity**: The tool performs a legal compliance analysis, ensuring that all clauses comply with regulations. * **Optimize the drafting and signing process**: Once the draft is reviewed, it is digitally signed, which guarantees the integrity of the document and its authenticity. The combination of proper drafting and the use of [**PropTech**](https://www.tecalis.com/blog/proptech-property-technology-which-is-real-estate-management-retech-sector-industry) **e-signature** tools ensures that the **lease agrement for housing** or other property not only complies with the law, but is also managed in an agile and secure manner. ## **Best tools to create and sign your housing lease agreements** In the current context, **electronic signature tools** have revolutionized the way in which **lease agreements** are managed both by individuals between themselves and between real estate companies and tenants. These platforms offer multiple advantages:  * **Creation from scratch**: They allow the preparation of the agreement using pre-designed templates and customizable layouts that adapt to the different rental contract models. The integrated artificial intelligence can suggest modifications and additional clauses that provide greater legal certainty. * **Sending and signing process**: Once the document is generated, the platform facilitates sending it to the tenants for review and digital signature. The process is agile, avoiding travel and the need to print documents. * **Secure and centralized storage**: All agreements are stored in a secure digital repository, facilitating future reference and retrieval. * **Automation and follow-up**: Advanced platforms offer automation modules that allow scheduling maturities, renewing agreements and sending reminders to the parties involved. Tools such as [**Tecalis Sign**](https://www.tecalis.com/case-studies/as-real-estate-lease-digital-signature-re-agreements-contracts) offer **full regulatory support in the signing of lease agreements of all types in addition to being simple and convenient**. To do so with this tool, the process would be as follows: 1. **Document upload**: The user uploads the template or the drafted contract to the platform. 2. **Personalization**: The specific data of the lessor, lessee, and the particular conditions of the property are adjusted. 3. **Automatic generation**: Artificial intelligence analyzes the contract and suggests improvements or additional clauses to optimize its legal validity. 4. **Sending for signature**: Once validated, the document is sent to the parties for digital signature through a secure link. 5. **Monitoring and notifications**: The platform sends automatic notices about expirations, renewals and any changes in contract conditions. These functionalities make electronic signature platforms the best option to manage **lease agreements** in a comprehensive manner, guaranteeing efficiency, security and regulatory compliance. ## **Electronic signature for real estate and real estate: easy and automated lease agreements** The [**real estate industry and real estate**](https://www.tecalis.com/blog/real-state-use-cases-digital-tools-proptech) itself benefit greatly from the digitization of their processes. **Electronic signatures** not only simplify the creation and signing of lease agreements, but **also offer a comprehensive solution for document management.** The keys for real estate agencies and other businesses in the industry to be able to adapt to current regulations and customer expectations make it **essential to digitize the process of signing lease agreements**. Here we explain how and what it brings: * **Expiration scheduling**: The system sends automatic alerts and notifications prior to the expiration of a contract, which facilitates the management of renewals and the prevention of non-compliance situations. * **Updating and tracking changes**: Each modification to the contract is recorded and notified to the parties, ensuring that all updates are transparent and properly documented. * **Security and authenticity**: The digital signature guarantees that the document has not been altered, offering a high level of legal certainty. * **Integration with management systems**: Many platforms allow integration with ERP or CRM systems, facilitating the management of all contracts and documents in one place. * **Accessibility and centralization**: Storing agreements in the cloud allows both real estate companies and real estate agents to have immediate access to information, improving communication and decision making. These features make electronic signature platforms that offer automation modules, such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature), an indispensable tool for the industry, improving efficiency and reducing the risk of errors or fraud. ## **Duration of a lease agreement: renewals and changes** The **duration of a lease** is a crucial aspect that must be clearly addressed to avoid future conflicts. **Lease agreements** usually establish a fixed period, which **may vary according to the type of property and the agreement between the parties**. However, it is essential to **include clauses regulating renewals, extensions and possible modifications** during the term of the contract. ### **Basic aspects of duration** * **Fixed-term vs. open-ended** lease: Most residential leases are set for a fixed term, usually one to three years. **This should be done when drafting your lease before signing.** However, in some cases, indefinite agreements can be established, in which the termination conditions are clearly stipulated. * **Renewal clauses**: It is advisable to include a clause that allows the automatic renewal of the agreements or, failing that, to establish the procedure for the extension request. **This can be automated thanks to digital signature tools.** This avoids uncertainties and ensures the continuity of the contractual relationship. * **Rent review**: During the term of the lease, it may be necessary to update the amount of the rent based on inflation or other economic factors. This revision must be contemplated in a specific clause, clearly defining the methodology for the calculation. In case you want to increase the rent without having previously established a clause in the initial agreement, **an additional document must be signed informing of the increase** (e.g. CPI), something that you can automate with applications such as Tecalis Sign. ## **Tips and aspects you should not forget** Successful **rental agreement** management depends not only on the drafting and digital signature, but also on taking into account a series of aspects that optimize the process. Here are a few key tips: 1. [**Verification of the identity**](https://www.tecalis.com/blog/identity-verification-kyc-aml) **of the parties**: Before initiating any procedure, it is essential to corroborate the identity of landlords and tenants. This can be done through the **use of digital verification tools integrated in some electronic signature platforms**. 2. **Periodic updating of the agreement**: The legal and economic environment may change, so it is important to review and update the clauses of the contract periodically to keep it in line with current regulations and market conditions. 3. **Use of customizable templates and layouts**: Take advantage of **simple rental agreement templates** and predefined models, which can be adjusted to suit the particularities of each agreement. This streamlines the drafting process and ensures uniformity in the documents. 4. **Integration with management systems**: Especially for real estate and real estate companies, it is advisable to use platforms that integrate with other document management and CRM systems, facilitating the tracking and administration of all contracts. These tips will help you optimize the process of drafting and managing your **leases**, ensuring that they are robust, efficient and fully compliant with current regulations. ## **How to sign free and legally binding rental agreements between individuals** The possibility of **signing agreements with digital signature** has democratized access to a secure and legal process, even for individuals who do not wish to incur additional costs. **Thanks to RegTech platforms such as Tecalis it is possible to perform the signing process at no cost and in a completely legal way.** ### **Process for digital signature between individuals** 1. [**Platform access**](https://account.tecalis.com/): Users register on an electronic signature platform. **Tecalis Sign** offers a free version that includes basic functionalities for the creation and signing of documents. 2. **Uploading or creating and customizing the agreement**: Once inside, the user can upload the document or use a **simple rental contract template** already predefined **by Tecalis' AlisGPT**. The tool allows editing and adjusting the specific data of each party and of the property. 3. **Automatic review and validation**: Integrated artificial intelligence reviews the content of the agreement, offering suggestions for improvement and ensuring that all legal regulations are complied with. 4. **Sending the signature**: The agreement is sent to the other party via a secure link, allowing both parties to sign the document electronically. 5. **Confirmation and storage**: Once signed, a digital certificate is generated that guarantees the authenticity and integrity of the document. This contract is securely stored in the cloud, accessible at any time for both parties. This process is not only **fast and efficient**, but also **provides the legal security** necessary for the **digital signature** to have the same validity as a [**handwritten signature**](https://www.tecalis.com/blog/handwritten-signature-generator-how-to-create-maker) on paper. Digital transformation has revolutionized the way **rental agreements** are **managed**. The possibility of **drafting, sending and signing these contracts through electronic signature platforms not only speeds up the process**, but also provides a series of advantages in terms of **legality, efficiency and document control**. --- ## MiCA regulations and the future of crypto trading: details, what's new and how to adapt **URL:** https://www.tecalis.com/blog/law-mica-regulation-future-crypto-trading **Descripción:** How the MiCA regulation will affect the crypto trading market in Europe, boosting transparency, protecting investors and fostering innovation in the crypto market. The recent entry into force of the **MiCA regulation (Markets in Crypto-Assets Regulation)** in the European Union marks a turning point in the crypto market. This regulation, which **establishes a comprehensive regulatory framework for cryptoassets**, seeks to **protect investors, guarantee market integrity and encourage innovation** in a sector that until now operated in a regulatory gray zone. With its entry into force in 2024, MiCA will affect exchanges, stablecoin issuers, custody providers and other key players. In this article, we will explore in depth the **main changes introduced by MiCA**, the impact it will have on the crypto market, emerging trends and technological solutions that will facilitate its implementation. ## **Main changes of the MiCA regulation** [**MiCA**](https://www.tecalis.com/blog/mica-law-regulation-european-markets-crypto-assets-stablecoins-tokens) regulation is considered the **first comprehensive regulation on cryptoassets in the European Union**. Among the most prominent changes are: ### **Classification and definition of cryptoassets** According to the MiCA regulation, **a broad and unified definition of cryptoassets** is **established**. Cryptoassets are classified into **three broad categories**: * **Asset-Related Tokens (ART)**These are cryptoassets designed to **stabilize their value by referencing it to one or more underlying assets**, such as **official currencies, commodities or even a basket of assets**. A clear example is **stablecoins** that are backed by multiple currencies or assets. * **Electronic Money Tokens (EMT)**These tokens are structured to **maintain a 1:1 relationship with an official currency**, functioning as a digital form of fiat money. They are expected to perform similar functions to traditional electronic money. * **Other cryptoassets **This category encompasses those assets that **do not fall into the previous two classifications**, including cryptocurrencies such as **Bitcoin or Ethereum, and utility tokens** that allow access to products or services offered by the issuer. ### **Transparency requirements and whitepaper publication** One of the pillars of the MiCA is the **improvement of market transparency**. Issuers of cryptoassets will be required to publish an **informative document, known as a** **_whitepaper_**, containing: * Detailed description of the project and the issuer. * Characteristics and functionalities of the cryptoasset. * Risks inherent to the investment in the asset. * Investor protection mechanisms. This obligation will not only inform the public, but will also **serve as a monitoring tool for the regulatory authorities**, allowing for **more effective** market **supervision.** ### **Authorization and licensing for crypto service providers** **Cryptoasset service providers (CASPs) must obtain a license** from the competent authority in their home country in **order to operate in the EU**. This includes: * Exchanges and trading platforms. * Custody providers and digital wallets. * Cryptoasset advisory firms. The authorization process involves meeting rigorous requirements for solvency, risk management, [**anti-money laundering (AML)**](https://www.tecalis.com/blog/aml-anti-money-laundering) **policies** and **cybersecurity systems**. This regulatory framework will facilitate the entry of institutional players into the crypto market and **increase investor confidence** ### **Supervision and sanctions** The MiCA regulation **grants the competent authorities**, such as the Comisión Nacional del Mercado de Valores (CNMV) in Spain, **broad supervisory and inspection powers**. Among the control measures are the following: * The obligation to **report periodically on the financial** and operating **situation** of issuers and suppliers. * The **establishment of a regime of sanctions** for those who fail to comply with the regulations, including significant fines and the suspension or revocation of licenses. * **Coordination between European authorities** (e.g. ESMA, EBA and the European Central Bank) to ensure uniform supervision across the EU. ### **Inverter protection** MiCA regulation introduces **specific measures for investor protection**, including: * **Mandatory disclosure requirements to** ensure that investors are fully aware of the associated risks. * Establishment of **mechanisms for the management and resolution of conflicts of interest**. * **Rules that prevent market manipulation**, **insider trading and** [**reduce the risk of fraud**](https://www.tecalis.com/blog/fraud-crypto-currency-cryptos-types-kyc-mica-aml-markets), contributing to a fairer and more transparent trading environment. ## **Trends in the crypto market** The **growth of decentralized finance (DeFi)** continues to drive the crypto market, as platforms that offer financial services without intermediaries gain greater trust by meeting transparency and security standards. This favors the **adoption of layer two solutions, which improve scalability and speed up transactions**.  Another important trend is the **tokenization of traditional assets**, which **allows assets such as real estate, stocks or commodities to be represented in the form of digital tokens**. This practice **facilitates access to illiquid markets** by allowing the trading of fractions of assets, **reducing costs and time** by eliminating intermediaries and optimizing portfolio diversification. Likewise, the **growth and consolidation of stablecoins** is reinforced by strict reserve and transparency requirements, which **generates greater trust among users and investors** and facilitates their use in everyday payments. In parallel, the integration of emerging technologies **such as artificial intelligence, Big Data and** [**advanced identity verification systems**](https://www.tecalis.com/industries/banking-financial-services-fintech) is enabling improved risk management and regulatory compliance, thus driving a safer and more innovative crypto ecosystem. ## **Impact of MiCA regulation and the new trends in the crypto market** The implementation of the MiCA **will radically transform the cryptoasset environment in Europe**, with repercussions that will extend globally. Below, we list the most significant effects on the market: ### **1\. Increased confidence and investment** With clear and unified regulation, both individual and institutional investors will find it **safer to operate in the crypto market**. **Mandatory transparency and supervision** of participating entities **will allow**: * **Greater confidence**Knowing that **companies must meet strict standards of solvency and transparency**, investors will feel more protected against fraud and manipulation. * **Increased institutional investment ****Banks and large financial institutions**, which until now were cautious in the absence of regulation, **will be able to view the crypto market as an attractive opportunity**. This will drive the adoption of new financial products based on cryptoassets. ### **2\. Consolidation and professionalization of the sector** The **need to obtain licenses and comply with strict regulations** will mean that only the most serious and solvent players will be able to operate in the market. This will entail: * **Elimination of unprofessional players****The number of companies operating without proper supervision will be reduced**, which will reduce the risk of fraud and sudden bankruptcies. * **Increased professionalization**Entities that meet the new requirements will be prompted to invest in **advanced technologies**, **staff training and risk management systems**, raising the overall level of the market. * **European passport **Once authorized, **companies will be able to operate in all EU member states** without the need for additional licenses, facilitating international expansion and competitiveness. ### **3\. Challenges for startups and SMEs** While regulation brings benefits in terms of security and professionalization, it also **poses significant challenges, especially for startups and SMEs** operating in the crypto arena. Among these challenges are: * **Compliance costs****Adapting to new regulatory standards** requires significant investments in infrastructure, legal counsel and technology. This can be an **obstacle for small companies** that lack the necessary resources. * **Barriers to entry**The **licensing process can be complex and slow**, which could **limit the entry of new competitors** and favor large established players. * **Innovation versus regulation **There is a risk that excessive regulatory rigidity will stifle the creativity and rapid innovation that characterizes the crypto sector. **It is** therefore **essential that regulation evolves and adapts to new technologies** without sacrificing investor protection. ## **Technological solutions for the implementation of the MiCA regulation** The adoption of the **MiCA implies significant operational challenges** for companies participating in the crypto ecosystem. To adapt to these new regulatory requirements, technological solutions will be essential. Below are some of the **tools that will facilitate implementation and regulatory compliance**: ### **Automation of compliance processes** The complexity and breadth of MiCA regulatory requirements force companies to [**automate as many processes as possible**](https://www.tecalis.com/products/rpa-automation). Some key solutions include: * **Compliance management software**These platforms help **monitor, manage and report on all operations related to the issuance and trading of cryptoassets**. They facilitate the generation of regular reports for the authorities and ensure that all deadlines and documentary requirements are met. * **Automated identity verification systems (KYC/AML) **Using **artificial intelligence and facial and biometric recognition technologies**, these systems enable [**real-time verification processes**](https://www.tecalis.com/use-cases/onboarding-banking-financial-services-fintech-kyc-aml), reducing onboarding times and minimizing risks associated with money laundering. ### **Regulatory integration solutions** Since regulation involves the **integration of multiple regulatory requirements**, from AML/KYC to financial reporting, it is crucial to have integrated platforms that: * **Reconcile data from various sources**Allow you to **integrate information from internal systems, trading platforms and external databases** to generate consistent and up-to-date reports. * **Facilitate cross-departmental collaboration **Collaborative tools and centralized dashboards ensure that **compliance, technology and risk management teams work in a coordinated manner** to meet all regulatory requirements. ## **Conclusion** The implementation of the **MiCA regulation represents a fundamental milestone on the road to a more secure**, **transparent and professional crypto market** in Europe. With the approval of this regulation, the EU positions itself as a **pioneer in the regulation of cryptoassets**, providing a legal framework that **protects investors, encourages innovation and ensures fair competition** among market players. --- ## Leasing contract: Examples and how to sign it with electronic signature **URL:** https://www.tecalis.com/blog/contract-leasing-examples-template-signature **Descripción:** A leasing contract is an agreement for the assignment of goods. With different examples of leasing contracts, we can sign them electronically. The **leasing contract** has become an **essential financial tool for companies and individuals** seeking to **optimize their resources** without making large capital outlays. In this article, we will go deeper into **what this instrument consists of, its modalities, differences with other similar contracts** and the importance of **having digital tools for its creation and signature** so that it has legal validity with **regulatory compliance (eIDAS).** ## **What is a leasing contract and how does it work?** A **leasing contract is a financial agreement** whereby one party, called the **lessor**, **assigns the use of an asset (vehicles, machinery, technological equipment, etc.) to another party**, called the **lessee**, in exchange for periodic payments.  The distinguishing feature of leasing contracts as opposed to a simple [**rental contract**](https://www.tecalis.com/blog/lease-agreements-contract-template-digital-signature-real-state) is the **purchase option** that is generally **offered to the lessee at the end of the contract term**. For a pre-agreed residual value, **the lessee may acquire definitive ownership of the asset**. **Leasing contracts can be drafted with different types and examples in mind.** Also known as a **financial leasing contract**, a leasing contract highlights an entity (usually a financial institution) when it acquires an asset and makes it available to another party for use for a specified period of time. At the conclusion of the contract, the lessee usually has the option to purchase the asset at a previously established price, which **allows access to resources without requiring a high initial investment.** ### **Types and examples of leasing contracts** The world of leasing is varied, **adapting to different types of assets and financial needs**. Understanding these types is essential to choosing the most appropriate option when drafting your leasing contract. Below, we detail the most common types with illustrative **examples of leasing contracts:** **1\. Financial Leasing:** * This is the most traditional and widespread form, characterized as a **medium or long-term contract**, where the **lessee assumes most of the risks and benefits associated with the ownership of the asset** (maintenance, insurance, obsolescence). The **purchase option at the end of the period is usually for a symbolic or very low residual value**. * **Example of a Financial Leasing Contract:** A manufacturing company needs a new CNC (Computer Numerical Control) machine valued at €150,000. Instead of buying it outright, it signs a 5-year **financial leasing** contract with a financial institution. The company chooses the machine and the supplier. The financial institution buys the machine and leases it to the company. The company pays monthly installments covering the cost of the machine plus interest. At the end of the 5 years, the company can exercise the purchase option for a residual value of €1,500 and keep the machine. During the 5 years, the company is responsible for the maintenance and insurance of the CNC machine. **2\. Operating Leasing:** * This type **is more akin to a medium- or long-term lease**. The lessor (often the manufacturer or distributor itself) **gives up the use of the good, but retains ownership and assumes the main risks** (obsolescence, maintenance). **Periodic payments usually include additional services** such as maintenance, insurance or repairs. The **term of the operating lease contract is usually less than the economic useful life of the asset**, and the **purchase option**, if any, is usually for the **market value of the asset at that time**, not for a symbolic residual value. * **Example of an Operating Lease Contract:** A consulting firm needs to renew its fleet of 10 commercial vehicles. It opts for a 3-year **operating lease contract**. The leasing company (which may be a subsidiary of the car manufacturer) provides the vehicles. The monthly payments include the use of the car, comprehensive insurance, scheduled maintenance and repairs. At the end of the 3 years, the consultant returns the vehicles and may choose to start a new contract with newer models. They are under no obligation and do not necessarily have the option to purchase the vehicles at a predefined low price. **3\. Lease-back (or Retroleasing / Sale and Leaseback):** * **Description: A particular financial transaction where a company sells an asset it owns** (usually significant real estate or equipment) to a **leasing entity** and signs a **leasing contract** to **continue using that same asset as a lessee**. The main objective is to **obtain immediate liquidity** (from the sale) **without losing the use of the asset** necessary for its operation. * **Example of a Lease-back Contract:** A supermarket chain owns the building of one of its main stores, valued at 2 million euros. To **finance its expansion to new cities**, it decides to **sell the building to a real estate investment company** (acting as lessor) and simultaneously signs a 15-year **financial leasing** contract to continue operating in the same location. The chain receives the 2 million euros (less expenses) and starts paying monthly lease payments for the use of the premises. At the end of the 15 years, it may have the option to repurchase the property. **4\. Real Estate Leasing:** * It focuses **specifically on real estate (offices, industrial buildings, commercial premises, housing)**. It can be either **financial or operational**, although financial is more common for long-term acquisitions. It allows companies or individuals to **use a property by paying installments and having the option to buy it at the end**. It can be either financial or operational. * **Example of a Real Estate Leasing Contract:** A young entrepreneur wants to open a restaurant but does not have the capital to buy premises. He finds suitable premises and negotiates a 10-year **financial real estate leasing contract** with an entity. The **entity buys the premises from the current owner and leases it to the entrepreneur in exchange for monthly installments**. At the end of the 10 years, the entrepreneur can pay the agreed residual value and become the owner of the premises where he has built his business. **5\. Furniture Leasing:** * This includes the leasing of **all types of movable property**. This is a very broad category that **includes leasing contracts ranging from vehicles** (cars, trucks, vans) and **industrial machinery to computer equipment** (computers, servers), **medical equipment, office furniture**, etc. It can be financial or operational. * **Example of a Furniture Leasing Contract (Operating - IT):** A technology startup needs to equip its office with 20 state-of-the-art laptops. It opts for a 2-year **operating lease contract**. An IT leasing company provides the equipment. The fees include usage, an extended warranty and the possibility of a 2-year technology upgrade. At the end of the term, the startup returns the laptops and can sign a new lease with more modern equipment, avoiding obsolescence and large initial outlays. These **examples of leasing contracts** illustrate how different sectors can benefit from this financial instrument, adapting it to the particularities of each industry and specific need. ## **Definition of leasing or financial leasing** Leasing, or financial leasing, **is a mechanism whereby the lessor finances the acquisition of an asset and assigns its use to the lessee in exchange for periodic installments**. Legally, it is an **atypical contract**, since it combines elements of leasing and purchase options. Among its **most important characteristics** are: * **Established duration:** The contract has a **determined period** during which the lessee may enjoy the property. * **Periodic payment: A fixed or variable installment** is paid, **which includes the amortization** of the asset and, **sometimes, interest.** * **Residual value:** At the end of the contract, **a residual value is established**, which is the **price at which the lessee may acquire the asset**. * **Tax aspects:** Leasing may **offer tax advantages** for both the lessor and the lessee, depending on the legislation in force. **Leasing** is, therefore, a financing alternative that allows companies to optimize their cash flow, avoiding capital immobilization and facilitating technological or infrastructure renewal without the complications of an outright purchase. Therefore, **drafting leasing contracts and signing them properly** is essential to keep the content of the contract in force and to ensure that it has legal backing. ## **Best tools to create and sign a leasing contract** With the **digitalization of legal processes, the tools for creating and signing leasing contracts have evolved significantly**. Today, the ideal is to use [**electronic signature**](https://www.tecalis.com/products/electronic-signature) solutions **such as the one offered by Tecalis**, which **guarantee the integrity and authenticity of the document** without the need for physical travel or complicated procedures. ### **Key Characteristics of a Good Electronic Signature Tool** * **Security and encryption:** It is essential that the tool has high standards of security and data encryption, ensuring the protection of sensitive information contained in the contract. * **Regulatory compliance:** It must **comply with international regulations** such as the [**eIDAS regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), which establishes the legal validity of electronic signatures in the European Union. * **Integration with** [**KYC processes**](https://www.tecalis.com/products/identity-verification)**:** The incorporation of identity verification processes (KYC in leasing contracts) adds an extra layer of security, allowing to authenticate the parties involved in an efficient way. * **Ease of use:** The interface must be intuitive, allowing non-technical users to manage and sign documents without difficulty. * **Multiplatform compatibility:** The **possibility of signing from mobile devices or from any browser** is a competitive advantage to adapt to the current needs of mobility and remote work. Digitization in the signing of leasing contracts not only speeds up the process, but also reduces operating costs and improves the traceability of each transaction, guaranteeing the integrity of the document and the authenticity of the signatures. ## **How to draw up a legally valid leasing contract** Drafting a **legally enforceable leasing contract** requires an **approach that addresses both financial and legal aspects**. The following are the **key steps to ensure that the contract** is sound and **compliant**. ### **Essential Contract Requirements** 1. **Identification of the parties:** The contract must include **complete and verified details of both parties** (lessor and lessee). This is where [**KYC processes**](https://www.tecalis.com/blog/kyc-know-your-customer) are crucial to ensure that both parties are legitimate and have the necessary documentation. 2. **Detailed description of the asset:** It is important to **specify all the characteristics of the leased asset**, including its condition, serial number, location, and any other data that allows its precise identification. 3. **Financial terms: The amount of installments, residual value, applicable interest rate and any other relevant financial terms** should be established. Transparency in these terms is key to avoid future conflicts. 4. **Duration of the contract: The term of the contract** should be **clearly** defined, with start and end dates, and **the conditions for renewal or** early **termination**. 5. **Obligations and rights:** Both the lessor and the lessee **must have clearly defined rights and obligations**, including maintenance of the good, insurance, and responsibilities in case of damage or loss. 6. **Non-compliance clauses:** It is essential to **include penalties or measures to be applied in the event of non-compliance with contractual obligations** by any of the parties. Tecalis Sign's electronic signature platform integrates the [**AlisGPT**](https://www.tecalis.com/blog/how-to-use-chatgpt-chat-gpt-alis-alisgpt-4-english-utilize) **artificial intelligence** tool that can draft your leasing contracts to make them **legally valid and easy to sign.** ### **eIDAS safety and compliance considerations** When using electronic signatures to sign a leasing contract, it is crucial to **pay attention to security and regulatory compliance**, especially **Regulation (EU) No. 910/2014 (eIDAS)**. This regulation **establishes a common legal framework** for secure electronic interactions between citizens, businesses and public administrations in the European Union. To choose the best type of electronic signature for your leasing contracts, you have to take into account the [**levels of electronic signature**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) **established by the standard:** * **Simple (SES)**: Basic level (e.g., check a box, scanned signature). Offers less security and may be of limited probative value. * **Advanced (AES)**: Uniquely linked to the signer, allows identification, created with data that the signer can control, and linked to the signed data so that any subsequent modification is detectable. Requires a higher level of authentication. * [**Qualified (QES)**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies): An advanced signature created using a qualified signature creation device and based on a qualified certificate. It has the equivalent legal effect of a handwritten signature throughout the EU. In Tecalis Sign you can choose any model with more than 9 types of digital signatures. **For leasing contracts, we recommend using the biometric advanced electronic signature**. ### **Advantages of Using Electronic Signature for your Leasing Agreement** The **use of electronic signatures in leasing contracts provides multiple benefits**, among which the following stand out: * **Agility in the processes:** It allows for a **significant reduction in management time**, avoiding travel and speeding up the closing of agreements. * **Cost reduction:** By eliminating the need to print and store documents in paper format, **the costs associated with document management are reduced**. * **Increased security: Electronic signatures based on digital certificates guarantee the authenticity and integrity of the document**, reducing the risk of fraud. * **Sustainability:** Contributes to a reduction in paper consumption, supporting sustainable environmental practices. * **Accessibility:** Facilitates **signing and access to documents from any device connected to the Internet**, which is essential in an increasingly mobile world. ### **Difference between leasing and renting contracts** It is very common to confuse **leasing contracts** with **renting contracts**, since both involve the payment of installments for the use of an asset. However, there are fundamental differences: * **Purchase option:** In leasing, **the lessee has the option to purchase the asset at the end of the contract**, while in leasing this option is generally not contemplated. * **Duration of the contract:** Leasing usually has a **longer term**, oriented to the eventual acquisition of the asset. In leasing, the duration is **generally shorter and focused on operational use**. * **Maintenance responsibility:** In **leasing**, it is common for the **supplier** to **take care of the maintenance of the asset**, while in **leasing** these responsibilities usually fall on the **lessee.** * **Accounting and tax aspects:** The way in which the two contracts are accounted for and treated for tax purposes is different. **Leasing may offer specific tax advantages depending on local legislation, while renting is classified as an operating expense.** The right choice between leasing and renting will depend on the lessee's specific needs, financial situation and medium- and long-term objectives. ## **Electronic signature for the mobility sector: speed up your contracts** The **Mobility sector**, characterized by **rapid technological evolution and the need for agile processes**, benefits greatly from the **implementation of electronic signatures in leasing, renting or any other type of contract in the mobility and transportation industry**. Transportation companies, corporate fleets and urban mobility services find in this technology the perfect solution to **accelerate the formalization of agreements and improve their customers' experience**. ### **Impact on the Sector** * **Operational efficiency:** The electronic signature allows **contracts to be managed immediately**, eliminating waiting times and accelerating the incorporation of new assets or vehicles. * **Integration with digital platforms:** Many mobility solutions use digital applications and platforms for fleet management. The incorporation of **electronic signature tools integrates naturally with these systems**, offering a seamless user experience. * **Security and transparency:** By using advanced encryption and identity verification technologies, each signed contract is guaranteed to have full legal validity and security, which is essential in an industry where the management of high-value assets is common. * **KYC optimization:** The integration of **KYC** processes **in leasing contracts** within the Mobility sector allows to quickly validate the identity of customers and companies, reducing the risk of fraud and improving the reliability of the agreements. --- ## Electronic signature for companies which one to choose and what to take into account **URL:** https://www.tecalis.com/blog/signature-electronic-company-advanced-digital-certificate-company **Descripción:** The electronic signature for companies is a digital solution that authenticates and protects documents, guaranteeing security, legality and savings. Digital transformation in companies **requires agile, secure and compliant processes**. Adopting a **digital signature** solution **for enterprises** is no longer a futuristic option, but a strategic reality that **directly impacts productivity**, **cost reduction and the experience of both customers and employees**. However, the e-signature ecosystem is diverse, with different types, security levels and regulatory frameworks that it is crucial to understand in order to make the right decision. This article delves into the concept of **electronic signature for companies**, covering its various **typologies, advantages and the implementation of customized solutions**. It also establishes a comparison between digital signature and digital certificate, and examines the current legal framework, based on the eIDAS regulation. ## **What is the electronic signature or digital signature for companies and how does it work?** The **[electronic signature](https://www.tecalis.com/blog/electronic-signatures-what-are-types-plans-choose-contract)** is **a tool that verifies the identity of the signatory and guarantees that the document has not been altered after it has been signed**. Its implementation in the **business environment facilitates document management and the digitalization of processes**, eliminating the need for physical supports and speeding up decision making. In general terms, the **digital signature is the electronic representation of the** [**handwritten signature**](https://www.tecalis.com/blog/handwritten-signature-generator-how-to-create-maker), by means of which the **authenticity of a message or document** is **validated**. The technology behind this tool **is based on complex cryptographic algorithms**, which ensure that the **information is confidential** and that the signer is who he/she claims to be. **It is an essential tool** that is already used by **practically all companies**. From **micro-SMEs** to **large corporations**, electronic signatures are present in all documents to provide legal validity, reduce paper and have a proper management of data in accordance with standards such as eIDAS or the **RGPD**. ## **Types of electronic signature for companies: eIDAS standard** EU Regulation No. 910/2014, known as **[eIDAS](https://www.tecalis.com/ebooks-whitepapers/eidas2-eudi-wallet-european-digital-identity)** (electronic Identification, Authentication and Trust Services), is the **regulation governing electronic identification and trust services** for **electronic transactions in the EU** internal market **for electronic signatures to be used by businesses**.  This regulation not only harmonizes legislation among member states, but also **defines three types of electronic signature**, establishing a **hierarchy based on their security levels and technical and legal requirements**: ### **Simple electronic signature (SES)** [**Simple electronic signature (SES)**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation) **is a** [](https://www.tecalis.com/es/blog/firma-electronica-simple-que-es-definicion-eidas-tipos-caracteristicas-diferencias-regulacion)**basic digital authentication** method used in **low-risk processes**. It can be easily implemented using techniques such as **scanned images of signatures, passwords or PINs**. Although it has legal validity, **its security level is lower** than that of advanced or qualified signatures, so it is recommended for internal documents and low-impact approvals. ### **Advanced electronic signature (AES): technical features and security** The **[advanced electronic signature](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature)** represents a **balance between security and usability**, providing a higher level of protection without reaching the strict requirements of a qualified signature. Its main features are: * **High level of security****It uses robust cryptographic algorithms** that **guarantee the integrity of the document** and prevent any type of alteration after the signature. **Authenticity** is verified through the **exclusive use of the signer's private key.** * **Non-repudiation**Being uniquely linked to the signer's identity, **the advanced electronic signature prevents the signer from denying his or her participation in the process**, which is crucial in commercial and legal transactions. * **Real-time verification process**Many platforms that implement advanced electronic signatures allow **instant verification of the signed document**, facilitating audits and internal control processes. * **Applications in critical sectors**This type of signature is **ideal for sectors where security is paramount**, such as the [**financial sectors**](https://www.tecalis.com/blog/fintech-financial-technology), legal, health and technology . Its implementation ensures that processes are reliable and comply with international standards. The use of **advanced electronic signatures** is particularly suitable for **companies that handle sensitive information** and need to **ensure the authenticity and integrity of each digital transaction**. ### **Qualified electronic signature: digital certificates and administrative procedures** The [**qualified electronic signature**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies) is the **level associated with the digital certificate** and is used in those **processes related to the public administration**. Its main characteristics are: * **Qualified digital certificates**These are based on digital certificates **issued by organizations such as the Fábrica Nacional de Moneda y Timbre (FNMT) and can be loaded into electronic signature tools**  [**such as Tecalis**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas) to be used for signing. These certificates guarantee that **the signer's identity has been rigorously verified**, offering one of the highest levels of trust. * **Compliance with strict legal requirements**The qualified electronic signature **complies with all the requirements established in the eIDAS regulation for transactions with administrations**, giving it the same legal validity as a handwritten signature in all member states of the European Union. * **Certificate management on specialized platforms **Tools such as **Tecalis Sign** offer a **[digital certificate manager](https://www.tecalis.com/blog/how-to-sign-pdf-digitally-electronically-signature-electronic-digital-document-signing-word-iphone)** that makes it easier for companies to issue, renew and control these certificates. This functionality is essential to maintain a signature process that is always up to date and compliant with regulations. ## **How to sign a document in your company using electronic signature** The process of signing a document electronically **has been greatly simplified thanks to the existence of specialized platforms such as** [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) and the evolution of digital technology. The following is a general procedure that can be adapted to the needs of any company: 1. **You log in to your electronic signature platform for companies:** Access your account on the specialized platform such as **Tecalis Sign**. 2. **Select the type of electronic signature:** Choose the **method or level of signature required** according to the security and validity needs of the document. 3. **You choose the document or template and upload / use it:** Upload the file needed for the signature (compatible with common formats such as PDF, Word and other industry-specific formats) or use a predefined template. 4. **Choose the type of sending:** Configure how the document will be sent to the different signatories (for example, simultaneously or sequentially). 5. **You edit the document and insert the fields:** Add the necessary spaces for signatures, initials, dates or other data to be completed by the signatories. 6. **Add signatories:** Enter the information of the people who must sign the document. 7. **Sent for signature:** Starts the signature flow by sending the document to the designated users. 8. **Users sign:** Each signatory receives the request, verifies their identity using the established method (password, SMS, digital certificate, etc.) to guarantee that they are who they say they are, and applies their electronic signature. The platform incorporates metadata such as date and time. 9. **You receive the signed document in your company's systems if it is via API or in your e-signature platform for companies:** Once everyone has signed, the completed document is available. You can access it on the platform or receive it directly in your business systems (via API). A complete digital record (audit trail) is generated to ensure the integrity and traceability of the process for future audits. The use of tools such as **Tecalis Sign allows** companies **to streamline processes and reduce dependence on physical documents**, ensuring a transition to a more modern, secure and efficient document management. ### **Automate your company's workflows with e-signatures** Electronic signatures not only enable the validation of documents, but **can also be integrated into automated workflows,** optimizing internal management**.** The automation of these processes brings multiple advantages: * **Modes of sending electronic signatures:**Depending on the needs of the process, various modes of signature collection can be implemented: * **Parallel mode**Allows multiple users to sign a document simultaneously. This method is ideal for collaborative processes where approval from multiple departments is required at the same time. * **Sequential mode**Establishes a specific order in which each signer must apply their signature. This facilitates the monitoring and control of the process, ensuring that each step is performed in an orderly and verifiable manner. * **Mixed mode and envelopes**Combines elements of parallel and sequential modes, allowing greater flexibility in complex processes where some signatures can be obtained simultaneously and others in an orderly fashion. * **Integration with other systems and APIs**Automation allows the **electronic signature tool to connect with other management systems (CRM, ERP, BSS, etc.)**, simplifying document management and reducing data duplication. * **Notifications and tracking:**Advanced platforms **offer automatic alerts and notifications**, reminding pending signatories and facilitating real-time monitoring of each phase of the process. * **Auditing and control**By digitizing and automating the signature process, **detailed records are generated that allow for periodic audits**, ensuring that each transaction complies with current security standards and regulations. With these functionalities, the **electronic signature becomes a key tool to modernize and automate internal processes**, allowing companies to improve efficiency and reduce response times in their transactions. ## **Cases of use of electronic signatures in companies** The implementation of **electronic signatures** in the business environment **extends to multiple sectors and areas**, making it possible to optimize processes and guarantee the security of critical transactions. The following are some examples of its use: * **Financial and banking sector**[**Financial institutions**](https://www.tecalis.com/industries/banking-financial-services-fintech) use **electronic signatures for account opening**, **loan formalization**, **investment contracts** and **transaction approval**. Cryptographic security and traceability of the process are essential to meet the high regulatory standards of this sector. * **Legal and notarial sector**Lawyers, notaries and legal firms rely on electronic signatures for the **validation of legal documents, contracts and powers of attorney**. This tool **speeds up procedures and guarantees the authenticity** of agreements without the need for physical presence. * **Real Estate Sector **The real estate sector uses electronic signatures to **optimize and accelerate a variety of critical processes**. It is fundamental in the **formalization of leases, promises of sale, offers, representation or mandate agreements**, and other documents related to property management and transactions. The **ability to sign remotely greatly expedites closings**, improves convenience for all parties, and reduces administrative burden. In addition, security and traceability ensure the validity of agreements in an industry where transactions are often high-value. * **Public Administration**Government entities implement **electronic signatures to speed up the processing of files**, **the issuance of resolutions and the signing of agreements with suppliers**. This improves administrative efficiency and reduces the use of paper, promoting transparency and modernization of the public sector. * **Healthcare sector**In the **[healthcare](https://www.tecalis.com/industries/healthcare)** sector, electronic signatures are used for the **management of medical records**, **informed consents and the authorization of medical procedures**, ensuring confidentiality and compliance with data protection regulations. * **Human Resources**The **digitalization of selection, hiring, contract renewal and personnel file management processes** benefits from the incorporation of electronic signatures, facilitating the integration of new employees and streamlining internal communication. * **Commercial and logistics sector**Companies involved in marketing and distribution use electronic signatures to **validate orders, confirm deliveries and formalize contracts with suppliers**. This optimizes the supply chain and reduces response times in critical processes. These use cases demonstrate that **electronic signatures for businesses** are applicable to a wide variety of sectors, **enabling not only the validation of documents, but also the digital transformation of processes** that require high levels of security and operational efficiency. ### **Tips for choosing an e-signature platform for your business** Choosing the right electronic signature solution **is a strategic decision that impacts the security**, **efficiency and operability of the company**. To facilitate this choice, here are some practical tips: * **Regulatory compliance**Verify that the tool **complies with eIDAS** and **other local** or industry **regulations**. Legal compliance is essential for documents to have full legal validity and be accepted in official processes. * **Security level**Evaluates whether the solution offers the **possibility of implementing advanced (FEA) or qualified (FEQ) electronic signatures** when the nature of the transactions requires high levels of security. Check that robust cryptographic algorithms are used and that key management is secure and unique to the signer. * **Ease of integration**The tool must **integrate seamlessly** with **existing internal systems (document management, ERP, CRM**) and **be scalable** to adapt to the company's future growth. * **User Experience**An **intuitive interface and a simple signature process** are key to ensuring rapid adoption by employees and external partners. In addition, good technical support and initial training can ease the transition to digitization. * **Cost-benefit**Performs a detailed analysis of the return on investment involved in implementing electronic signatures. Considers both the **savings in time and resources as well as the improvement in security and regulatory compliance**. * **Support and updates**Make sure that the vendor offers **regular updates and an agile technical support service**, so that the tool keeps up with technological innovations and changes in legislation. These tips will help you select the best option, whether you are looking for a **digital signature for high-level companies** or a solution that adapts to lower-risk transactions, always guaranteeing the integrity and security of each document. ### **Benefits of using electronic signatures in your company** The integration of electronic signature tools such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) in your company's operations provides numerous advantages, both operationally and strategically. These are listed below: * **Agility and efficiency**Digitization **eliminates the need to print, manually sign and scan documents**. This **drastically reduces management times and speeds up decision making**, allowing processes to be almost instantaneous. * **Cost reduction**By **reducing the use of paper, physical storage and logistics**, companies **reduce their operating expenses**. In addition, **the risk of loss or misplacement of** important **documents** is **minimized**. * **Security and confidentiality**Thanks to advanced cryptographic algorithms, **electronic signatures protect the integrity of information** and ensure that documents are not subject to unauthorized modifications. This is especially relevant for sectors where data protection is critical. * **Regulatory compliance**International regulations, such as the [**eIDAS regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) in Europe, recognize the **legal validity of electronically signed documents**, provided that technical and security requirements are met. This gives digital transactions the same legal force as those made in the traditional way. * **Sustainability**The transition to digital processes **contributes to the reduction of paper consumption and to the care of the environment**, in line with corporate social responsibility policies. * **Improving corporate image**Using **cutting-edge digital solutions projects a modern and innovative image**, generating confidence in customers, suppliers and collaborators. These benefits make the investment in a **digital signature** solution **for companies** like [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature/plans) strategic and profitable, allowing organizations to adapt to an increasingly competitive and technologically advanced environment. --- ## Inter-active kiosks for banking, financial services and Fintech **URL:** https://www.tecalis.com/blog/kiosks-auto-service-interactive-fintech-revolution-banking-2025-fintech-trends **Descripción:** Inter-active kiosks are being the big bet of the banking sector in 2025. Discover RegTech innovations presented at Revolution Banking. **Digitalization, changing customer expectations and new regulations are transforming the banking and financial sector**. Events such as **Revolution Banking** have become key platforms to discuss and showcase the trends shaping the future of this sector. **Revolution Banking 2025** highlighted the increasingly important role of advanced technology solutions designed to improve both customer experience and operational efficiency. In this edition, **Tecalis** presented its innovative **inter-active kiosk** designed to **issue bank cards (credit and debit) in a fully automated, secure and instantaneous way**. In addition, it demonstrated how this technology is integrated within a **complete ecosystem of solutions** designed for the **banking** and financial **sector**. This includes various RegTech tools for compliance automation (KYC, AML), frictionless digital onboarding platforms and advanced e-signature solutions. ## **Inter-active kiosks for banking: what can they offer?** **Inter-active kiosks** or [**inter-active kiosks**](https://www.tecalis.com/blog/interactive-kiosk-multimedia-kiosks-personalized-tpv-signage) will become a key player in the financial ecosystem as they continue to provide **innovative solutions that facilitate traditional processes and open up new business opportunities**. Among the most prominent functionalities and use cases are: 1. **Instant issuance of cards and KYC verification.** One of the most revolutionary applications of these kiosks **is the ability to dispense credit and debit cards** activated instantly after a [**KYC verification**](https://www.tecalis.com/products/identity-verification) **process**. * **Integrated KYC process:** Thanks **to facial recognition technology and automated document verification**, the kiosk can **identify the user within minutes**, reducing friction and **speeding up onboarding**. * **Real-time activation:** Once the process is completed, **the issuance and activation of the card is done immediately**, which means that the customer can start **using their financial services without** long **waits.** 2. **Comprehensive digital identity management** In addition to KYC verification, these kiosks incorporate advanced systems for identity control, allowing: * **Registration and authentication:** The kiosk **collects biometric data and other authentication elements** that **are integrated into the bank's database**, facilitating continuous monitoring and [**fraud prevention**](https://www.tecalis.com/blog/fraud-prevention). * **Integration with CRM/BSS:** The information collected is **automatically integrated into management systems**, allowing constant updating of customer profiles. 3. **Interaction and omnichannel experience** **Inter-active kiosks are redefining the way customers interact with banking services**, taking them beyond the traditional branch and **offering concrete solutions in strategic locations**. Their intuitive design and automation capabilities open up a range of practical applications: * **Services at high-traffic points:** Imagine **taking out last-minute travel insurance directly from a kiosk at the airport before boarding**, or **opening a bank account quickly** and easily while **in a shopping mall**, without having to visit a branch office. These kiosks offer **immediate convenience** where customers need it most. * **Advanced branch complement:** Within the branches themselves, kiosks act as a **complement to automated teller machines (ATMs)**. While ATMs focus on withdrawals and deposits, **kiosks can handle more complex tasks such as advanced identity verification, applying for specific financial products** like loans, **updating personal data** or **instant card issuance**, freeing staff for higher-value advice. * **New financial horizons:** Kiosks are also positioning themselves as **access points to emerging financial services**. For example, they **facilitate the buying and selling of cryptocurrencies** in a secure and regulated manner, bringing these digital assets to a wider audience in a trusted physical environment. * **Extended Inter-active operations:** Beyond these examples, kiosks can **handle bill payments**, **make complex transfers, offer personalized recommendations** based on the customer's profile, or **facilitate the management of procedures** that previously required personal assistance. In short, **Tecalis' inter-active kiosks** are not only a technological improvement, but a **strategic tool** that allows **financial institutions** to **deploy specific services** (from insurance and accounts to crypto) in **an agile, secure and customized way in multiple locations**, optimizing operations and improving the experience in the digital era. ## **Beyond the usual banking product: Inter-active kiosks for diversification** The true potential of the **inter-active kiosk or [self service kiosk](https://www.tecalis.com/blog/self-service-kiosk-models-uses-features-auto-sales-adaptable)** in the **banking sector** lies in its ability to **transcend the boundaries of the traditional branch and the purely financial product catalog**. Its **flexibility of location and the breadth of functionalities** it can integrate make it an ideal platform for the diversification of services and the expansion of **brand presence to new environments**. Among the most relevant aspects, the following stand out: **Presence at multiple points of contact** The kiosk is not limited to bank branches; its versatility allows it to be implemented in: * **Airports and train stations:** Ideal for travelers requiring quick access to banking services, such as card issuance or currency management. * **Shopping malls:** Kiosks can offer services such as account opening, insurance sales and bill payments, taking advantage of the high flow of people. * **Universities and study centers:** Facilitate access to financial services for students and young entrepreneurs, promoting financial inclusion. 2. **Offering of complementary services** In addition to traditional banking products, in the future these kiosks could enable the activation of other services that expand the bank's offerings: * **Insurance and protection:** Possibility of taking out personalized insurance (health, life, home) instantly. * **Ticketing and entertainment services:** Integration of solutions for the purchase of tickets for events, movies or shows, taking advantage of the convenience of Inter-active. * **Bill payment and invoicing:** They allow you to manage the payment of utilities and other bills, centralizing multiple operations in a single terminal. 3. **Expansion of the digital channel network** The use of kiosks in non-traditional spaces allows financial institutions: * **Reach new customer segments:** Especially those who do not have easy access to physical branches or prefer non-conventional channels. * **Improve brand visibility:** By being present in strategic locations, institutions can reinforce their image and position themselves as innovative and customer-oriented. This diversification not only **improves customer experience and reduces operating costs**, but also opens up **new lines of business and monetization opportunities**, enabling banks to adapt to changes in consumer behavior and the digital environment. ## **Banking, finance and insurance industry news 2025** The **banking industry** is a dynamic ecosystem, driven by **technological innovation, changing consumer demands and a constantly evolving regulatory framework**. Anticipating and adapting to **industry developments** is crucial to remain competitive. Events such as **Revolution Banking 2025** serve as a thermometer to identify the key trends that will define the near future. Some of the **most relevant areas that are setting the agenda for 2025** and the years to come include: 1. **Regulation and compliance in the digital age** The evolution of regulations, both at European and global level, is **aimed at reinforcing security and transparency in financial transactions**: * **New directives and regulations: Regulations such as** [**PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance) **come into force** and new updates to the [**AML/KYC guidelines**](https://www.tecalis.com/blog/aml-anti-money-laundering) are expected to, which will require more agile and secure verification processes. * **Greater emphasis on consumer protection:** The implementation of **measures to ensure data privacy and security**, such as the adoption of **electronic signature** solutions **and biometric verification systems**, will be essential to comply with regulatory requirements. 2. **Technological advances and integration of digital solutions** **Automation and the use of emerging technologies** will mark a turning point in service delivery: * **Process automation:** The use of **artificial intelligence, machine learning and data analysis algorithms will facilitate the automation of KYC/KYB/AML processes**, significantly reducing verification times and improving operational efficiency. * **Integration with ERP and CRM systems: Inter-active kiosk** solutions **will be seamlessly integrated with internal management platforms (BSS/CRM)**, enabling **real-time updating of customer information** and proactive response to changes in risk profile. * **Innovation in the user experience:** Technologies such as **facial recognition, OCR** (Optical Character Recognition) and **advanced electronic signature** will combine to **offer frictionless onboarding and verification processes**, raising the level of customer satisfaction. 3. **Trends in open banking and open finance** The movement toward greater openness of financial data will continue to gain momentum: * **Open Banking extended to Open Finance:** The opening of banking data will not be limited to payment services, but will be **extended to insurance, investments and other financial products**, generating a more integrated and competitive ecosystem. * **Interoperability and collaboration between fintech and banks: Strategic alliances between traditional entities and** [**fintech startups**](https://www.tecalis.com/industries/banking-financial-services-fintech) will enable the **development of new products and services**, optimizing the offer for customers and opening up opportunities for disruptive innovation. **Tecalis** is aligned with these trends **by offering solutions that directly address these challenges**. Its **identity verification and digital onboarding** platforms**, which can be integrated** into **interactive kiosks** or used in online/mobile channels, respond to the need for **efficient and secure KYC/AML** processes**, compatible with eIDAS**. In addition, [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature/free-vs-paid-features) facilitates digital onboarding, and its customer hub can help in personalization and risk management. ## **Automation of KYC/KYB/AML and digital sourcing processes** **Efficiency and accuracy in identity verification and digital contracting** are fundamental pillars of **modern, secure banking**. **Technological advances enable the** [**automation of processes**](https://www.tecalis.com/products/rpa-automation) that have historically been slow and costly. Let's take a look at how these processes are being transformed: 1. **Simplification of processes through technology** * **Automated verification:** The implementation of **facial recognition systems,** [**OCR**](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online) **and artificial intelligence algorithms makes it possible to identify and verify the identity of customers in real time**, reducing manual intervention and **minimizing errors**. * **Customized risk assessment:** With **data analysis tools**, it is possible to **create dynamic risk profiles that are automatically updated** as new information is gathered. This is crucial for **implementing** [**due diligence**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) **and ongoing monitoring processes** in compliance with AML/KYC regulations. 2. **Integration with management platforms** Automation solutions do not act in isolation. **They are integrated with internal management systems**, allowing: * **Data synchronization: Information** captured at kiosks **is immediately transferred to** [**CRM/BSS**](https://www.tecalis.com/blog/bss-what-is-how-it-works-business-support-system-telecommunications-oss) **systems**, improving traceability and efficiency in customer service. * **Intelligent workflows:** Automation allows you to **set up adaptive workflows** that, based on the customer's profile, can **request additional information, forward cases to review teams, or trigger notifications** for follow-up. 3. **Digital contracting and electronic signature** The digital procurement process benefits greatly from the integration of electronic signature solutions: * **Advanced and qualified electronic signature:** These solutions **provide the necessary legal security** for [**digital contracts**](https://www.tecalis.com/blog/sign-contract-online-free-contracting-signing-tool-digital-signature-electronic-validity) to have the same legal value as those signed on paper. * **Time reduction:** The incorporation and signing of documents can be done in minutes, which speeds up the closing of business and improves the customer's experience. Advanced technological solutions, such as those **developed by Tecalis in the RegTech field**, not only incorporate these **automation capabilities**, but also ensure that the **verified information** and data collected during these processes (either through an **inter-active kiosk**, web or app) are seamlessly and securely **integrated** directly into the **financial institution's core systems** (CRM, Core Banking, Risk Systems - BSS). This end-to-end integration is key to **maximizing efficiency, reducing errors and having a single, up-to-date view of the customer**, **facilitating** ongoing **regulatory compliance** and more informed decision making. ## **New regulations in the European framework that will soon affect the banking sector** The regulatory environment for the [**banking and financial**](https://www.tecalis.com/guides/onboarding-kyc-id-verification-identity-verification-banking-bfsi-fintech-finance-product-fact-sheet) **sector in Europe** is one of the most **dynamic and demanding in the world**. Institutions must be constantly alert to **legislative developments** that seek to **increase security, transparency, consumer protection and system stability**. Several recent or developing initiatives will have a significant impact on **banking operations in 2025** and beyond: * The [**eIDAS 2.0 regulation**](https://www.tecalis.com/ebooks-whitepapers/eidas2-eudi-wallet-european-digital-identity) introduces the **European Digital Identity Wallet** (EDIW) to **simplify KYC processes** in **cross-platform onboarding across the EU**. **Banks will have to adapt their systems to accept and verify these digital identities and signatures**. * The EU is **strengthening its AML/CFT framework** with a single regulation that includes rules on customer **due diligence** processes, **beneficial ownership and limits on cash payments.** * The [**Sixth Anti-Money Laundering Directive (AMLD6)**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) complements the regulation by specifying aspects that require transposition into domestic law. * A **new EU agency (AMLA)** was created **with supervisory powers over high-risk financial institutions** and coordinating national FIUs. * **New regulations** for cryptoassets force banks to **invest in more robust anti-money laundering (AML) systems** and to adapt to supervision by the Financial Services and Markets Authority (AMLA). * The [**DORA Regulation**](https://www.tecalis.com/blog/finance-fintech-trends-challenges-innovation-compliance), already in force, establishes **uniform security requirements for financial institutions and their ICT providers**. It involves **investments in cybersecurity and business continuity**, obliging banks to manage ICT risks, perform resilience testing and report serious incidents. * The [**Markets in Cryptoassets Regulation (MiCA)**](https://www.tecalis.com/blog/mica-law-regulation-european-markets-crypto-assets-stablecoins-tokens) establishes a common **regulatory framework** for **cryptoassets and** related **service providers** in the European Union.  It provides legal certainty and **establishes authorization and operating requirements, investor protection rules and specific rules for stablecoins**. Banks offering services related to **cryptoassets will have to comply with MiCA and AML/CFT regulations**. --- ## All about OCR software: Business use cases beyond ID documents **URL:** https://www.tecalis.com/blog/software-ocr-recognition-optical-character-recognition-enterprises **Descripción:** An OCR software is a technology that converts images of text, whether printed or handwritten, into digital data that can be edited and processed by a computer. **Optical Character Recognition (OCR)** has established itself as a fundamental tool in the digital transformation of companies in various sectors. Although commonly associated with the simple digitization of identity documents, the potential of **OCR software** extends far beyond this, revolutionizing the way companies manage information and automate their workflows. In this article, we explore how **enterprise OCR software** goes beyond simple digitization to become a **strategic tool for optimizing processes, reducing costs and improving decision making**. We will delve into the technical operation of OCR software, its various **applications in the business environment** and how the **integration of technologies such as artificial intelligence** (AI) and **computer vision** is transforming the industry. In addition, we will discuss the **different types of OCR software available**, from online OCR solutions to enterprise-specific tools. ## **What is OCR or Optical Character Recognition software?** **OCR software** is a **tool that transforms images of printed or handwritten text into editable digital data**. Thanks to this software, **physical documents, photographs and scanned files can be converted into information that can be manipulated by computer systems**, eliminating the need to manually transcribe each piece of data. This **digitization** capability **is essential for process automation and document management** in companies of any sector. [**OCR**](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online) **(Optical** **Character Recognition**) is, in essence, a **technique that combines image processing and machine learning algorithms** to identify and extract characters from a visual medium. This system has become **indispensable in the digital era**, allowing companies to optimize processes, improve efficiency in information management and, in many cases, significantly reduce operating costs. ### **How OCR software works** The operation of an **OCR software** involves several technical steps that together enable the **accurate conversion of images into digital text**. The following is a step-by-step process: 1. **Image Capture and Preprocessing**The first step is to **obtain an image of the document or text to be digitized**. This image can come from a scanner, digital camera or even a screen capture. Once obtained, **preprocessing techniques such as skew correction, contrast enhancement and denoising** are **applied to facilitate character identification**. These techniques ensure that the system works with the best possible image quality. 2. **Document Segmentation**At this stage, the software **divides the image into smaller areas**, identifying areas of text, images and other elements. Segmentation is crucial to isolate each block of information, allowing **OCR to focus only on the textual content**. This involves identifying lines, words and, subsequently, individual characters. 3. **Pattern and Character Recognition**Using **pattern recognition algorithms, the system compares segmented characters with an internal database of predefined shapes and patterns**. The algorithms may include traditional template correlation methods or, in more advanced versions, **deep learning techniques** that have been trained on large volumes of data. This phase is **critical for converting visual patterns into digital characters**. 4. **Post-processing and Error Correction**Once the characters have been recognized, a **review of the text obtained is carried out to correct possible errors**. This phase may include the application of dictionaries, contextual analysis and grammatical rules to help **improve the accuracy of the final result**. The **combination of these methods significantly reduces the error rate** and ensures that the digitized information is as accurate as possible. 5. **Data Integration and Export**Finally, **the digitized text is integrated into the desired system**. This may involve **exporting** it **to editable formats (such as DOC, PDF or databases), integrating it into document management systems or even into data analysis** and business intelligence **applications.** This process, although it may seem simple in its description, **involves state-of-the-art technologies and a high degree of technical sophistication**, which explains why **OCR Software** has become an indispensable tool for the automation and digitization of processes. ## **Use cases of OCR software in companies** The application of **OCR systems and software** in the business environment is vast and relevant across multiple industries. Its main benefit lies in the **transformation of manual, paper-intensive or static image-based processes into automated and efficient digital workflows**. This translates directly into a **significant reduction in processing time**, which in turn generates considerable operational **cost savings**, minimizes human error and frees staff for more value-added tasks. Let's look at some specific examples by industry where **enterprise OCR** makes a tangible difference: ### **Banking and Financial Services** In the [**Banking and Financial Services**](https://www.tecalis.com/industries/banking-financial-services-fintech) industry, OCR software is essential to optimize critical operations. It significantly speeds up [**customer onboarding (KYC)**](https://www.tecalis.com/products/identity-verification) by automatically extracting data from identity documents, vouchers and payroll, **reducing processes from days to minutes and ensuring regulatory compliance**. It also accelerates **loan processing** by **digitizing and extracting key information** from applications and financial documentation, facilitating faster credit evaluation.  OCR also streamlines the **processing of checks** for electronic clearing, eliminating the need for their physical transfer, and automates **accounting and reconciliation** by capturing data from vendor invoices and bank statements for faster and more accurate management. Finally, this technology enhances [**AML**](https://www.tecalis.com/blog/aml-anti-money-laundering) **compliance and fraud detection** by enabling efficient analysis of large volumes of documents for suspicious patterns. ### **Telecommunications Sector** The telecommunications industry has benefited from OCR software as it speeds up the closing and **management of contracts** by **digitizing them and extracting** key **data** such as clauses, expiration dates and customer details, allowing direct linkage to the company [**OSS/BSS**](https://www.tecalis.com/blog/oss-bss-operational-and-business-support-systems-what-is-difference-telecommunications).  In addition, it automates **invoice processing** by reading and validating documents from both customers and suppliers. This technology also significantly improves **customer service** by providing agents with **immediate access to relevant information** contained in customer-related documents, such as application forms or claims, directly during support interactions. ### **Utilities Sector (Energy, Water, Gas)** In the [**utilities sector**](https://www.tecalis.com/blog/utilities-public-services-companies-energy-sector-infrastructure-industry-utility), OCR software has proven to be a valuable tool for modernizing different operational areas. Its application for **reading** analog **meters**, processing photographs to obtain remote readings, represents an important step in the digitization of this process. Currently, it is fundamental to optimize **invoice and payment processing**, as it allows **large-scale digitalization** and a much more efficient and faster management of invoices (issued to users and received from suppliers) **reducing the administrative burden and possible errors**. In addition, this technology contributes significantly to better **management of supply contracts**, automatically extracting key data such as effective dates, specific conditions or rates, which greatly simplifies their monitoring, consultation and overall administration. ### **Insurance Sector** In this sector, the software has significantly streamlined **claims processing, including handling discharges and similar tasks, by automatically extracting information** from forms, medical reports, repair invoices and other supporting documents; this **drastically reduces handling times** and improves customer satisfaction. It also **streamlines the underwriting process** by enabling rapid analysis of policy applications and supporting documentation, facilitating risk assessment and premium setting. It also simplifies the management of existing policies by digitizing and extracting relevant data, facilitating subsequent queries and modifications. ### **Logistics and Transportation** A key application is the **automatic extraction of Bill of Lading (BoL) data**, which is essential for companies in the industry to **quickly capture information** (such as shippers, consignees, cargo details and sea or land routes)**, thereby streamlining data entry into tracking systems** (TMS), cargo verification and the **digitization and automated management of delivery notes and packing slips**. Another widespread application is the **automated processing of Customs Documents, an** indispensable enhancement for freight forwarders, customs brokers and import/export companies, allowing them to **extract data from declarations and commercial invoices** to speed up the preparation of customs clearances, reducing the risk of error and ensuring regulatory compliance. ### **Legal** OCR software is gradually being implemented in the **legal sector**, its applications include **eDiscovery**, which is the process of **digitizing the large volume of documentation used in litigation**, and the review of contracts to extract key data. Once the documents have been analyzed or drafted, their formalization is facilitated by electronic signature solutions. Platforms such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature/plans) allow parties to **sign contracts and agreements digitally**, with full legal validity in accordance with the **[eIDAS](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services)** **regulations** in force in the European Union. In all these cases, the use of **OCR software** not only speeds up processes, but also improves accuracy by reducing manual data entry errors, ensures consistency, facilitates regulatory compliance by creating digital audit trails, and improves accessibility to decision-critical information. ### **Types of OCR software available on the market** Today's market offers a wide variety of **OCR software**, each **designed to meet specific needs**. These can be categorized according to their purpose and type of use: 1. **OCR for onboarding and identity validation processes**Solutions **designed to capture and verify customer identity**, **enabling fast** and secure **onboarding processes** in sectors such as **banking, insurance and telecommunications**. These tools usually integrate facial recognition and document verification algorithms, facilitating regulatory compliance and fraud prevention. 2. **OCR for document processing**Oriented to **digitizing documents/invoices en masse**, these systems are used in **administration, accounting and human resources offices**. They allow the automation of data entry, document classification and integration into document management systems. 3. **OCR for invoice and voucher validation**In environments where invoice processing is essential, these solutions **enable the extraction of relevant data from business documents, automating accounting and expense control**. This category is especially useful for companies that handle large volumes of invoices, reducing errors and speeding up accounting processes. 4. **OCR for human resources and personnel management**These tools **facilitate the digitization of resumes, application forms and other documents related to recruitment**. They enable faster management of candidate information and optimize selection processes, speeding up the integration of new employees. Each of these categories is designed to **address specific challenges within a company's document workflow**, contributing to operational efficiency and digital transformation. 5. **OCR for KYB processes, scraping and screening with computer vision **The integration of OCR with **Computer Vision** technologies takes the verification, scraping and screening processes to a higher level, especially in tasks such as **KYB (Know Your Business)**. While OCR extracts textual information from documents and images, **Computer Vision adds visual analysis capabilities**, allowing not only to read the data, but also to understand the context, verify the authenticity of the document (detecting possible manipulations) and analyze graphical elements. This synergy is crucial to perform more robust **screening** processes and **scraping** tasks that require interpreting information beyond plain text, thus obtaining much more complete and reliable business validations and data analysis. ### **Optimization of document management through OCR software** **Document management is one of the most critical aspects in** today'**s business environment**. With the rise of digitalization and the need to adapt to remote and collaborative work environments, having a system that **automates document management is essential**. **OCR Software** integrates with various platforms and document management systems, allowing: * **Real-time document scanning**Physical documents, such as contracts, forms and correspondence, can be scanned and processed immediately. This **speeds up decision making and facilitates access to information** at any time. * **Workflow integration**The data extracted by OCR can be **integrated into ERP (Enterprise Resource Planning) and CRM (Customer Relationship Management) systems, allowing centralized and real-time management**. For example, in recruitment processes, the digitization of forms and documents allows candidate information to be automatically sent to human resources systems for evaluation. * **Improved identity verification and electronic signature**In regulated industries, identity verification is a critical process. OCR systems are **used to scan identity documents and certificates, integrating with** [**electronic signature**](https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending) **solutions to ensure secure and compliant processes**. This is essential for opening bank accounts, insurance and other financial services. * **New customer onboarding processes**In industries such as banking and telecommunications, new customer onboarding **requires the verification of multiple documents**. OCR facilitates the capture and validation of this information, reducing waiting time and improving the user experience. In addition, integration with artificial intelligence systems **allows the detection of possible fraud and errors in KYB/KYC/AML processes**. * **Archive automation and document search**Once digitized, documents can be archived intelligently. **OCR systems allow each document to be indexed with keywords, facilitating quick search and retrieval of information**, which is especially useful in audits and legal processes. Optimizing **document management through OCR software not only improves operational efficiency, but also contributes to sustainability by reducing dependence on paper**, aligning with ecological and corporate social responsibility strategies. ## **AI, KYB and OCR: How computer vision works for screening, scraping and similar processes** The rise of **artificial intelligence (AI)** has significantly boosted the evolution of OCR software. The integration of machine learning and deep learning algorithms has enabled **optical character recognition** systems not only to recognize characters more accurately, but also to **interpret and analyze complex contexts**. In this sense, the combination of OCR with **computer vision** technologies is transforming screening, scraping and verification processes in various business areas. ### **Screening and scraping processes with advanced technologies** **Screening** refers to the **ability to analyze large volumes of visual data to extract relevant information**. In combination with OCR, solutions can be developed that **automate the extraction of data from diverse sources, such as websites, image databases and** social **networks.** This is especially useful in [**KYB (Know Your Business)**](https://www.tecalis.com/blog/kyb-know-your-business) processes, where verification and validation of company information is automated, ensuring regulatory compliance and facilitating fraud detection. Data **scraping**, on the other hand, consists of **extracting information from various online sources on a massive scale**. By integrating OCR into these applications, data can be captured from images, screenshots and graphic documents, enriching the information obtained and offering a more complete view for market analysis, trend research and competitive studies. ### **ICR: the evolution of second-generation OCR for business processes and more** **Intelligent Character Recognition (ICR)** represents the natural evolution of OCR. While traditional OCR is focused on reading printed or typed text, **ICR is focused on recognizing handwriting and difficult-to-interpret characters**. Thanks to advanced algorithms and neural networks, ICR is able to learn and adapt to different handwriting styles, making it a valuable tool for business processes that require the digitization of handwritten forms, surveys and notes. Among the advantages offered by the ICR are the following: * **Increased accuracy in handwritten data recognition**The ability to interpret variations in handwriting allows even cursive or poor quality handwritten documents to be accurately digitized. * **Adaptability to different languages and formats**ICR systems can be trained to recognize multiple languages and styles, extending their applicability in international contexts and in companies with global operations. * **Integration with data analysis systems**By digitizing information that was previously inaccessible or difficult to handle, ICR allows data to be integrated into business intelligence systems, facilitating decision making based on real and updated information. * **Sector-specific applications**In areas such as legal, education and healthcare, where handwritten documents are still common, ICR opens the door to automation and digitization that improves efficiency and reduces the possibility of human error. The evolution of ICR demonstrates how the combination of **OCR**, **AI** and **computer vision** is radically transforming enterprise information processing, enabling more agile and secure handling of large volumes of data. --- ## How to digitally sign a Word document: Insert digital signature and tools to do it **URL:** https://www.tecalis.com/blog/sign-Word-digitally-online-digital-signature-digital **Descripción:** Digitally sign a Word document step by step. Discover how to insert your digital signature and which tools to use to guarantee legal validity. In the digital era, the **security and legal validity of documents have become a priority for companies and professionals**. Digitally signing a document in Word not only **provides an extra level of security and authenticity**, but also streamlines processes, reduces the use of paper and adapts to **international regulatory requirements**.  In this article, we will delve into the process of how to **sign in Word**, detailing the **technical and legal requirements** to digitally sign a Word document, and the **differences between digital signature and electronic signature**. We will also explore the **steps to insert a signature** in Word in different versions, highlighting the **advantages of using advanced electronic signature platforms**. ## **How to digitally sign a Word document** Before going into the signature process, it is essential to **understand the preparation and requirements needed to digitally sign a Word document in a secure and legal way**. The digitization of the signature involves the **integration of technological and legal elements that guarantee the integrity and authenticity of the document**.  This preparation involves **not only having the right tools** but also **understanding the legal framework applicable in your jurisdiction**. Ensuring that **both the sender and the receiver accept this signature method** and understand its implications is an essential first step to **avoid future disputes about the validity** of the digitally signed agreement or document. The following are the **key points to sign a Word document with electronic signature**: ### **Requirements for signing a Word document: necessary tools** In order to use a **[digital or electronic signature](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose)** in a Word document, it is essential to have **certain technical elements and tools to facilitate the process.** Among them, the following stand out: * **Electronic signature platforms**Some tools specialized in electronic signature allow users to upload **Word documents and sign them with digital and electronic signature** when necessary with advanced electronic signature (integrated in the platform and without the need of anything else), but they also **enable the signature by alternative methods such as a digital certificate that comply with current regulations**. These platforms are designed to **guarantee document integrity**, detect modifications and ensure that **the signing process is transparent and secure**. * **Technical requirements:**It is essential to have a **Microsoft Word** document and a computing environment that allows the integration of the digital signature. This includes having a **compatible operating system**, a **secure internet connection** for online validation (when necessary) and, in some cases, the installation of specific plugins or add-ons to facilitate the process. However, tools such as **Tecalis Sign, allow you to sign a Word without installing anything and from any web browser**. * **Good security practices:**Regardless of the tool used, it is advisable to make sure that **the electronic signature platform we use has security and a legal backing such as a QTSP (Trusted Provider)**. This ensures that the signature process is not compromised by vulnerabilities. Using **[Tecalis Sign's](https://www.tecalis.com/products/electronic-signature) electronic signature tool**, the user can choose to sign a Word document digitally **without the complexity of managing a digital certificate** individually, as it **integrates additional security mechanisms** that ensure the validity and legal recognition of the signature. In addition, it **allows loading digital certificates in case the organization's internal policies or regulations require it**. ## **Differences between digital signature and electronic signature** One of the most confusing points is the **distinction between digital signature and electronic signature**. Although both terms **are used interchangeably in everyday language, in the legal and technical fields there are fundamental differences** when signing a Word document that are important to understand. ### **Features of Digital signatures** **[Digital signatures](https://www.tecalis.com/blog/request-e-signature-electronic-digital-application-certificate-new-sending) are based on cryptographic algorithms and technical standards that make it possible to verify the integrity of the document and the identity of the signatory**. However, the term "digital signature" is used **generically** and, in some contexts, **does not in itself confer full legal validity**. This is because it can sometimes be implemented in a way that does not meet the requirements of authenticity, integrity and non-repudiation required by the regulations. ### **Electronic signature** Electronic signatures, on the other hand, **encompass a set of methods that may include digital signatures**, but also other mechanisms (such as **passWords, SMS codes, biometrics, among others**) that have been **regulated by law** to guarantee their validity. There are two main types of electronic signature: * [**Simple electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation): Generally **consists of basic methods, such as checking a box or uploading an image of the signature**. It has lower security and, therefore, a lower evidentiary level. * **[Advanced electronic signature](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) (FEA / AES)**: This option **requires that the signature is uniquely linked to the signatory**, that it can detect any subsequent modification to the document and that it has been created by means under the signatory's exclusive control. In summary, while **digital signatures can refer only to the application of cryptographic algorithms without fully ensuring legal validity**, **electronic signatures**, especially qualified electronic signatures, are designed to **comply with international and national regulations**, ensuring that the **signed document is legally binding and accepted in official proceedings.**  Therefore, to **sign a document in Word with legal validity**, it is preferable to opt for an electronic signature platform **such as Tecalis Sign** that offers both options: the possibility of using digital certificates and advanced authentication methods. ## **Legal aspects of digitally signing a Word** For a **digital signature in Word** to **have full legal value**, it is necessary to comply with a series of **legal requirements that guarantee the authenticity and integrity of the signed document**. This section focuses on the legal aspects that you must take into account for **your digital signature to be legally binding**. It is essential that the **signatory is unequivocally identified**, for example, through the use of electronic ID, biometric facial recognition or [**two-step verification systems**](https://www.tecalis.com/blog/two-step-authentication-2FA-verification-which-is-account-activate-factors-security-systems-configure-business-second-factor). In addition, it is essential to **guarantee the integrity of the document**, since any subsequent modification to the digital signature would invalidate it. **Time stamping, which records the exact date and time of the signature**, is also an indispensable requirement. When a **Word document** is digitally **signed**, the process must be aligned with the applicable regulations in each jurisdiction. In Europe, for example, **the [eIDAS Regulation](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) establishes a legal framework that gives full validity to qualified advanced electronic signatures**. In **Spain, Law 6/2020** and previous regulations on electronic signatures **regulate the use of electronic signatures in official and private documents**. ### **Compliance with regulations (eIDAS, LFE in Spain, etc.)** One of the most important regulatory frameworks in the field of electronic signatures is the **eIDAS Regulation (Electronic Identification, Authentication and Trust Services), implemented in the European Union**. This regulation establishes a common framework that guarantees interoperability and security in the use of electronic signatures throughout Europe. Among the **[most relevant aspects of eIDAS](https://www.tecalis.com/ebooks-whitepapers/eidas2-eudi-wallet-european-digital-identity)** are the following: * **Mutual recognition****Advanced electronic signatures recognized according to the eIDAS standard are valid in all EU member states**, facilitating cross-border transactions. * **Security levels**The regulation **defines different levels of electronic signature**, ensuring that the methods used are appropriate for the type of document and the sensitivity of the information contained. In Spain, the Spanish Electronic Signature Law (LFE) establishes that the advanced electronic signature is legally equivalent to the handwritten signature and guarantees the responsibility and non-repudiation of the authorship of the signed document. For a **Word digital signature to be legally valid, it is essential that the signature process complies with these standards and regulations**. Using **[Tecalis Sign's](https://www.tecalis.com/products/electronic-signature/free-vs-paid-features)** electronic signature platform not only **increases confidence in the process**, but also **protects the company and the signer** against possible legal difficulties since it **is certified and complies with the requirements of eIDAS and the LFE**. ### **How to digitally sign in Word 2016 and 2019** In the 2016 and 2019 versions of Microsoft Word in order to sign with digital signature, you will need to use your .doc or .docx file and upload it to your digital signature platform. **It is strongly recommended to use an electronic signature platform that offers an optimized and legally validated process**. The general procedure is as follows: 1. **Preparation of the document:** Make sure the document is in its final version and no further modifications are foreseen and review the content to avoid errors. 2. **Select the signature tool:** Opt for an **advanced electronic signature platform such as Tecalis Sign**. These tools enable **direct integration of the signature process and ensure that the document is protected** against subsequent alterations in accordance with **eIDAS**. 3. **Upload the Word document to the signature platform.** **Upload the document to the platform** and configure how it will be sent to the different signatories. After that you can add the necessary fields for the signature, initials, date, etc... 4. **Include signature:** Once the signature is inserted, the document will display a visual indicator confirming that it has been digitally signed. Platforms such as **Tecalis Sign** offer the option to add multiple signatures, which is especially useful for documents that require validation from multiple departments or individuals. 5. **Additional security:** **Tecalis** has a 5 year escrow period or if you prefer you can integrate the signed document via API in your document repository. Using **[Tecalis Sign](https://www.tecalis.com/request-demo) not only simplifies this process, but also reduces the risks** associated with handling digital certificates individually. With these steps, even non-technologically advanced users can **sign Word documents securely** and in compliance with current regulations. ## **Conclusion** Digitally signing Word documents has become a **fundamental necessity to ensure security, authenticity and legal validity** in today's digital environment. While there are mechanisms that **you can try to implement directly**, the use of **specialized** and legally compliant **electronic signature platforms**, such as **Tecalis Sign**, not only **simplifies the process** for users, but also ensures its legality and the integrity of the document.  In this way, it has been possible to **improve operational efficiency in companies**, **also reducing the costs** associated with signing paper documents and their storage. The **ability to automate workflows** and **integration with other business systems** makes electronic signatures an essential tool for companies of all sizes and sectors. In short, whether Word documents in its 2016 or 2019 version, the process of **digitally signing a Word benefits greatly from advanced electronic signature tools such as Tecalis Sign**, which **simplify the operation and ensure regulatory compliance.** --- ## Advanced electronic signature and qualified electronic signature: differences, which is better and use cases **URL:** https://www.tecalis.com/blog/advanced-electronic-signature-qualified-differences-use-cases **Descripción:** The advanced electronic signature and the qualified electronic signature guarantee the authenticity and integrity of documents. Their differences lie in their creation and in certain uses. The digital transformation in the legal and commercial environment has **boosted the use of document authentication and validation technologies**. In this context, **the electronic signature has established itself as the digital equivalent of the handwritten signature**, providing **security, agility and cost reduction**. However, there are **different types of electronic signatures** \- from simple to advanced and qualified - which **vary in their technical requirements, security level and applications**.  In this article we analyze in depth the differences between **advanced electronic signatures** and **qualified electronic signatures**, exploring their **advantages, legal validity, regulatory differences and use cases by sector**, so that companies and public administrations can **choose the most appropriate solution for their needs.** ## **Difference between an advanced electronic signature and a qualified electronic signature** Although both **advanced electronic signature** and **qualified electronic signature** are types of electronic signatures **recognized** and regulated by **Regulation (EU) No. 910/2014 (eIDAS)**, they have substantial differences in terms of their **technical requirements and creation process**. **Qualified electronic signature** requires the **use of a qualified signature creation device (QSCD)**, either in physical form, such as **SmartCard or USB token**, or through cloud solutions using hardware security modules (HSM).  In contrast, **advanced electronic signatures can be implemented using software based on public key infrastructure** without requiring a specifically qualified device. This technological difference translates **into a higher level of security for the qualified electronic signature**. In addition, the **digital certificate used in a qualified signature must be issued by a** [**Qualified Trust Service Provider (QTSP)**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas), which implies stricter control and supervision. On the other hand, **advanced electronic signatures can use secure digital certificates**, but they do not have the same formal qualification, which directly affects the **level of legal assurance**. Indeed, **qualified electronic signatures are legally equated to handwritten signatures** in all EU Member States, giving them an **automatic presumption of legal validity** in the event of litigation, while **advanced electronic signatures**, despite meeting high security standards, **may require the submission of additional evidence** to demonstrate compliance with all their requirements. Another important difference lies in the **complexity and costs of implementation**. The additional requirements for **qualified electronic signatures**, both in terms of devices and certification, usually **involve more complex processes and higher operational costs**. In contrast, **advanced e-signatures** are a **more agile and economically viable** solution **for most business transactions**. In addition, the option of combining **biometric advanced electronic signature and KYC processes** is particularly attractive for environments where high security is required without resorting to the complexity of a qualified signature, which is mostly used in transactions with public administrations. ## **Legal validity of qualified electronic signatures and advanced electronic signatures** The [**eIDAS regulations**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) establish that, in legal terms, **no electronic signature should be denied legal effect because it is not qualified**. However, in practice, there are important nuances: * [**Advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) Although it **complies with the requirements of article 26 of the eIDAS regulation**, its evidentiary effectiveness may **be affected in situations of dispute**, since the burden of **proof regarding compliance with its requirements falls on the signatory**. In many cases, it is sufficient for commercial transactions and internal agreements, where the risk is moderate. * [**Qualified electronic signature**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies)It is **legally equivalent to the handwritten signature according to article 25.2 of eIDAS**. Thanks to the mandatory use of a **qualified device and certificates issued by a QTSP** (Qualified Trust Service Provider), it offers maximum legal certainty. In litigation, the presumption of integrity and authenticity rests heavily on the qualified signature, facilitating dispute resolution and reducing the burden of proof for the company. That is why, although both signatures generate legal effects, it is important to know **which** [**type of electronic signature**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) best suits your company's needs**.** The **qualified electronic signature** is recommended for documents or transactions of high legal value, while the **advanced electronic signature** is sufficient for most commercial processes. ## **Differences between the different types of electronic signatures: simple, advanced and qualified according to eIDAS.** The **eIDAS regulation establishes a unified legal framework in the European Union** for the use of **electronic signatures**, clearly differentiating three levels of legal guarantee. Although **all electronic signatures have legal effects** and are admissible as evidence in legal proceedings, the regulation distinguishes that the **simple electronic signature, although valid, does not confer the same presumption of integrity and authenticity as the advanced electronic signature**. In the case of the latter, although it is **recognized as having a higher evidentiary value compared to the** [**simple electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation) **(SES)**, the burden of **proof falls on the signatory** to demonstrate that all the requirements established by law have been met.  For its part, **the qualified electronic signature is the only signature that, according to the eIDAS framework, is automatically equated with the handwritten signature**. This means that, in **any litigation, the presumption of validity rests on the signature itself**, resulting in **mutual** legal recognition in **all EU member states** without the need to additionally prove its integrity or the identity of the signatory.  In essence, while **simple and advanced electronic signatures offer legal validity**, only **qualified signatures provide a full regulatory guarantee** that minimizes the burden of proof and ensures legal interoperability throughout the Community. ### **Characteristics of the Advanced Electronic Signature (AES)** The **Advanced Electronic Signature** is based on a **regulatory framework that guarantees a high level of security** without reaching the strictest requirements of the qualified signature. Its main characteristics are: * It is exclusively linked to the signatory. * Allows the signer to be clearly identified. * It is created using data controlled only by the signatory. * Ensures that any modifications to the document are detected. ### **Qualified Electronic Signature (QES) features** The **Qualified Electronic Signature incorporates all the guarantees of the advanced electronic signature**, but adds additional measures that place it at the highest level of legal trust. * It includes all the guarantees of the advanced signature. * Requires the use of a qualified signature creation device (QSCD). * It is based on qualified digital certificates issued by a QTSP. * It is legally equivalent to a handwritten signature in all EU member states. ## **What types of documents require a qualified signature instead of an advanced signature?** Although **qualified electronic signatures** offer the highest level of security, in practice **they are not necessary for the vast majority of commercial transactions**. The complexity and cost associated with its implementation make it less practical for everyday use. For most **B2B and B2C transactions**, it is preferable to opt for an **advanced electronic signature** or even an **advanced biometric electronic signature** combined with [**KYC processes**](https://www.tecalis.com/blog/kyc-know-your-customer). These options provide **robust security and ensure document integrity** without incurring the complexity of a qualified signature. **Qualified electronic signature is mainly recommended for:** * **Procedures with Public Administrations:** Official documents, bids, high-value contracts that require strict validation. * **High-risk B2B financial transactions:** Large banking transactions or financial contracts where maximum collateral is essential. **Advanced biometric electronic signatures** in conjunction **with KYC processes are the secure choice for** environments that require the **highest security**, while **advanced electronic signatures are ideal for most business needs** with your customers. Both options enable integration with digital systems, **reduce costs and time, and streamline management**. ### **What should a good e-signature platform look like?** An electronic signature platform must meet several essential elements to ensure security, ease of use and regulatory compliance: * **Regulatory compliance:** The solution must be certified and comply with the eIDAS regulation, ensuring that the appropriate standards (XAdES, PAdES, CAdES or ASiC) are used to guarantee the legal validity of the signatures. * **Integration of advanced authentication:** The incorporation of [**multi-factor authentication methods**](https://www.tecalis.com/products/authentication) (e.g., sending OTP codes or biometric verification) and KYC processes is key to ensuring the signer's identity, especially in **biometric advanced electronic signatures**. * **Ease of use and intuitive interface:** The user experience should be seamless, allowing the signing process to be completed in seconds without requiring advanced technical knowledge. * **High availability and scalability:** The platform must be able to handle high volumes of documents and signatures without affecting the speed of the service. * **Data security:** Implementation of strong encryption, secure storage of certificates and signatures, and compliance with data protection regulations such as the GDPR. * **Technical support and continuous updating:** Efficient customer service and periodic updates to ensure compliance with new standards and regulations. * **Customized signature options:** The possibility of choosing between advanced or qualified electronic signature, depending on the nature of the document, is essential to adapt to different use cases. By opting for a platform such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature/free-vs-paid-features), you ensure that both the signature process and the validation and storage of documents are carried out efficiently and securely. ## **Cases of use of electronic signatures by sector** The adoption of electronic signatures has enabled companies in various sectors to digitally transform their processes. Here are some practical examples: ### **Banking and Financial Sector** * **Contracting and account opening:** Banks can streamline account opening and contract signing through **advanced electronic signatures**. For high-risk transactions or signing complex legal documents, the biometric option combined with KYC is recommended. * **Credit and financing processes:** Digital validation of documents allows for reduced approval times and improved traceability of financial transactions. ### [**Insurance Sector**](https://www.tecalis.com/blog/insurance-sector-what-is-faq-questions-market-policies-today) * **Policy contracts and claims:** Advanced electronic signatures allow both clients and agents to sign documents remotely, ensuring policy integrity and expediting the claims process. * **Customer onboarding:** The integration of KYC processes with biometric signature facilitates customer onboarding and reduces the risk of fraud. ### [**Real Estate Sector**](https://www.tecalis.com/blog/news-real-estate-sector-current-market-report-industry-new-what-is) * **Signing of leasing and purchase and sale contracts: Advanced electronic signature** is sufficient for most of these contracts, while for higher value transactions or with public entities, qualified signature can be used. * **Booking agreements and agency contracts:** These documents can be managed digitally, reducing the need for physical presence and speeding up the closing of agreements. ### **Human Resources and Internal Administration** * **Employment contracts and internal agreements:** Advanced electronic signatures enable companies to manage hiring and other internal documents quickly and securely. * **Payroll and authorization management:** The use of digital signatures reduces bureaucracy and enables secure and accessible digital archiving. ### **Public Sector** * **Administrative procedures and tenders:** In these cases, **qualified electronic signature** is the preferred option, since the highest level of legal guarantee is required to interact with administrations and comply with strict regulations. * **e-Government Services:** The integration of platforms such as AutoFirma in the Spanish Government demonstrates how the identity and integrity of documents can be guaranteed in the public sector. ### **Other sectors (Education, Retail, Health)** * **Education:** Universities and training centers can use electronic signatures for the validation of certificates, issuance of diplomas and collaboration contracts. * **Retail and e-commerce:** The advanced electronic signature streamlines the acceptance of terms and conditions and the formalization of agreements with suppliers. * **Healthcare:** Informed consent processes and medical records management benefit from the security and traceability offered by digital signatures. --- ## What is a digital kiosk? What models exist, types, uses and how to choose **URL:** https://www.tecalis.com/blog/kiosk-digital-kiosks-multimedia-models-personalized-digital **Descripción:** A digital kiosk is an interactive self-service terminal that offers information and services in an unattended manner. The use of new media such as **digital kiosks** has transformed the way in which companies and users interact in public and private spaces. Thanks to their **versatility, customization capacity and potential to optimize processes**, digital kiosks have become an essential tool in **sectors** such as **telecommunications, banking, tourism or mobility**, among others. This article delves into the concept of **digital kiosk**, its **fundamental characteristics**, the different **types and models** available on the market, as well as its **practical applications** in various sectors. We will also analyze the **key factors** to consider if you are **thinking of integrating a digital kiosk** into your company's operations and the **customization possibilities that Tecalis offers**. ## **What is a digital kiosk?** A **digital kiosk or** [**self service kiosk**](https://www.tecalis.com/blog/self-service-kiosk-models-uses-features-auto-sales-adaptable) is a **stand-alone interactive terminal** equipped with advanced technology, designed to **provide information, services or products** to users independently, **without the need for direct human intervention**. These devices combine specialized hardware with intuitive software to create a **user-friendly interface** that **facilitates interaction** between users and digital information or services.  A digital kiosk (also known as **[interactive kiosk](https://www.tecalis.com/blog/interactive-kiosk-multimedia-kiosks-personalized-tpv-signage)** or **multimedia kiosk**) primarily seeks to **optimize processes and reduce costs**, while offering advantages such as **24-hour availability and reduced waiting times**. This frees up staff for more important activities, provides useful information about users and ultimately increases customer satisfaction. Digital kiosks represent a significant evolution of traditional static information points, **incorporating interactive capabilities** that allow users to make **inquiries, transactions and access multimedia content dynamically**. These self-service terminals have been progressively integrated into numerous public and private spaces, **transforming the way organizations interact** with their customers and visitors. According to a **[MarketsandMarkets on digital kiosks report](https://www.marketsandmarkets.com/Market-Reports/interactive-kiosks-market-221409707.html)**, the global market for these devices will reach **US$30.8 billion by 2026**, with an annual growth rate of 6.3%. This growth is driven by the **demand for automation and personalization in customer services**. ### **Components of digital kiosks** The functionality and robustness of **digital kiosks** and [**self-service kiosks**](https://www.tecalis.com/products/kiosk-terminal-interactive-identity-self-service-atm-pos) depend on the harmonious integration of various hardware and software components. Although the exact configuration may vary depending on the purpose and usage environment, the three fundamental elements are typically as follows: * **Hardware:** these are the physical elements of the device. These include the **screen**, generally touchscreen for interaction, the **internal computer** to run the applications, and the **protective casing**. The latter is designed to ensure durability and safety in public use environments, often being robust and even vandal-resistant. It is complemented by various **peripherals depending on the** specific **function** of the kiosk, such as printers for tickets or receipts, QR code, barcode or document scanners, bank card readers, ID readers, cameras, keyboards or payment systems, etc. * **Software:** comprises the programs that run the kiosk. It consists of the **operating system**, the **kiosk-specific application** and, frequently, **remote management software**. The latter is crucial to the operation, as it **allows** administrators **to monitor the status of the kiosks, deploy content or software updates, and perform maintenance tasks** from a remote central location. * **User Interface (UI):** it must be **simple, clear and easy to use**, allowing people with different levels of technological skills to interact with the **digital kiosk** intuitively and without frustration. A **good UI is crucial** to ensure user adoption and, therefore, the overall success of the kiosk implementation. The correct integration of these elements is essential for the correct operation of a digital kiosk, since it **allows its adaptation to the particular requirements of each usage environment and ensures a satisfactory user experience.** ### **Characteristics of a digital or multimedia kiosk** * **Intuitive interface:** Digital kiosks facilitate **two-way interaction**. Users can **enter information, make selections and complete actions** using **touchscreens, scanners or keyboards**. * **Self-service:** Allow customers to **perform various tasks independently (payments, registrations, inquiries, orders)** at any time, operating without constant supervision. This **reduces dependence on personnel and waiting times**. * **Data collection:** They have the ability to **record how users interact with them**. This information (usage patterns, preferences, etc.) is very useful for **analyzing performance, optimizing user experience and making** informed **business decisions.** * **Versatility:** These systems are **adaptable to multiple situations**, allowing them to **adapt to the specific needs** of each company and application, facilitating from the issuance of SIM cards to the management of event tickets. These characteristics not only define their performance, but also determine its effectiveness and acceptance by users. ## **Digital kiosk types and models** Digital kiosks present a wide variety of configurations and designs that respond to **specific needs in different sectors and applications**. This diversity makes it possible to select the most appropriate solution for each context, optimizing user experience and operational efficiency. The classification of the type of digital kiosk can be made according to the physical format, functionality, usage environment and level of customization. ### **Classification according to physical format** The physical form of the **digital kiosk** is largely determined by its location, the space available and the type of interaction required. The most common formats include: 1. **Pedestal Kiosk (Freestanding):** These are freestanding units that rest directly on the floor. It is one of the most versatile and common formats. They can have one or several screens and offer enough internal space to integrate various peripherals (printer, POS, scanner). They are usually located in high traffic areas such as lobbies, shopping malls or airports. 2. **Wall-mounted Kiosk: Wall-mounted** kiosks are mounted directly on a wall, making them ideal for small spaces or hallways. They are usually thinner than pedestals kiosks and are commonly used for quick information consultation, access control or simplified check-in. 3. **Countertop/Desktop Kiosk:** These are smaller units designed to be placed on a counter, desk or table. Perfect for check-in points, satisfaction surveys, in-store product catalogs or as information terminals in reception areas. 4. **Outdoor Kiosk:** Specifically designed to withstand inclement weather (rain, dust, extreme temperatures, direct sunlight). They feature sealed enclosures (high IP rating), internal climate control systems and high brightness displays readable under direct sunlight. 5. **Tablet-based kiosk:** Uses tablets integrated into secure enclosures (pedestal, wall or desktop). They are a more economical option for simple functionalities. 6. **Modular Kiosk:** Designed with a base structure that allows adding or interchanging peripheral modules according to the specific needs of the application. They offer flexibility to adapt the kiosk to different functions or upgrade it in the future. ### **Classification according to function** Another way to classify **digital kiosks** is according to the main task they perform, the most common types are: **Information kiosks** They function as interactive consultation points, offering quick access to useful data such as maps, service directories, updated schedules or product catalogs on a stand-alone basis. **Transactional kiosks** They facilitate commercial or **financial** transactions in a secure and autonomous manner. For example, [**self-service banking kiosks**](https://www.tecalis.com/blog/kiosks-auto-service-interactive-fintech-revolution-banking-2025-fintech-trends) allow bill payments, purchase products or services (such as tickets or SIM cards), top up credit or issue/print tickets and receipts, and are often available 24/7. **Wayfinding kiosks** They are specialized in orientation within large and complex spaces (hospitals, airports, shopping malls). They use interactive maps to generate and display clear visual and step-by-step routes to the user's desired destination. **Self-service / check-in kiosks** They automate and streamline registration, admission or service initiation processes. They are common for check-in for flights or hotels, patient admission at clinics, or registration at events, significantly reducing queues, manual work and time spent in [**identity verification**](https://www.tecalis.com/blog/identity-verification-kyc-aml) processes. **Access management kiosks** These kiosks manage **[access control](https://www.tecalis.com/blog/access-control-accessing-controller-controls-system-security-systems-facilities)** in busy waiting areas. The user selects a service at the **digital kiosk** and receives a turn ticket, being able to follow the progress on informative screens. This improves the waiting experience and service efficiency. ## **What to consider when choosing digital or electronic kiosks** Selecting the **digital kiosk** model that suits your needs goes beyond just choosing the technology. To ensure that the investment meets the objectives, integrates well and delivers a good experience, it is essential to **carefully analyze several critical factors**. The following points detail the essential aspects to consider before making a decision: 1. **Space and Strategic Location:** Evaluate **dimensions** for **available space** without obstructing passage. Ensure good **visibility** and **accessibility** for all users, including those with reduced mobility, considering approach **from different angles**. The location should be intuitive within the environment. 2. **Clear Definition of Usage Objectives:** Specify the main purpose: **information**, **sales**, **registration**, **marketing**? This **functional priority** is vital, as it dictates the appropriate **hardware** (printer, POS, etc.) and **software** (interface, flow). A clear definition guides the right technology selection. 3. **Seamless Integration with Existing Systems:** Connection with internal systems (**CRM,** [**BSS**](https://www.tecalis.com/blog/bss-what-is-how-it-works-business-support-system-telecommunications-oss)**, ERP, payment gateways, DB**) is crucial. **API compatibility** ensures an efficient and real-time **data flow** between the kiosk and other enterprise systems, avoiding duplication and manual processes. 4. **Total Cost of Ownership (TCO) Analysis:** Calculate the **Total Cost of Ownership (TCO)** beyond the initial price. Include **hardware**, **software licenses**, installation, **maintenance** (support contracts), **connectivity** and **possible upgrades**. This provides a complete and realistic long-term financial view. 5. **Durability Assessment and Maintenance Plan:** Prioritize **robust materials** and **vandal-resistant** design for intensive or public use. Consider **ease of access to internal components** to expedite repairs. A clear **technical support SLA** from the supplier is essential to minimize downtime. 6. **User Experience (UX) Prioritization:** An optimal **User Experience (UX)** is key to adoption. This includes proper **ergonomics**, a readable and responsive **screen**, fast system **response times**, and a **clear**, simple and intuitive **interaction flow** from start to finish. ## **Use cases of digital kiosks by industry** The adaptability of **multimedia digital kiosks** has enabled their implementation in virtually all sectors. Their ability to **automate processes, improve customer experience and provide accessible information** makes them a valuable tool. Let's take a look at some examples highlighted by industry: ### **Telecommunications Sector** Digital kiosks are transforming **SIM card acquisition** in the [**telecommunications sector**](https://www.tecalis.com/industries/telecommunications). Whether at an **airport, store or partner point of sale**, the customer can **autonomously manage** the entire process: from **choosing a plan and card**, to **paying and receiving the activated SIM** on the spot. This innovation not only speeds up delivery, but also redefines the customer experience, offering speed, autonomy and modernity. ### **Banking and FinTech** In conjunction with a traditional ATM, the **digital kiosk** in **retail stores, shopping malls, airports** and **[financial establishments](https://www.tecalis.com/industries/banking-financial-services-fintech)** offers greater functionality as a service point. They can be programmed for specific tasks, such as **issuing cash cards**, **processing secure payments** or **supporting bank branches**, thus reducing the burden on staff. The incorporation of card readers and printers makes them powerful tools for **streamlined sales and financial operations management**. ### **Mobility Sector** For the [**leasing, sharing and mobility industry**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing), digital kiosks centralize key functions. Through them, a user can **view available vehicles, proceed to rent the chosen one and take out** associated **insurance**, all in a single interface. They also allow **extras** to be **added and the reservation** to be **managed**. This ability to **complete the booking quickly and easily** is especially valued at rental outlets and dealerships, greatly improving customer satisfaction. ### **Tourism Sector** **Digital kiosks** act as a **virtual reception** in the [**hotel and tourism sector**](https://www.tecalis.com/industries/tourism-leisure-hospitality-hotels-activity-horeca). They facilitate **fast check-in** by allowing guests to **pre-register online, collect their documents and key/card directly at the terminal** upon arrival, skipping the waiting time. This automated process **optimizes reception tasks and speeds up check-in**. In addition, **integration with the PMS enables the automatic sending of required information**, offering a better experience without interruptions from the very first moment. ## **Possibilities for customization of a digital kiosk** One of the great advantages of the **digital kiosk** is its high degree of customization, allowing it to **adapt not only functionally but also aesthetically** to the needs and identity of each organization. Customization encompasses both hardware and software: ### **Hardware customization** The **digital kiosk** hardware is **highly customizable** to suit every need, starting with the **physical format** (floor, wall or desktop) and the **housing materials** (such as steel, aluminum or even wood), designed according to aesthetics and security requirements.  The **visual identity** is reinforced with colors from the RAL range and customized vinyls with logos or corporate images. The configuration includes the **screen** (size, orientation) and a **precise selection of key peripherals**: NFC readers, barcode readers, national ID/passport, pin pads, cameras, presence sensors and receipt printers, the latter essential for **POS functions**. ### **Software Customization** Software customization is key to **adapt digital kiosks to specific objectives and corporate identity**. This ranges from a **UI design** fully aligned with the brand (colors, logos, typography) and a **UX optimized** to be intuitive and efficient, to the presentation of dynamic content and multi-language support. Basically, **customized functionalities** are developed and **specific integrations** are made **via APIs** with backend business systems such as CRMs, ERPs, PMSs or payment gateways, as well as the configuration of **analytics and security levels**. **Tecalis** develops end-to-end solutions, such as its **Kiosk Cloud and Customer Hub** platforms, which **optimize daily operations, data integration and remote updates**. ### **Features included when using Tecalis Kiosks and Kiosk Cloud** **Tecalis interactive kiosks** incorporate **Kiosk Cloud**, a pre-installed software that acts as **a robust and scalable platform for comprehensive remote management**. From a **centralized console**, it allows control of all aspects of the device: **operating system, drivers and software updates automatically**; configuration of interfaces and peripherals; and constant monitoring with real-time alerts for proactive maintenance.  Its API facilitates **integration with other enterprise systems**, allowing you to **customize workflows** and ensure that the kiosk always offers up-to-date information and an optimal user experience, minimizing downtime. **Tecalis** complements its hardware and remote management with its [**Customer Hub**](https://www.tecalis.com/es/productos/customer-hub-ventas)**, a comprehensive solution to enhance customer interaction, manage your kiosk network from this platform** and optimize multichannel commercial management. --- ## What is KYC in crypto and what is it for? **URL:** https://www.tecalis.com/blog/verification-KYC-crypto-currencies-what-is-exchanges **Descripción:** KYC is a must-have tool for cryptocurrencies. It ensures the identity of the owner, complies with MiCA and fights money laundering. The **cryptocurrency sector** has experienced **exponential growth in** the last decade, attracting both individual investors and financial institutions. In this context, the **KYC** process **in crypto** has acquired a **fundamental relevance** in customer registration, becoming a **pillar for its regulation, security and legitimization of the sector**. This requirement, which initially seemed to contradict the decentralization and privacy principles of cryptocurrencies, has become an **indispensable element for exchange platforms, digital wallets and any service that facilitates transactions with digital assets**. Implementing a **robust cryptocurrency KYC process** not only helps your business **comply with the law** and **avoid hefty fines**, but also **protects your users**, **ensures the integrity of your operations** and **fosters greater trust in the crypto market** as a whole. ## **How KYC processes work in the cryptocurrency industry** **KYC processes in crypto**, especially in **centralized exchanges (CEX)** and other platforms that facilitate the **purchase, sale or exchange of digital assets for legal tender**, follow a **structure similar to that of traditional banking**, although adapted to the digital environment. The objective is to **establish** with a reasonable degree of certainty that a **customer is who they say they are**. Generally, the process is initiated during the **user's registration or onboarding** on a platform and usually consists of the following **steps**: **1\. Customer Information Collection (CIP - Customer Identification Program)** * **Basic Information**: **Full name, date of birth, residence address, nationality** and, in some cases, tax identification number. This is known as [**KYC Form**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data). * **Identity Documentation**: The user is required to upload a scanned copy or high quality photograph of an **official government-issued identity document**. Commonly accepted documents include passport, DNI (Documento Nacional de Identidad) or driver's license. * **Proof of Address**: Some platforms, **especially for higher verification levels** or for users from certain jurisdictions, may require a **recent document** (usually less than 3 months old) **verifying the** user'**s residential address**. This can be a utility bill (water, electricity, gas), a bank statement or an official government letter. **2.** [**Identity Verification**](https://www.tecalis.com/blog/identity-verification-kyc-aml) * **Documentary Verification**: The platform analyzes the **authenticity of the documents** submitted, checking watermarks, holograms (if visible in the image), typography, and the consistency of data. Automated tools and sometimes manual review are used. * **Biometric Verification (Proof of Life or Liveness Check)**: To prevent **identity theft** through the use of photos of stolen documents, some platforms such as Tecalis Identity implement a **proof of life**. This often involves the user taking a **real-time selfie**, sometimes performing specific actions such as blinking, smiling or turning their head, to **prove that they are a real, present at the time of verification.** Some technologies compare this selfie to their ID photo. * **Video Verification**: In higher risk cases or for certain services, a **short video call** with a platform agent may be required to **confirm the** user's **identity** in real time. **3\. Customer** [**Due Diligence**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) * **Risk Assessment**: The platforms assign a **risk level to each client** based on the information provided, their geographic location, the type of transactions they intend to perform and their volume. * **Cross-referencing with Sanctions Lists and PEPs**: Customer data is cross-referenced with global databases that include **international sanctions lists** (such as UN, OFAC, EU), **politically exposed persons (PEPs)** and watch lists related to criminal activities. This helps identify whether the customer is involved in illicit activities or represents a high risk. **4\. EDD - Enhanced Due Diligence** For clients identified as **high risk** (e.g. PEPs, individuals from high-risk jurisdictions or those conducting high-volume transactions), **more comprehensive verification measures** are applied. This may include requesting information on the **source of funds (SoF - Source of Funds)** or **source of wealth (SoW - Source of Wealth)**, as well as more detailed scrutiny of their transactional activities. **5\. Continuous Monitoring** KYC is not a one-time process. Platforms must **continuously monitor** their customers' **transactions for suspicious or unusual patterns** that may indicate **money laundering** or other illicit activities. This can lead to additional requests for information or even account blocking if fraudulent activity is confirmed. The implementation of **KYC processes in the** [**cryptocurrency industry**](https://www.tecalis.com/industries/crypto-exchanges-trading-forex) has several **key objectives**: * **Prevention of money laundering (**[**AML**](https://www.tecalis.com/blog/aml-anti-money-laundering)**)**: By verifying the identity of users, the use of platforms for illicit activities, such as money laundering, becomes more difficult. * **Regulatory compliance**: Financial regulations in many jurisdictions require cryptocurrency platforms to implement KYC measures to operate legally. * **User security**: By confirming the identity of users, the risk of fraud and identity theft is reduced. These processes, while they may vary slightly across platforms, are at the **core of cryptocurrency KYC processes**. Their implementation seeks to **balance the need for security and compliance with user experience**, a constant challenge in the industry. ## **Why is KYC important when working with cryptocurrencies?** **Cryptocurrency KYC** processes benefit all players in the sector, from individual users to the industry as a whole, and are crucial for **user protection and the security of their funds** on crypto-asset platforms. By verifying identity, **identity theft and unauthorized access** are **prevented**, allowing legitimate account holders to recover their accounts. It also **makes fraud more difficult** by preventing fraudsters from operating under false identities. Platforms with robust KYC processes are **committed to overall security** under a regulatory framework and the identification of parties is vital in case of disputes or suspicious activity. Together with **anti-fraud controls and AML/CFT compliance**, it combats money laundering and terrorist financing by **linking transactions to real identities**. This makes anonymity more difficult and allows illicit funds to be traced, which is crucial for platforms and authorities to **detect suspicious activity and transaction patterns** indicative of financial crime. KYC processes in the cryptocurrency industry, although they add steps to [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees), are fundamental to ensure its security. They allow a **relationship of trust** to be **established** with the user, who feels more secure knowing that the platform rigorously verifies identities, and ensures **regulatory compliance from the outset**. These processes are essential to **foster the legitimacy and mass adoption of cryptocurrencies**. These processes generate **greater confidence in institutional investors and large corporations** by signaling regulatory maturity and seriousness in the sector. In addition, adopting robust KYC processes **facilitates constructive dialogue with regulators**, which can lead to clearer and more favorable regulatory frameworks, and is crucial for **smooth integration with the traditional financial system** by complying with its regulatory standards. In summary, while **cryptocurrency KYC processes** may introduce additional steps in onboarding, their role is **vital** to **protect users**, **combat financial crime** and build a **safer and** more **legitimate** cryptoasset ecosystem in the long term. Solutions like **Tecalis Identity** are critical for companies to meet these **regulatory imperatives**, **strengthening the trust** and security of the ecosystem. ### **KYC in cryptocurrencies and crypto exchanges** While the need for KYC processes in **cryptocurrency acquisition and crypto exchange registrations** is increasingly accepted to combat illicit activities, [**prevent fraud**](https://www.tecalis.com/blog/fraud-prevention-solutions-detection-software-mechanisms-companies-advice-bank-financial-laws-services) and **comply with regulations**, their implementation is not without significant challenges and controversies. These issues range from technical and operational difficulties to **philosophical clashes with the founding principles of cryptocurrencies**. The implementation of **KYC** processes **in cryptocurrencies contradicts** the **founding principles** of **decentralization and privacy**, and is seen by many as an ideological betrayal that reintroduces surveillance and centralized control, **eroding anonymity**. This **philosophical conflict** persists in the crypto community. **Fake IDs** and **deepfakes** are **growing threats** to cryptocurrency KYC controls. These deepfakes, generated with artificial intelligence, are sometimes able to **bypass biometric verification** and proof of life, facilitating the **creation of fraudulent accounts**.  **Failure to comply with** [**KYC/AML procedures**](https://www.tecalis.com/blog/kyc-kyb-aml-fraud-prevention-money-laundering-news-trends) in the cryptocurrency market carries **regulatory risks**, including **heavy fines**, **revocation of licenses** and the **criminal prosecution of managers**. **Privacy-focused cryptocurrencies** such as Monero, Zcash and Dash **offer anonymity**, attracting privacy-seeking users while also **concerning regulators** because of their potential illicit use and **lack of KYC controls**. Many exchanges have stopped offering these coins to **avoid regulatory issues**. ## **Cryptocurrency KYC regulatory framework: Key regulations (eIDAS, MiCA, FATF...)** The **regulatory environment** governing **KYC processes in the cryptocurrency industry** has undergone an **accelerated evolution** in recent years, moving from an almost absolute **legal vacuum** to an **increasingly defined and demanding framework**. This regulatory development reflects the growing importance of digital assets in the global financial system and the concern of regulators to **ensure their legitimate use**. Some of the most influential regulations and standards include **eIDAS, MiCA and recommendations from the FATF.** **eIDAS (electronic IDentification, Authentication and trust Services)** The European Union's [**eIDAS regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), although not specifically designed for cryptocurrencies, is crucial in **digital identity verification**, establishing a **framework for electronic identification and trust services** in the EU. It provides **standards for digital identification** in **cryptocurrency customer onboarding** processes and seeks to increase the security and interoperability of digital identities to function effectively between different countries. The future revision, [**eIDAS 2.0**](https://www.tecalis.com/ebooks-whitepapers/eidas2-eudi-wallet-european-digital-identity), will introduce the **European Digital Identity Wallet (EUDI Wallet)**, which could transform the way cryptocurrency KYC processes are conducted. [**MiCA (Markets in Crypto-Assets)**](https://www.tecalis.com/blog/law-mica-regulation-future-crypto-trading) The **Markets in Cryptoassets Regulation (MiCA)** is designed to create a **joint regulatory framework** for **cryptoassets** and **related service providers** (CASPs) within the EU. The MiCA regulation, which will be **progressively implemented**, imposes **strict requirements on CASPs**, including the obligation to **obtain licenses**, maintain sufficient capital, **protect client funds** and, crucially, to implement **AML and KYC procedures in the cryptocurrency industry**. Under this regulation, service providers will be required to: * **Identify and verify the identity of their customers**. * **Apply customer due diligence measures**. * **Monitor transactions** for suspicious activity. * **Comply with the FATF "Travel Rule"** for cryptoasset transfers. This regulation seeks to **increase transparency,** [**reduce fraud**](https://www.tecalis.com/blog/fraud-crypto-currency-cryptos-types-kyc-mica-aml-markets)**, investor protection and market integrity**, and is expected to have a significant impact on how **cryptocurrency platforms in Europe** and those serving European customers operate. ### **FATF/GAFI Recommendations and Standards** The **Financial Action Task Force (FATF)** has taken a central role in establishing **global standards for** cryptocurrency **KYC processes:** **1.** [**FATF Recommendations Update**](https://www.tecalis.com/blog/fatf-recommendations-gafi-2023-compliant): In 2018, the FATF updated its 40 Recommendations to explicitly include **virtual asset service providers** (VASPs), stating that they should be subject to the **same AML/CFT obligations as traditional financial institutions**. **2\. Definition of KYC standards**: FATF Recommendation 10 establishes **minimum due diligence requirements for clients that VASPs should apply, including:** 1. Identification and verification of customer identity 2. Identification of the final beneficiary 3. Understanding the nature of the business relationship 4. Continuous monitoring of the relationship and transactions **3\. Travel Rule**: FATF Recommendation 16, known as the "Travel Rule," requires VASPs to **collect and transmit originator and beneficiary information on** cryptoasset **transfers**, setting a standard that has been adopted by key jurisdictions such as the United States, the European Union and Singapore. **4\. Mutual evaluations**: The FATF periodically evaluates member countries' compliance with its recommendations, which has led many jurisdictions to strengthen their KYC requirements for cryptocurrencies for fear of receiving negative evaluations that could affect their international financial relations. **5\. Updated guidance for virtual assets**: The FATF's 2021 guidance on virtual assets provides detailed clarifications on how **AML/CFT standards, including KYC requirements,** should be applied **to the cryptocurrency ecosystem**. **EU AML Directives (AMLDs)** The **5th Anti-Money Laundering Directive (**[**AMLD5**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation)**)** already brought virtual currency to fiat currency exchange service providers and e-wallet custodian service providers under the scope of EU AML/CFT regulations, **obliging them to apply KYC**. The AMLD6 strengthened certain provisions, and work is underway on a **new EU AML package** that will include an **AML Authority (AMLA)** and more detailed regulations. **National Laws** Each country is also developing or adapting its own laws. For example, **in Spain**, **Law 10/2010 on the prevention of money laundering and terrorist financing**, and its regulatory developments, establish **KYC/AML obligations** for obligated parties, including **cryptocurrency service providers**. **Bank Secrecy Act (BSA) and FinCEN (U.S.)** **In the United States**, the **Bank Secrecy Act (BSA)** requires financial institutions to **prevent money laundering**. The **Financial Crimes Enforcement Network (FinCEN)** has issued guidelines classifying certain cryptocurrency businesses as money transmitters, subject to **registration, KYC and AML** requirements. ### **Cryptocurrency KYC verification levels: What information is requested at each level?** Exchanges and platforms typically set **various levels of KYC verification** for registering or trading cryptocurrencies, each with **specific requirements and limits**: * **Level 1 (Basic)**: Requests **minimal information** such as name, e-mail and country of residence. This level allows trading with l**ow limits** and, in some cases, without the need for additional documentation. * **Level 2 (Intermediate)**: Requires **presentation of official documents** (ID card, passport, driver's license) and sometimes proof of address. Deposit and withdrawal **limits increase considerably**. * **Level 3 (Advanced)**: Includes **biometric verification** (selfie, facial recognition), **source of funds declaration** and, for institutional users, corporate documentation. Allows operating with **high volumes** and access to advanced services. The KYC process may include **digital forms**, **document uploads**, **real-time validation** and, in high-risk cases, **interviews or manual reviews** by exchange staff. Another verification method is **KYC forms, which collect personal, financial and economic activity data** from customers to **comply with regulations**. They are essential in the [**BFSI sector**](https://www.tecalis.com/blog/bfsi-banking-financial-services-insurance-sector-industry-companies-market-companies-what-is) (Banking, Financial Services and Insurance), and are used in **onboarding** and for **periodic updates**, and can result in **account blocking if the required information is not provided**. ## **Protection of personal data in cryptocurrency KYC processes** The collection of large amounts of **personally identifiable information (PII)** during **cryptocurrency KYC processes** raises important **data protection** issues. Cryptocurrency platforms implementing KYC become **custodians of** extremely sensitive **data**, forcing them to adopt robust measures to ensure their security and comply with privacy regulations, with the European Union's **General Data Protection Regulation (GDPR)** being one of the **most influential frameworks** globally. The [**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) **sets out key principles** for the **processing of personal data** that cryptocurrency platforms must observe: * **Lawfulness, fairness and transparency**: Platforms must clearly inform users **what data is collected, for what purposes** (KYC/AML), how long it will be retained and **what their rights are**. **Consent must be explicit** for uses beyond strict legal compliance. * **Purpose limitation**: Data collected for **KYC should only be used for that specific purpose** (identity verification, fraud prevention, AML compliance) and not for other purposes (such as non-consensual marketing) without additional permission. * **Data Minimization**: **Only data strictly necessary** to comply with KYC requirements **should be collected**. For example, if a basic level of verification only requires name and ID, proof of address should not be requested unless the user opts for a higher level or the regulation requires it for that level. * **Accuracy**: Platforms must take reasonable steps to ensure that **personal data is accurate and kept up to date**. They must provide users with **mechanisms to correct** their information. * **Storage Limitation**: Personal data **should not be retained longer than necessary** for the purposes for which it was collected. AML regulations often require the retention of KYC data for a specified period (e.g. 5 years) after the end of the customer relationship. After this time, the data must be **securely deleted or anonymized**. * **Integrity, confidentiality and security**: This is a critical aspect. Platforms must implement **robust technical and organizational measures to protect KYC process data** against unauthorized access, loss, destruction or damage. These include: * **Encryption**: Both in transit (when data is sent over the Internet) and at rest (when stored on servers).  * **Strict access controls**: Limit who within the organization can access KYC process data, based on the need-to-know principle.  * **Security audits and penetration testing**: To identify and correct vulnerabilities.  * **Incident response plans**: To effectively manage any data security breach. * **Proactive Accountability**: Platforms must be able to **demonstrate their compliance with the GDPR**. This involves keeping records of data processing activities, conducting data protection impact assessments (DPIAs) for high-risk processes, and, in some cases, appointing a Data Protection Officer (DPO). Protecting personal data collected during **cryptocurrency KYC** is not only a legal obligation, but also a crucial factor in maintaining user trust. A security breach that exposes **your customers' KYC data** can have **financial and reputational consequences for the platform, as well as for the affected individuals**. ## **Reducing the friction of KYC processes in cryptocurrencies** One of the biggest challenges to **user adoption and retention** on cryptocurrency platforms is the **friction inherent in KYC processes**. Procedures that are lengthy, confusing, require multiple attempts or are perceived as invasive can **frustrate users to** the point that **they abandon the onboarding process** altogether. **Reducing this friction**, **without compromising security or regulatory compliance**, is **crucial** to **improving user experience** and **conversion rates**. Tools such as [**Tecalis Identity**](https://www.tecalis.com/products/identity-verification) **and** [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) **reduce friction in onboarding** by **integrating the entire verification flow into a single platform**, complying with the most demanding regulations and minimizing the time and effort required by the user. The combination of these solutions offers: * **Fast digital onboarding**: Allows the KYC process to be completed in minutes, with automatic document validation and biometrics. * **Guaranteed regulatory compliance**: Adapts to local and international regulations, updated in the event of any legislative change. * **Optimized user experience**: Offers intuitive interfaces, multilingual support and real-time assistance to resolve issues. * **Fraud prevention**: They incorporate deepfake detection systems, behavioral analysis and cross validation to prevent impersonation and unauthorized access. * **Electronic signature and document management**: Facilitates contract signing and secure document management in the same onboarding flow. Adopting solutions such as those from **Tecalis** not only reduces friction and churn, but also improves the security, scalability and reputation of cryptocurrency-related platforms. --- ## How to sign documents online step by step for free **URL:** https://www.tecalis.com/blog/how-to-sign-document-online-free-sign-documents-pdf-word **Descripción:** The best option to sign documents online with full legal validity is to use a QTSP tool like Tecalis. Learn the step-by-step process here to do it for free and securely. In today's digital era, **signing documents online has become a fundamental necessity for professionals, SMEs, and individuals alike.** The ability to **sign** important documents **online without the need to print,** manually **sign** and **scan them** has completely transformed modern document management. Digital signatures not only **save time and reduce costs**, but also provide a **higher level of security** than traditional signatures, which facilitate the **verification of the signatory's identity** and guaranteeing the **integrity of the document**. Whether you need to **sign contracts, agreements, invoices** or any other type of important document, electronic signature solutions such as **Tecalis Sign** allow you to do so **from anywhere, anytime**. ## **What do you need to sign a document online?** To **sign a document online** with an electronic signature**,** the first step is to have it in a **compatible electronic format** (e.g. PDF, Word or image) that allows it to be uploaded and manipulated on an [**electronic signature**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) **platform.** It is not necessary to have an original paper file: a scanned or electronically generated copy is sufficient to acquire the same **legal validity** once signed. ### **Document in digital format** The first thing you need is the **document you want to sign in digital format**. The great advantage of **modern electronic signature platforms such as Tecalis Sign** is that they **accept virtually any file format**: * **PDF: The most common and recommended format** for documents requiring signatures. * **Word (.doc, .docx)**: [**Microsoft Word**](https://www.tecalis.com/blog/sign-Word-digitally-online-digital-signature-digital) text documents. * **Excel (.xls, .xlsx)**: Spreadsheets. * **Images (.jpg, .png)**: Scanned or photographed documents. * Other text formats: such as .txt, .rtf, etc. You can also use a **document in physical format (paper).** To use and sign it online, you will first need to digitize it by scanning or taking a clear picture with your smartphone. The **quality of the image is important to** ensure the legibility of the document. ### **Electronic signature tool** Next, it is essential to use a **device with a web browser or a compatible mobile application from a legitimate e-signature provider.**. To enable the signatory **to remotely access the signature environment** without the need to install additional hardware or software, you can use the web version (from both PC/desktop browsers and mobile devices) of an electronic signature platform like **Tecalis Sign**. Ideally, you should use a tool from a recognized trusted service provider such as Tecalis.  When creating the account (in some cases free of charge), the user defines the roles of each signatory and selects the type of signature: simple, advanced, or qualified, depending on the criticality of the document. ### **Good safety practices** It is essential that the electronic signature platform used has the maximum security guarantees and legal backing, as that offered by a [**qualified trust provider (QTSP)**](https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas). This ensures the integrity of the signature process and protects it from possible vulnerabilities, regardless of the tool used. ## **Steps to sign a document online** To **sign a document online with a digital signature**, you will need to have your **file in electronic format** and upload it to a **digital signature platform**. It is strongly recommended to use an electronic signature platform that offers an **optimized and legally validated process**, such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature). The general procedure is as follows: 1. **Document preparation:** Make sure the document is in its **final version** and no further modifications are anticipated. Perform a **complete review** of the content to avoid errors. 2. **Select the signature tool:** Opt for an **advanced electronic signature platform such as** [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature/free-vs-paid-features). These tools allow **direct integration of the signature process** and ensure that the document is **protected against** subsequent **alterations** in accordance with [**eIDAS**](https://www.tecalis.com/ebooks-whitepapers/eidas2-eudi-wallet-european-digital-identity) as it is a **QTSP** (Qualified Trusted Signing Provider of the European Union). 3. **Upload the document to the signature platform: Upload your file to the platform** and configure how it will be sent to the different signatories. After this, you can **add the necessary fields for the signature**, initials, date, etc. 4. **Include signature:** Once the signature is inserted, the document will display a **visual indicator confirming that it has been digitally signed**. Platforms such as **Tecalis Sign** offer the option to **add multiple signatures**, which is especially useful in documents that require validation from multiple departments or individuals. 5. **Additional security: Tecalis Sign** offers a **5-year escrow period** for your signed documents, or if you prefer, you can **integrate the already signed document via API into** your document repository. Using [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature/plans) **not only simplifies this process**, but also **reduces the risks** associated with handling digital certificates individually. With these steps, even users without advanced knowledge of technology can **sign documents online securely** and in **compliance with current regulations**. ## **Sign a legally valid document online** One of the most recurring concerns when considering the transition to digital signatures is their legal validity. It is essential to understand that **signing a document online** through specialized platforms and in compliance with current regulations offers full legal guarantees comparable to, and in some aspects even superior to, the traditional handwritten signature. **Applicable regulations** **eIDAS Regulation (European Union)**: This is the **reference regulation in Europe** for [**electronic signatures**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) **and identification**. According to eIDAS, a qualified electronic signature holds the same legal value as a handwritten signature. **Law on Electronic Trust Services (LSEC)**: In Spain, it regulates **electronic signature services** and the **custody of digital documents**. **What is an advanced electronic signature**?  According to Article 26 of the **eIDAS Regulation**, an **advanced electronic signature** must meet these requirements: * Be **uniquely linked to the signatory**. * Allow **identification of the signatory**. * Be created using data that the signatory can use under their **exclusive control**. Be linked to the signed data in such a way that **any subsequent modification is detectable**. This means that an **advanced electronic signature guarantees the integrity of the document and the identity of the signatory**, which makes it **valid as evidence in judicial and administrative proceedings**. **Data protection and security of custody** Professional electronic signature platforms implement **advanced security measures** to protect the **confidentiality and integrity of signed documents**. Best practices include: * **Secure and encrypted storage**: All signed documents are stored on secure and encrypted servers to prevent unauthorized access. * **Backup and redundancy**: Regular backups are made to ensure the availability and recovery of documents. * **Audit trail**: A detailed history of all actions performed on each document is maintained, allowing any manipulation to be traced. * **Restricted access**: Only authorized parties can access signed documents. * **Legal compliance**: Custody of documents complies with applicable national and international regulations. ## **Advantages of signing a document online** The adoption of **online document signing** systems transcends mere convenience; it represents a **strategic transformation** with multiple tangible and intangible benefits for organizations of any size and for individual users. Signing online unlocks **efficiencies and assurances** that traditional paper-based methods can hardly match. **1\. Significant Time and Cost Savings:** This is perhaps the most immediate and tangible advantage. Eliminating the need to print, manually sign, scan, mail or courier, and then physically file the documents translates into: * **Direct cost reduction**: Savings on paper, ink, toner, printers, scanning equipment, envelopes, stamps and courier services. * **Optimization of staff time**: Employees can spend less time on manual administrative tasks and more time on value-added activities. Approval and signature cycles are **reduced from days or weeks to hours or even minutes**. **2\. Exponential Efficiency and Productivity Improvement: Workflows are dramatically streamlined**. The ability to send a document to multiple signatories simultaneously (or in an automatically defined sequence) and receive real-time notifications on the status of the process **eliminates bottlenecks**. This is especially critical in processes such as staffing, commercial agreements, sales, and vendor management, where **speed is essential**. In addition, **integrations with other enterprise systems** (CRM, ERP, [**OSS/BSS**](https://www.tecalis.com/blog/oss-bss-operational-and-business-support-systems-what-is-difference-telecommunications), document management systems) can further automate these flows. **3\. Enhanced Security and Compliance:** Contrary to some initial perceptions, signing documents online through qualified platforms such as **Tecalis Sign** can be **significantly more secure** than handwritten signatures**:** * **Full traceability**: As detailed above, the **audit trail** provides an immutable record of all actions related to the document. * **Document Integrity**: Electronic signature technologies ensure that the document **cannot be altered after signing** without any such alteration being detectable. Cryptographic hash functions and time stamps are used. * **Signer Authentication**: **Multiple levels of authentication** can be implemented to verify the identity of signers (email, SMS OTP, [**biometric verification**](https://www.tecalis.com/products/identity-verification), etc.), making impersonation more difficult. * **eIDAS and** [**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) **compliance**: Reputable platforms are designed to comply with strict regulations, ensuring the **legal validity of signatures** and the **protection of personal data**. * **Secure Storage**: Electronically signed documents and their audit trails are stored in secure environments, often with encryption and backups, **protecting them against loss, damage or unauthorized access**. **4\. Global Accessibility and Convenience:** The ability to **sign documents online from anywhere in the world, at any time and from virtually any device** with an internet connection (computer, tablet, smartphone) is a transformative advantage. This **eliminates geographic barriers** and facilitates collaboration and business on a global scale. Signatories no longer need to be physically present to validate an agreement. **5\. Improved Customer and Employee Experience:** Offering a **modern, fast and simple** signing process **significantly improves the experience** for all parties involved. For customers, this can translate into increased **satisfaction and loyalty**. For employees, especially in roles such as sales or HR, it **simplifies tedious tasks**, allowing them to close deals faster and perform onboarding more seamlessly. **6\. Sustainability and Environmental Responsibility: Drastically reducing the use of paper** not only saves costs, but also **contributes to environmental sustainability**. Adopting electronic signatures is a step towards a **paperless** office and greener operations. **7\. Robust Legal Validity and Reduced Risk of Disputes:** Thanks to compliance with regulations such as **eIDAS** and comprehensive **electronic evidence collection**, documents signed online have a **solid legal basis**. Clarity about who signed, what was signed, when and how, along with the assurance of document integrity, **reduces the likelihood of litigation** and facilitates the resolution of any disputes that may arise. **8\. Ease of Search and Document Management:** Electronically signed documents are inherently digital, **making them easy to store, organize and search** in document management systems. Finding a specific contract or agreement becomes a **matter of seconds**, instead of having to dig through physical files. In short, the benefits of signing a document online are **compelling** and range from **operational efficiency** and **cost savings** to **improved security**, **compliance** and **user experience**, positioning this technology as an **essential** component **of** any entity'**s digital transformation.** ## **Best free online document signing tools** **Electronic signature platforms** are reaching a **level of maturity** that allows them to integrate with almost any workflow. Their functionalities often include **clean and accessible interfaces** with no learning curve, compatibility **with the most commonly used formats** (PDF, DOCX, images) and [**multifactor authentication**](https://www.tecalis.com/blog/multi-factor-authentication-mfa-multifactor-solutions-system-security-double) to **guarantee the signer's identity**. There are free plans, which usually offer a low number of **monthly deliveries**, **detailed auditing with timestamping**, **reusable templates**, **automated flows** and **APIs** that allow the **electronic signature** to be **integrated** directly into ERP systems, CRM or corporate websites. When considering a tool, it is wise to opt for those that, even in their free offerings, demonstrate a **commitment to professional standards and user security**, paving the way for possible **future scalability** if needs grow. In this context, solutions such as **Tecalis Sign** stand out because, even in their most accessible proposals, they are built on a technological foundation that **prioritizes security and regulatory compliance** from its conception. Although a completely free version may have functional limitations with respect to its superior plans, [**Tecalis Sign**](https://www.tecalis.com/news/tecalis-sign-free-electronic-signature-launch) offers a **secure, efficient** and fully **legally valid digital signature** experience, aligning with many of the desirable features mentioned above. --- ## Self service kiosk: Uses, models and features to consider before buying one **URL:** https://www.tecalis.com/blog/self-service-kiosk-models-uses-features-auto-sales-adaptable **Descripción:** A self service kiosk is an interactive terminal where users access services or products independently. Learn about its uses in retail, banking, healthcare and more. The implementation of the **self service kiosk** has **revolutionized the way companies interact with their customers**, transforming traditional processes that previously required human assistance into **fully autonomous experiences**. **Self service kiosks** represent a natural evolution in the digitization of services, offering **24/7 availability**, **reduced operational costs** and an **optimized user experience** that adapts to modern expectations of immediacy and autonomy.  The **self service kiosk** offers **multiple functionalities**, ranging from [**access control**](https://www.tecalis.com/blog/access-control-accessing-controller-controls-system-security-systems-facilities) to vending prepaid SIM cards to digital signage. This article analyzes in detail the **definition, types and characteristics** of these devices. We will discuss their characteristics, **current applications in various sectors**, the **customization options available** and the **aspects to consider when implementing a self service kiosk**. ## **What is a self service kiosk** **A self service kiosk** is an **interactive electronic device** that allows users to perform transactions, obtain information or complete specific processes **without direct human intervention**. These multimedia systems combine specialized hardware with intuitive software to create user interfaces that facilitate the **self-management of various services**. The **global market for self service kiosks** (or [**digital kiosks**](https://www.tecalis.com/blog/kiosk-digital-kiosks-multimedia-models-personalized-digital)), driven by the **need for automation and personalization in customer service**, will experience **6.3% annual growth**, reaching approximately $34.8 billion by 2028, according to a [**MarketsandMarkets report**](https://www.marketsandmarkets.com/Market-Reports/interactive-kiosks-market-221409707.html). One of the strengths of the self service kiosk lies in its ability to **improve efficiency**, **reduce wait times** and, in many cases, **operate continuously**. By delegating routine or transactional tasks to these machines, companies can **free up their staff** to concentrate on **more value-added functions**, such as personalized service or complex problem solving. Modern self service kiosks incorporate **robust operating systems** that ensure **stability and security in heavy-use environments**. Many models include **universal accessibility features**, such as audio options for the visually impaired, high-contrast interfaces, and ergonomic designs that facilitate use by people with reduced mobility. ## **Characteristics of a self service and autosale kiosk** The technical and functional characteristics of a **self service** or [**interactive kiosk**](https://www.tecalis.com/blog/interactive-kiosk-multimedia-kiosks-personalized-tpv-signage) determine its suitability for specific applications and its ability to deliver an optimized user experience. **Physical robustness** is critical, with enclosures made of rugged materials such as stainless steel or aluminum alloys that provide **protection** against harsh environmental conditions, vandalism and heavy use. **self service kiosks** offer customers the ability to perform various tasks **autonomously** (payments, registrations, inquiries and orders), **eliminating the need for assistance** and **shortening waiting times**. By operating **independently**, these kiosks **reduce the need for constant supervision** and, therefore, **dependence on staff**. The **modularity of the design** allows for **customization**, with **interchangeable components** that facilitate additional integrations without replacing the entire system. The **flexibility of the software** allows remote configuration of interfaces, updating of content and modification of workflows as operational needs evolve. **Remote management systems** represent an essential feature, allowing **real-time monitoring** of operational status, automatic software updates, configuration of operating parameters and **proactive diagnosis of problems**. These capabilities **significantly reduce maintenance costs and minimize downtime**. Finally, they stand out for their **versatility**, adapting to **various business needs and applications**, from **SIM card issuance to event access management.** ### **Key parts of self service kiosks** The **functionality and robustness** of **digital and self service kiosks** are based on the effective **integration of hardware and software**. While the precise configuration varies depending on use and context, **three key components** are generally identified: 1. **Hardware:** It is mainly composed of a **touch screen** for user interaction, an **internal computer** that runs the applications and a **robust**, often vandal-resistant **casing**, designed for **durability** and **security** in public spaces. Additionally, they can integrate various **peripherals** depending on their function, such as **receipt printers, QR code, barcode, or document scanners, bank or ID card readers, cameras, keyboards and payment systems**. 2. **Software:** Includes the **operating system**, the kiosk **application** and, often, **remote management software**. Remote management software is critical to the operation, allowing administrators to **monitor kiosk status, update content or software, and perform maintenance from a centralized location**. 3. **User Interface (UI):** It should be simple, intuitive and user-friendly, ensuring smooth interaction **for users with varying levels of technological competence**. A good UI is critical to the successful adoption of the kiosk and, therefore, to the overall success of your project’s **implementation**. ## **Self service kiosk classification by form and function** These devices, classified by their **physical form factor**, **functional capabilities** and **specific applications**, are valuable tools for **automating processes**, **improving customer experience** and **providing accessible information independently**. The classification of self service kiosks according to their **physical characteristics** is as follows: * **Freestanding Kiosks (Totem or Pedestal Type):** These models **stand on their own**, **standing** out for their often considerable design and their ability to catch the eye in crowded places, such as **lobbies of large establishments, shopping malls, transport terminals or exhibitions**. They offer generous space for corporate image and the **integration of a variety of complementary devices**. * **Wall-Mounted Kiosks: Anchored** directly to **vertical** walls, these units are ideal for optimizing floor space in corridors, anterooms or any environment where every meter counts. They tend to have a **more streamlined configuration** compared to floor-standing units. * **Countertop Kiosks:** These compact versions are designed to be placed **on service tables, bars or desks**. They are perfect for agile operations in **checkout areas or information points** where available space is limited. * **Outdoor Kiosks:** Manufactured to operate outdoors, these devices are prepared to **withstand inclement weather conditions**: precipitation, airborne particles, temperature variations and direct sunlight. They incorporate protective covers with a **high watertightness index, internal temperature control systems and displays** that ensure readability even in bright ambient light. ### **Self service kiosk functionalities**  **Self service kiosks** can also be grouped by **the type of primary activity** for which they are designed. Among the most widespread variants are: * **Information and Consultation Terminals:** Act as **interactive data centers**, independently providing **specific details** such as location guides, service directories, daily schedules or item inventories for user to review. * **Transactional Terminals:** These are designed to **process commercial or monetary transactions securely** and without external intervention. They allow, for example banking [**self service kiosks**](https://www.tecalis.com/blog/kiosks-auto-service-interactive-fintech-revolution-banking-2025-fintech-trends) allow to **pay invoices, purchase goods or services**, add credit to accounts, or **generate and issue receipts and vouchers**, often offering **continuous availability**. * **Wayfinding terminals:** These systems focus on **assisting in locating within large and intricately structured venues**, such as healthcare complexes, air terminals or large retail outlets. They use **dynamic floor plans** to plot and present **precise graphical directions** in a sequence of guidelines to the person's requested arrival point. * **Terminals for Self-Management of Registrations and Admissions (Check-in):** These devices **optimize the processing of registrations, admissions or the start-up of a service**. They are commonly used for the **confirmation of arrival** in air travel or hotel stays, the **admission of users in medical centers**, or the **accreditation for various events**, which helps to **reduce waiting times**, manual processing and the duration of credential verification procedures. * **Flow and Shift Management Terminals:** These systems are responsible for the **management of the public in crowded waiting areas**. The person chooses the desired service at the terminal and **obtains a numerical voucher or an order code**, being able to visualize **queue progress** on **displays**. This is intended to **optimize the waiting experience** and **improve overall service performance**. ## **Self service kiosk models and types: Considerations by Industry** The great diversity of **self service kiosk** models available on the market reflects the variability of **specific needs** of each industrial sector and type of application, demonstrating a remarkable **adaptability** that has allowed their implementation in practically all areas. In the [**telecommunications sector**](https://www.tecalis.com/industries/telecommunications), **digital kiosks** are **revolutionizing the way** customers **obtain their SIM cards**. These **self service points**, located in **strategic locations** such as airports, stores and partner establishments, allow the user to **manage from start to finish the acquisition of their SIM**. The process includes the **selection of the desired plan and card**, the **corresponding payment** and the **immediate receipt of the activated SIM**. In the **retail sector**, self service kiosks tend to focus on facilitating **checkout**, **product consultation** and **inventory management**. These models typically include **advanced barcode scanners**, **integrated weighing systems** for bulk products, and **multiple payment options** including **cash, cards and contactless mobile payments**. The **physical robustness** of these devices is crucial, as they must withstand **heavy use** in **high-traffic** retail environments. **Digital kiosks** are becoming **key tools** in the [**mobility sector**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing) (renting, sharing, etc.). They offer a **unified interface** for the user to **consult available vehicles**, **rent** them, **contract optional insurance**, **add extras** and **manage their reservation** in an agile **and simple** way. This functionality **optimizes the customer experience** at rental points and dealerships, **increasing customer satisfaction**. For the [**banking and financial sector**](https://www.tecalis.com/industries/banking-financial-services-fintech), self service kiosks require the **highest security standards**, including **end-to-end encryption**, **biometric authentication** and **compliance with international financial regulations**. These devices typically integrate **EMV card readers**, **cash dispensers**, **automated check deposit** and **advanced** [**identity verification**](https://www.tecalis.com/blog/identity-verification-kyc-aml) **technologies**. In the [**healthcare sector**](https://www.tecalis.com/industries/healthcare), kiosks must comply with **specific medical data privacy regulations** such as **HIPAA**, incorporate **automatic disinfection** functionalities, and offer **intuitive interfaces** for users of all ages and levels of technological literacy. In the [**travel and hospitality industry**](https://www.tecalis.com/industries/tourism-leisure-hospitality-hotels-activity-horeca), **self service kiosks** function as **virtual front desks**. **They streamline check-in** through **online pre-registration**, allowing guests to **obtain their documentation and room key/card directly upon arrival**, **avoiding queues**. This **automation optimizes reception** and **speeds up access**. Its **integration with the PMS** facilitates the **automatic sending of necessary information**, **improving the customer experience** from the beginning and without interruptions. ## **Adapting the self service kiosk to your needs** An outstanding quality of self service kiosks is their considerable **adaptability**, which allows them to be adjusted not only in their **operation** but also in their **appearance**, to meet **particular demands** and reflect the **branding of each entity**. This versatility extends to both **hardware** and **software components**. ### **Hardware adaptability** The **physical elements** of a self service kiosk can be **modified extensively** to suit different requirements. This begins with the choice of its structure-whether **freestanding, wall-anchored or designed as a countertop-and the materials of its enclosure**, such as steel or aluminum, or even wood finishes, selected according to **visual design criteria and protection requirements**. The **brand image** is consolidated through the application of **specific shades** and **decorative stickers** with distinctive company logos or graphics. The configuration also encompasses the **display device**, considering its **dimensions** and whether it **will be arranged vertically or horizontally**, as well as a careful choice of **vital complementary devices**. These include proximity sensors such as **NFC**, **optical readers** for various codes (barcodes, QR) or official identity documents, **numeric keypads for secure transactions (pinpads)**, image capture units, motion detectors and **receipt printing equipment**, the latter being crucial for **point-of-sale (POS) operations**. ### **Software Adaptability** **Software** modification is essential for the self service kiosk to meet **specific goals** and align with the **company's image and identity**. This involves creating a **user experience (UX)** that is **consistent with the brand in** terms of color palette, emblems and lettering style, and designing a **user interaction (UI)** that is **easy to use and effective**. It also includes the ability to display **variable information** and provide **multiple language support**. Crucially, **specific functional capabilities** are developed as needed and **particular connections** are established (through Application Programming Interfaces or **APIs**) with the **company's internal IT systems**. These may be customer relationship managers (**CRM**), enterprise resource planning systems (**ERP**), hotel management systems (**PMS**) or various **electronic billing platforms**. In addition, the parameterization of **data analysis tools** is performed and **protocols for the safeguarding of information** are defined. ### **Kiosk Cloud: Total Management for Tecalis Kiosks** At **Tecalis** we develop **comprehensive proposals** that include the **Kiosk Cloud** and [**Customer Hub**](https://www.tecalis.com/products/customer-hub-sales) tools. These tools are designed to **improve the day-to-day management** of kiosks, facilitate **data connectivity** and enable **remote** device **updates**. The self service kiosks offered **by Tecalis** integrate **Kiosk Cloud**, a pre-installed system that functions as a **solid and adaptable foundation** for **full remote management**. Through a **unified control panel**, it is possible to monitor all elements of the terminal: this includes **automatic installation of new versions** of the operating system, device drivers and applications; **adjustment of interfaces and peripheral devices**; and **continuous monitoring with instant notifications** to enable **proactive technical support**.  The **Kiosk Cloud API** simplifies connection to other corporate systems, allowing you to **streamline work processes** and ensure that the terminal always provides **up-to-date data** and a **superior user interaction**, minimizing **service interruptions**. ## **Tips for buying a self service or autoservice kiosk** Choosing the ideal digital kiosk requires a thorough analysis beyond the technology. To ensure a successful investment, effective integration and a positive user experience, the following key factors must be considered: **1\. Location and Space:** * Evaluate the dimensions of the available space to ensure an unobstructed installation. * Ensure visibility and accessibility from various points, including people with reduced mobility. * Select an intuitive location within the environment. **2\. Definition of Objectives:** * Specify the main purpose of the kiosk (information, sales, registration, marketing, etc.). * This primary functionality will determine the hardware (printer, POS, etc.) and software (interface, navigation flow) requirements. **3\. Systems Integration:** * Ensure compatibility and seamless connection with existing internal systems (CRM, BSS, ERP, payment gateways, databases) through APIs. * This will allow for efficient and real-time data exchange, avoiding duplication and manual processes. **4\. Total Cost of Ownership (TCO):** * Calculate the TCO, considering not only the initial price, but also hardware, software licenses, installation, maintenance (support), connectivity and future upgrades. * This provides a complete long-term financial overview. **5\. Durability and Maintenance:** * Prioritize robust materials and vandal-resistant designs, especially for heavy-duty or public environments. * Consider ease of access to internal components to simplify repairs. * Establish a clear Service Level Agreement (SLA) with the vendor to minimize downtime. **6\. User Experience (UX):** * Ensure optimal UX to encourage kiosk adoption. * This includes proper ergonomics, a readable and responsive touch screen, fast system response times, and an intuitive and straightforward interaction flow from start to finish. --- ## Pension by consumption: FinTech Innovation with KYC onboarding **URL:** https://www.tecalis.com/blog/innovation-fintech-thinking-ibercaja-onboarding-ekyc-aml **Descripción:** Financial digital onboarding faces fraud and abandonment. Find out how Pensumo and Ibercaja solved it with a KYC/AML process in less than 1 minute. The financial sector is in a constant state of transformation. The confluence of accelerated digitalization, new consumer demands and an increasingly demanding regulatory environment has created a completely new playing field. In this context, [**digital onboarding**](https://www.tecalis.com/use-cases/digital-onboarding-registration-activation) has become a strategic battleground for banks, insurers and FinTech companies. However, customer onboarding processes still face numerous challenges, especially when seeking to comply with **KYC** and **AML** regulatory requirements. In the midst of this revolution, disruptive business models are emerging that challenge the status quo. One of the most notable examples on the Spanish scene is the alliance between **Pensumo** and **Ibercaja**. This project not only introduces an innovative **pension** savings system based on daily consumption, but also represents a paradigmatic case study on how a state-of-the-art **digital onboarding** process can be the catalyst for the success of a complex financial product. ## **Current challenges in customer registration processes in the financial sector** In **2024**, with a global [**RegTech**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) market valued at **$16.2 billion** according to a Deloitte study, efficiency in **onboarding** processes has become the mainstay of financial products. The customer onboarding process has gone from being a mere administrative formality to becoming a **moment of truth** for any financial institution. In the physical world, this process was plagued by paperwork, branch visits and long wait times. Digital banking promised to remove these barriers, but reality has shown that the digitization of onboarding brings its own set of monumental challenges. Financial institutions have been struggling for years with these processes that, in many cases, still present a poor user experience, as well as operational and legal risks. The most relevant challenges include: 1. **Fraud and** [**identity theft**](https://www.tecalis.com/blog/identity-fraud-usurpation-protection-companies-systems-prevention-antifraud-identification-security-theft-data-scam-types): The rise of techniques such as synthetic identity theft, **deepfakes** and **spoofing** has increased the sophistication of attacks. Entities must implement real-time document verification systems and fraud detection tools based on artificial intelligence to mitigate risks. 2. **Regulatory compliance**: Financial regulation is increasingly demanding. Compliance with [**KYC**](https://www.tecalis.com/products/identity-verification)**, AML, CTF and** [**PSD2**](https://www.tecalis.com/products/authentication) standards is mandatory, and non-compliance can lead to severe sanctions and reputational damage. 3. **Friction in the registration process**: **68% of users abandon** financial registration processes due to complexity. The need was clear: to offer a fast, fluid experience that would transmit confidence from the first click. 4. **Mobile device security**: With the growth in the use of mobile banking, threats such as **phishing, smishing** and device hijacking are emerging. Biometric authentication, although convenient, must be implemented in a robust way to avoid vulnerabilities. Ultimately, the challenges of digital onboarding in the financial sector converge at a critical point: the need to **balance robust security and strict regulatory compliance with a user experience that is agile, intuitive and frictionless**. Overcoming this crossroads is not just an operational improvement, but a strategic imperative to engage and retain the customer in the digital age, transforming a potential abandonment point into the first pillar of a long-term relationship of trust. ## **The Pensumo-Ibercaja challenge: how last-gen onboarding boosted a disruptive product** **Pension by Consumption**, promoted by Pensumo and Ibercaja, represents a significant breakthrough in the **FinTech** sector, combining a revolutionary savings model with **state-of-the-art** digital onboarding that integrates advanced KYC/AML. Thanks to this proposal, every daily purchase becomes a contribution to the pension plan with no set-up costs, immediate activation and a 100% digital process. This disruptive approach not only unlocks new loyalty opportunities, but redefines the way consumers interact with retirement savings. To solve these challenges, Pensumo and Ibercaja opted for an **advanced RegTech solution** from **Tecalis**. Based on the premise of generating a **pension by consumption**, Pensumo allows citizens to generate contributions to a pension plan simply by making everyday purchases. This technology integration was key to articulating a digital onboarding experience that complied with the strictest legal requirements while offering a user-centric interface. The disruptive nature of Pensumo posed **unique technical challenges** that required **innovative solutions** in the [**onboarding**](https://www.tecalis.com/guides/onboarding-contracting-kyc-esignature-electronic-signature-process-workflow) process. The "**Pension by Consumption**" model needed a system that could handle **multiple data streams in real time**: purchase transactions, reward calculations, pension plan contributions, and continuous verification of user identity. The **technical architecture** had to be **robust** enough to handle these complex processes while maintaining a **smooth and intuitive user experience**. In addition, being a long-term savings product managed by **Ibercaja**, the process had to comply with the same [**KYC/AML**](https://www.tecalis.com/products/identity-verification) regulatory standards as opening a current account or taking out a mutual fund. This is where state-of-the-art onboarding became the strategic pillar of the project. The challenge was daunting and manifested itself on the three classic fronts of digital onboarding. ### **Common challenges: friction, abandonment and fraud in digital onboarding** * **Friction and User Experience (UX): Pensumo**'s target audience is broad and not necessarily financially savvy. A sign-up process that required manually uploading documents, filling out endless forms or, in the worst case scenario, going to an **Ibercaja** office, would have been disastrous for the product. The abandonment rate would have skyrocketed. The challenge was to design a registration flow that could be completed in less than 5 minutes from a cell phone, requiring as little user interaction as possible. * **Abandonment during the Process:** Every additional click, every second of waiting, every ambiguous form field is an invitation to abandon. In a savings product like **Pensumo**, where the initial benefit to the user is small and long-term, the instant gratification of successful enrollment is crucial. The process had to be so seamless that the user felt it was effortless to start saving for their **pension**. The key was to move from a "sign-up process" to a "welcome experience". * **Fraud and Regulatory Compliance:** This is the most complex challenge: How to reliably verify a user's identity through a digital channel? How to ensure that the person behind the cell phone is who they say they are and not an impostor? And how to do it without adding friction-generating steps? The solution was to integrate advanced **KYC/AML** technologies that would automate verification in real time, guaranteeing the regulatory compliance required by regulators such as SEPBLAC in Spain, with the user hardly noticing it. In short, the great challenge of digital onboarding consists of solving a **triple equation**: shielding security, ensuring regulatory compliance and offering a seamless user experience. Precisely for this reason, the **Pensumo-Ibercaja** alliance **needed an onboarding engine to solve this triple equation. The answer came in the form of Tecalis' RegTech solutions.** This case exemplifies how specialist technology is key to transforming a critical process into a pillar of customer trust and loyalty, thus ensuring market leadership. ## **Innovation in onboarding: RegTech's response to market demands** In a FinTech environment where **speed, security and trust** are paramount, **digital onboarding** is no longer a simple formality but a critical process. The solution developed by Tecalis for Pensumo and Ibercaja represents one of the most advanced implementations in the market, combining **RegTech** technologies with a focus on **user experience** and **regulatory compliance**. The process begins with an [**accurate biometric identification**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) and a **real-time proof of life**, which guarantees that the user is who he/she says he/she is. To this is added an **automatic analysis of the identity document** using artificial intelligence, capable of detecting fraud, manipulation and invalid documents. This verification, which occurs in seconds, allows high **security** standards to be maintained **without introducing frictions** that affect the conversion. The [**advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature), integrated in the same flow, enables the user to complete the entire legal process in a single operation. This **eIDAS-compliant** functionality collects all the evidence of the process in a single **audit document**, reinforcing legal validity and simplifying traceability for compliance teams. In addition, **AML/KYC controls** such as the consultation of PEP lists and international sanctions are automatically executed, all **without the user noticing it**. Another differentiating factor was the **ability to adapt the technology** to Pensumo's business model. Thanks to a flexible design, it was possible to reduce the onboarding time to **less than a minute** without sacrificing security or compliance. This combination of automation, intelligence and user experience positions digital onboarding not only as a gateway, but as a **true accelerator for innovative FinTech models**. ## **Benefits of state-of-the-art onboarding** The implementation of [**Tecalis' solutions**](https://www.tecalis.com/request-demo) for **digital onboarding** has been **key to the success of Pensumo-Ibercaja**, which has managed to consolidate itself as one of the **most innovative FinTech projects** in the Spanish ecosystem**.** The **benefits are multiple** and range from **user experience** to **fraud reduction**, providing tangible value for both companies and users.  **eKYC/AML** solutions **radically transform the customer experience**, as processes that used to require days and physical visits can now be **completed in minutes** from a mobile device. This agility not only improves satisfaction, but also **dramatically increases conversion rates**, in some cases by as much as 300%, by removing traditional barriers to entry. ### **KYC form, digital sourcing and due diligence in the same process** The collaboration between **Tecalis** and **Pensumo**, with the support of **Ibercaja**, has materialized an innovative **FinTech** product overcoming regulatory barriers through the **financial Sandbox**. The project relies on an advanced **digital onboarding** process that integrates **biometric verification** technologies and **anti-fraud controls**. This ensures a **secure and frictionless** customer onboarding, completed in seconds to optimize **the user experience** without sacrificing **regulatory compliance**. From an operational perspective, **automating** verification and other manual processes leads to **significant cost reductions**, which can be as high as 70%. By minimizing human error and the need for personnel dedicated to repetitive tasks, organizations gain in **accuracy and efficiency**. In addition, the digital nature of these platforms allows for better **scalability**, making it easier to manage a large volume of new users without the need to increase resources proportionally, which is vital for fast-growing products. In the area of **compliance and safety**, these systems offer robust, automated solutions. They facilitate **regulatory compliance** by maintaining complete audit trails that simplify inspections and [**reduce the risk of penalties**](https://www.tecalis.com/legal/compliance-eidas-qtsp-regulations-certifications-stamp). Simultaneously, they integrate machine learning technologies to **proactively detect and prevent fraud**, protecting the organization and its customers by continuously adapting to new threats. Ultimately, the combination of all these factors translates into a **sustainable competitive advantage**. Companies can **bring products to market faster**, with a superior user experience and guaranteed regulatory compliance. The ability to analyze data in real time also enables **continuous optimization and customization** of the onboarding process, creating **barriers to entry for competitors** and setting new quality standards in the industry. --- ## Electronic signature in Mexico: requirements, regulation and uses **URL:** https://www.tecalis.com/blog/electronic-sign-mexico-uses-requirements-regulation-psc-renapo-nom151-fiel **Descripción:** In Mexico, the electronic signature has full legal validity, allowing contracts and binding documents to be signed 100% digitally. In the era of **digital transformation**, **Mexico** has emerged as a **leader** in the adoption of technologies that streamline business and government processes. One of the most disruptive and fundamental tools in this new paradigm is the **electronic signature**. Far from being a simple digitized image of a signature, the electronic signature is a **robust technological and legal mechanism** that guarantees the **security, integrity and authenticity** of documents and transactions in the digital environment. In this article we will explore everything you need to know about **electronic signatures in Mexico**: from their definition and **legal framework** to the **technical requirements** and **best practices** for their implementation. We will also analyze the differences between the different **types of electronic signatures**, the fundamental role of **Certification Service Providers (CSP)** and how to comply with **NOM-151** regulations to ensure the **evidentiary validity** and **long-term preservation** of digital documents. ## **What is the electronic signature in Mexico?** The [**electronic signature**](https://www.tecalis.com/products/electronic-signature) is **a set of electronic data** that accompanies or is associated with a digital document, making it possible to **identify the signatory** and express their **consent or approval** of the contents of the document. In practical terms, it **replaces the traditional autographic signature** in transactions carried out by electronic means. **In Mexico**, the electronic signature has become an **essential element** for the **digitalization of processes** in both the public and private sectors. Its use ranges from the signing of contracts, authorizations, informed consents, to tax, banking and administrative procedures, providing **agility and legal certainty** to the parties involved. Its primary function is to guarantee: * **Authenticity:** Verifies the signer's identity. * **Integrity:** Ensures that the document has not been altered after signature. * **Non-Repudiation:** Prevents the signer from later denying having made the signature. This means that once the electronic signature has been applied, it is possible to verify that the document has not been altered since it was signed and that it was indeed signed by the person who claims to have signed it. This signature **is not necessarily a scanned image of your signature**. It can take many forms: * A PIN code or password. * A click on an "I agree" button under specific conditions. * A biometric signature made on a touch screen. * A **digital signature based on public key cryptography (PKI)**, which is the **most secure and legally valid form**. Its adoption is essential to **streamline processes**, **reduce costs** (paper, printing, shipping, storage), **improve security**, **enable remote operations** and, in short, **boost the competitiveness** of companies and the **efficiency** of public administrations in Mexico. ## **Is electronic signature legal in Mexico?** The answer is a resounding yes. The **electronic signature is fully legal and valid in Mexico**. Its use and recognition are solidly grounded in Mexican law, mainly in the **Commercial Code**, the **Federal Civil Code**, the **Tax Code**, the **LFEA**, and supported by **NOM-151-SCFI-2016**, which since its reforms in 2000, grants commercial acts celebrated by electronic means the same validity as their physical counterparts. Article 89 of the Commercial Code provides that information generated, sent, received or filed by electronic, optical or any other technology shall be referred to as "data message". Most importantly, Article 89 bis stipulates that **no legal effect, validity or binding force shall be denied to any type of information for the sole reason that it is contained in a data message**. The **Advanced Electronic Signature Law (LFEA)**, enacted in 2012, establishes that electronic documents and data messages with an advanced electronic signature produce the **same legal effects as those signed by handwriting**, granting them the **same evidentiary value**. This means that, as long as the legal and technical requirements are met, the electronic signature is **fully valid in Mexico**. This means that an electronically signed contract has, as a matter of principle, the same legal weight as a contract signed with pen and paper. For this to be fulfilled, the electronic signature must satisfy certain requirements that demonstrate its reliability. This is where specialized technological solutions play a crucial role. **Tecalis**' [**electronic signature**](https://www.tecalis.com/products/electronic-signature/plans) is designed to meet and exceed all the requirements stipulated by the **regulations in Mexico**, ensuring that each document signed through its platform has full legal and evidentiary validity in court. This is achieved by collecting robust electronic evidence throughout the signing process, ensuring: * **Unequivocal identification of the signatory**: By means of digital certificates issued by authorized PSCs. * **Document integrity**: Ensuring that the content has not been altered after signature. * **Non-repudiation**: Preventing the signatory from later denying having signed the document. * [**Time stamping**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature): Establishing the exact time at which the signature was made. * **Full traceability**: Recording all actions performed during the signing process. ### **Code of Commerce** The legal system that governs the use of electronic signatures for **private commercial or mercantile purposes** such as the signing of contracts -and therefore the most relevant- is **the Code of Commerce**. **Articles 89 to 94** of the Commercial Code establish the fundamental definitions and requirements for the use of electronic signatures in commercial transactions. The Commercial Code recognizes **two main types of electronic signatures**: * [**Simple electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation)**:** One that allows the signer to be identified and to express his consent. * [**Advanced electronic signature**](https://www.tecalis.com/blog/advanced-electronic-signature-qualified-differences-use-cases)**: In** addition to the above, it allows verification of the **integrity of the document** and **non-repudiation**. ### **Advanced Electronic Signature Law (LFEA)** In Mexico, there is a specific law that regulates the use of this signature: the **Advanced Electronic Signature Law (LFEA)**. **Article 7** of this law establishes that the advanced electronic signature has the **same effectiveness and validity as an autograph signature** made by hand on paper. The LFEA was enacted in 2012 and establishes: * **Technical requirements** for the advanced electronic signature. * The obligations of **Certification Service Providers (CSP)**. * Procedures for **PSC accreditation**. * **Sanctions for non-compliance** with regulations. ### **Federal Civil Code** The **Federal Civil Code** also recognizes the validity of electronic signatures, especially in **Article 1834-bis**, which establishes that when the law does not require the written form for the validity of the legal act, it may be executed through the use of electronic means. ### **Sector Regulations** Different sectors have specific regulations: * **Financial sector:** Regulated by the **CNBV** and **Banxico**. * **Health sector:** Subject to **NOM-024-SSA3-2012**. * **Judicial proceedings:** Regulated by **the Federal Code of Civil Procedures**. * **Public Administration:** Governed by the **Federal Law of Administrative Procedure**. ## **Differences between Simple Electronic Signature and Advanced Electronic Signature** In the Mexican legal framework, the fundamental distinction between the Simple Electronic Signature (FES) and the Advanced Electronic Signature (FEA) does not reside in their appearance, but in their **level of security** and the **legal consequences** that each one entails. While both seek to manifest consent in the digital environment, their technological construction and the legal backing they receive place them in two distinct categories. The [**choice between one or the other**](https://www.tecalis.com/blog/types-of-electronic-signatures-digital-e-signature-how-many-formats-to-choose) depends directly on the **level of certainty and risk** that the parties are willing to assume in a transaction. The first major difference is in the method of **linking to the signer**. The Simple Electronic Signature identifies a person in a **contextual** manner, using data such as an e-mail address, an IP address or the click on an acceptance box. In contrast, the Advanced Electronic Signature is linked to the identity of a person in a **univocal and previously verified** way, by means of a **digital certificate** issued by an authority that reliably verified the identity of the holder, as the SAT does with the electronic signature. Another key difference lies in the guarantee of **integrity and non-repudiation**. The security of a Simple Signature depends on **external evidence** that the document was not altered after signing. The Advanced Signature, on the other hand, **integrates this security in itself**. Thanks to **public key cryptography**, it seals the document in such a way that any subsequent modification is **detectable**, and ensures that the signer cannot deny its authorship, giving it an intrinsic technical robustness. Perhaps the most critical divergence from a legal perspective is the **reversal of the burden of proof**. In the event of a dispute over a document signed with a Simple Signature, the submitting **party must prove that the signature is valid** and attributable to the correct person. With the Advanced Electronic Signature, the opposite is true: the law **presumes that the signature is valid**. Therefore, it is the **signatory who would have to prove** that he did not sign or that his certificate was breached, a considerably more difficult task. As a consequence of these differences, the **probative value** of each signature is different. The Simple Signature is perfectly valid for **low-risk agreements**, but its strength in a trial depends on the quality of the evidence surrounding it. On the other hand, the Advanced Signature enjoys the **maximum legal validity**, being legally **equivalent to a handwritten signature**. This makes it the indispensable option for **high-value contracts, government procedures** and any act that requires an indisputable level of certainty. ## **The role of the accredited Certification Service Providers (CSP)** In order for the electronic signature ecosystem in Mexico to function with **confidence and security**, there are specialized entities known as **Certification Service Providers (PSC) or** [**QTSP**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas). A CSP is a legal entity, public or private, that is **accredited by the Ministry of Economy** to issue digital certificates and provide other services related to electronic signatures. The main functions of a PSC are: * **Issuance of Digital Certificates: Verify the identity** of an individual or legal entity and issue a **digital certificate** that links that identity to a pair of cryptographic keys. This certificate is the basis for creating an **Advanced Electronic Signature**. * **Timestamping:** They provide a **digital timestamp**, which is a cryptographic evidence that proves that a data set (a document) **existed at a certain point in** time and **has not been modified since then**. This is crucial for **integrity and non-repudiation**. * **Data Message Storage:** They offer services for the **secure, long-term storage** of signed electronic documents, complying with regulations such as **NOM-151**. * **Signature Validation:** They allow **verifying the validity** of a certificate and an electronic signature at any time. Using a **PSC accredited by the Ministry of Economy** adds an invaluable layer of **legal and technical certainty** to any electronic transaction, ensuring that processes meet the **highest standards** required by Mexican regulations. ## **Compliance with NOM-151 for evidentiary validity and long-term conservation** One of the key standards of the Mexican regulatory framework is the **Mexican Official Standard NOM-151-SCFI-2016**. This standard establishes the requirements to be observed for the **preservation of data messages** and the **digitization of** paper **documents**. Its main objective is to **ensure the integrity of an electronic document over time**. How does it achieve this? Through the issuance of a **Preservation Certificate**. When a document is electronically signed, it can be sent to an accredited PSC. The PSC generates a **cryptographic summary (hash)** of the document and seals it with its own signature and a **time stamp**. The result is a **"Proof of Preservation"** that functions as a **"digital notary of time"**. This certificate certifies two fundamental things: * That the electronic document **existed on the exact date and time** that the record was issued. * That the document **has not undergone any alteration** since that time. NOM-151 is crucial for **long-term evidentiary validity**. A contract signed today may be presented in litigation five years from now. Without compliance with NOM-151, it would be difficult to prove that the digital file was not modified in that time. With a Certificate of Preservation issued by a PSC, you have **an irrefutable proof of its integrity**, which **shields the document against any challenge** to its authenticity over time. ### **Digital identity protected under RENAPO and CURP rules.** The **unequivocal verification of the** signer's **identity** is the first and **most crucial step** to issue a **valid digital certificate** and, therefore, to create an **advanced electronic signature with full legal validity**. In Mexico, this verification relies heavily on **state systems**: #### **RENAPO (National Population Registry)** It is the institution in charge of registering and accrediting the identity and vital facts (birth, marriage, death) of all Mexicans and residents in the country. **It is the official and most reliable source** of identity data. **How do CSPs use it?** Accredited CSPs are **required (and authorized) to query and validate** the data provided by the digital certificate applicant against the RENAPO databases. This includes verifying: * Full name. * Date of birth. * Place of birth. * Nationality. * Photograph (**biometric comparison**). * Validity of the identity document (INE/IFE). This validation against RENAPO is essential to **prevent identity theft** and to **guarantee that the natural person requesting the certificate is who he/she claims to be**. #### **CURP (Unique Population Registry Number)** It is a **unique and unrepeatable alphanumeric code** that is assigned to all persons living in the national territory and to Mexicans residing abroad. It functions as a **universal identifier**. **How do the PSCs use it?** The CURP is an **essential piece of information** in the verification process: * **Unique Identifier:** Allows to **disambiguate persons** with similar names and accurately link the data verified in RENAPO with the digital certificate. * **Cross Validation:** The CURP contains information (first letters of paternal, maternal and first name, date of birth, sex, state of birth) that can be **cross-checked with the data provided** and those obtained from RENAPO to **ensure consistency.** * **Mandatory Requirement:** Obtaining the CURP **is an indispensable** prerequisite for an individual to obtain a digital certificate for FEA. For legal entities, there is the **Cédula de Identificación Fiscal (CIF)**, although the CURP of the legal representatives is also relevant. --- ## KYC and Onboarding in Mexico: Legal framework and application in onboardings **URL:** https://www.tecalis.com/blog/kyc-aml-mexico-legal-framework-biometrics-electronic-signature-electronic-compliance-psc-renapo-curp **Descripción:** We detail the requirements for a successful KYC/AML in Mexico, covering identity validation, regulatory framework (LFPIORPI, NOM-151) and digital records management. In Mexico's financial and commercial ecosystem, financial crime prevention has become a fundamental pillar for the stability, security and reputation of any company. The concepts of **KYC (Know Your Customer)** and **AML (Anti-Money Laundering)** have transcended their origin in the banking sector to become a strategic necessity and an unavoidable regulatory obligation for a wide range of industries. Understanding and correctly applying **KYC/AML** processes **in Mexico** not only helps prevent **money laundering** and **terrorist financing**, but also strengthens trust in financial institutions and promotes a secure business environment. **Regulation in Mexico** is robust and specific, requiring companies not only to identify their customers, but also to understand the nature of their activities and monitor their transactions to detect and report suspicious transactions. This process, known as "Know Your **Customer**" or **Know Your Customer Mexico**, is the first line of defense against money laundering and terrorist financing (ML/FT). In the current context, where **digital transactions** have increased exponentially, Mexican companies face the challenge of maintaining high **compliance** standards while offering **agile and efficient user experiences**. This balance is particularly critical in sectors such as **financial services, real estate, insurance and e-commerce**. ## **KYC and onboarding in the Mexican regulatory context** [**Know Your Customer**](https://www.tecalis.com/es/productos/verificacion-identidad) **(KYC)** is a standardized process by which a company verifies the identity of its customers and assesses the potential risks associated with the business relationship. In the context of regulation in Mexico, KYC processes are an essential component of a broader [**Anti-Money Laundering (AML)**](https://www.tecalis.com/es/blog/aml-anti-money-laundering) strategy. In the Mexican regulatory framework, KYC processes are based on the principle of **"Customer Due Diligence" (CDD)**, which establishes the obligation for certain sectors to **obtain, verify and keep updated** specific information about their customers. This information includes identification data, financial situation, sources of income, economic activity and, in specific cases, information on **beneficial owners** and **politically exposed persons (PEPs)**. Its main objective is to prevent institutions and companies from being used, intentionally or unintentionally, as vehicles to **legitimize illicit capital**. The implementation of robust KYC processes allows organizations: * **Verify Identity:** Confirm that a customer is who they say they are, using reliable documents and sources of information. * **Understand the Client's Activity:** Understand the nature of the client's professional or business activities to determine if your transactions are consistent with their profile. * **Assess Risk:** Assign a risk level to each client (low, medium, high) based on factors such as their industry, geographic location, type of transactions and corporate structure. This allows for a **risk-based approach**, dedicating more resources to monitoring high-risk clients. * **Continuous Monitoring:** Monitor customer transactions over time to detect unusual or suspicious patterns that may indicate illicit activities. In Mexico, the central authority in this matter is the **Ministry of Finance and Public Credit (SHCP)**, through the **Financial Intelligence Unit (UIF)**. The UIF is in charge of receiving and analyzing the transaction reports (known as "Avisos") from the obligated entities and, if necessary, filing the corresponding complaints before the Attorney General's Office. Other entities, such as the **National Banking and Securities Commission (CNBV)** and the **Tax Administration Service (SAT)**, also play a crucial role in the supervision of compliance. Sectors required to comply include **credit institutions, brokerage firms, finance companies,** [**insurance companies**](https://www.tecalis.com/industries/insurance)**, pension funds, gaming companies, real estate companies and precious metals dealers**. **Non-compliance** with KYC/AML regulations in Mexico can have severe consequences, ranging from **fines in the millions of dollars to revocation of licenses** and, in serious cases, **criminal liability** for the company and its executives. Therefore, a well-implemented KYC policy is an indispensable investment in the sustainability and legality of any business. ## **KYC legal framework in Mexico: LFPIORPI and data protection laws** The legal framework for KYC in Mexico is mainly based on the **Federal Law for the Prevention and Identification of Operations with Illicit Proceeds,** known by its acronym **LFPIORPI**, enacted in 2012 and its subsequent amendments. This law constitutes the **fundamental pillar of the Mexican anti-money laundering system** and establishes specific obligations for those considered **vulnerable activities,** as well as the obligation to report unusual or suspicious transactions to the authorities, including not only financial institutions, but also sectors such as [**real estate**](https://www.tecalis.com/industries/real-estate-proptech)**, gaming and lotteries, trade in precious metals and stones, and professional services** among others. The main obligations imposed by **LFPIORPI** are: * **Identification of Clients and Users:** All entities that carry out the "**Vulnerable Activities**" defined in the law must **integrate identification files** of their clients. Information requirements vary depending on whether the client is an individual or a legal entity, but generally include name, date of birth/incorporation, address, RFC, CURP and official documentation (INE, passport, articles of incorporation). * **Filing of Notices:** When a transaction **exceeds certain monetary thresholds**, the entity is required to submit a **"Notice" to the UIF** through the SAT portal. These notices inform the authority about the completion of the transaction. It is crucial to understand the difference between the "**identification threshold**" and the "**notice threshold**", which may be different for each activity. * **Custody of Information:** The documentation and information collected must be kept in physical or electronic form for a **minimum period of five years**, and must be **available to the SHCP and SAT** for verification visits. **Tecalis** tools have a [**minimum of 5 years custody**](https://www.tecalis.com/products/electronic-signature) period , extendable if required. * **Designation of a Compliance Representative:** Companies must designate a person **responsible for overseeing the correct implementation of** compliance policies. ### **The Intersection with the Federal Law for the Protection of Personal Data (LFPDPPP)** The [**KYC**](https://www.tecalis.com/blog/kyc-know-your-customer) process inherently involves the collection and processing of a large amount of **personal and sensitive data**. This is where the **Ley Federal de Protección de Datos Personales en Posesión de los Particulares,** by its acronym **LFPDPPP,** and its regulations come into play. While the LFPIORPI **makes it mandatory to collect information**, the **LFPDPPP regulates how** that information **should be handled.** Companies must ensure that their KYC process complies with the following data protection principles: * **Lawfulness, Loyalty and Consent:** The data must be collected in a lawful manner and with the consent of the owner, who must be clearly informed about the use that will be made of it. * **Purpose:** Personal data collected for KYC/AML compliance **can only be used for this purpose** and for those explicitly consented to in the privacy notice. * **Proportionality:** Only **data strictly necessary** to fulfill the stated purpose should be collected. * **Security: Administrative, technical and physical security measures** must be implemented to protect data against damage, loss, alteration, destruction or unauthorized use. The **Privacy Notice** is the key document through which the customer is informed about the processing of their data. It must clearly specify that your information will be used to comply with the obligations of the **LFPIORPI**. The **correct harmonization of both laws** is vital for comprehensive compliance. ## **NOM-151 requirements for data preservation in KYC processes** In the digital age, most KYC records are created and stored electronically. However, how do you ensure that a digital document, a contract, an identification form or a copy of an INE **maintains its integrity and is not altered** over time? This is where the **Mexican Official Standard NOM-151-SCFI-2016** becomes relevant. NOM-151 establishes the **requirements for the conservation of data messages and the digitalization of documents**. Its purpose is to ensure that an electronic document retains its **authenticity and integrity** from the moment it is generated, making it **legally reliable evidence comparable to a physical document**. The main conditions are: * Use of **advanced electronic signature or digital seals** on stored files, so that any subsequent alteration is cryptographically detected. * Inclusion of [**digital time stamps**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature), which guarantee the accuracy of the date and time the document was scanned or signed. * Issuance of a **certificate of** electronic **preservation** by a **Certification Service Provider (CSP**) such as **Tecalis**, which certifies that the digitized document is faithful to the original and has not been modified since its creation. * Use of cryptographic mechanisms (e.g. hash functions) to ensure the unalterability of stored files. For **Know Your Customer** processes in **Mexico**, this is **fundamental**. The **LFPIORPI** requires **records** to be **retained for at least five years**. If these records are digital, **NOM-151** provides the mechanism for such retention to be **legally valid and defensible** in the event of an audit or litigation**.** This record **reliably guarantees** that the document existed in a **specific form at a specific moment** in time. Any subsequent alteration to the document **would invalidate the fingerprint**, proving that it has been modified. For KYC processes, this means that the identity and documentation presented by a customer **on the date of onboarding** can be **proven with legal certainty**. ### **Identification of users in vulnerable activities: finance, real estate, etc.** LFPIORPI defines as **"vulnerable activities"** multiple sectors **beyond traditional banking**. This includes, for example, the **real estate industry, car dealerships, jewelry stores, casinos, travel agencies, accounting and notary services**, among others. In all these cases, similar KYC procedures apply: the **customer** must be **identified and verified** before a relevant transaction (such as the purchase and sale of real estate or a used car) is concluded. * [**Real estate sector**](https://www.tecalis.com/blog/news-real-estate-sector-current-market-report-industry-new-what-is)**:** Notaries and real estate agencies must **verify the identity of the buyer and seller**, as well as the **origin of the resources** in the transaction. Official credentials must be checked and data must be recorded in deeds or digital contracts, **keeping backup in accordance with NOM-151**. * **Sale of used vehicles:** Agencies and dealers **validate the identity of the buyer/seller** through official credentials and generate a sales contract with electronic signature. * **Jewelry and luxury goods:** Merchants **identify customers in high-value transactions**, recording personal data and transaction details for reporting if necessary. * [**Casinos and lotteries**](https://www.tecalis.com/industries/gambling-online-gaming-esports-videogames)**:** Operators must **capture the identification of gamblers** making large deposits or withdrawals, using **biometric data or real-time verification**. * **Professional services:** Lawyers, notaries and accountants are required to **identify parties** when creating companies, transferring assets or managing funds, **reporting significant transactions to the FIU**. Identification is not a mere formality. It involves **gathering and validating documentation**, understanding who the **"beneficial owner"** is (the natural person who ultimately controls the customer) and applying a **risk-based approach** to determine whether **enhanced due diligence** is required. These measures seek to **prevent assets of illicit origin from entering the system** through transactions in non-financial sectors. The **use of digital systems** such as those offered by Tecalis facilitates KYC/AML compliance in these activities. ## **Differences between Simple Electronic Signature and Advanced Electronic Signature** The **distinction between simple electronic signature and advanced electronic signature** is a fundamental element for the implementation of digital KYC processes in Mexico. This differentiation has not only technical implications, but also **significant legal** implications that affect the **evidentiary validity** of documents and transactions in regulatory contexts. * [**Simple electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation) is defined as data in electronic form consigned together or associated with others, which can be used to identify the signatory. This category includes a wide range of authentication mechanisms, from passwords and PIN codes to basic biometric patterns. Although simple electronic signatures are legally valid in Mexico, their **evidentiary force can be more easily challenged** in judicial or administrative proceedings. In contrast, the [**advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) incorporates technical and procedural elements that provide **greater security and evidentiary value**. To be considered advanced, an [**electronic signature**](https://www.tecalis.com/products/electronic-signature/free-vs-paid-features) must meet specific requirements established in the Mexican Commercial Code: it must be **uniquely** linked **to the signatory**, allow the **identification of the signatory**, have been created using means that the signatory maintains under their **exclusive control**, and be linked to the data to which it refers in such a way that any subsequent change in the data is **detectable**. * The **Advanced Electronic Signature (FIEL)** represents the most recognized standard of advanced electronic signature in Mexico. The FIEL uses **asymmetric cryptography** technology **with digital certificates** issued by qualified service providers, providing security levels **equivalent to the autographic signature** for tax purposes and, by extension, for many other legal purposes. ### **Choosing between Simple and Advanced Electronic Signatures in KYC Processes** The decision to use a simple or advanced electronic signature in Know Your Customer (KYC) processes is based on three key factors: * **Risk level:** For high-value or high-risk transactions, advanced electronic signatures are usually required to ensure the integrity and legal validity of the process. * **Specific regulations:** Current regulations may dictate the type of signature required. * **Evidentiary value:** The need for solid proof in the face of potential litigation will tip the balance in favor of the advanced signature. ### **Implementation of the Advanced Electronic Signature** To implement advanced electronic signatures in KYC processes, it is necessary to collaborate with authorized **Certification Service Providers (CSP)**, such as Tecalis. These providers are responsible for: * Issue and manage the necessary digital certificates. * Comply with the rigorous technical standards of Mexican regulations. * Maintain a secure and reliable public key infrastructure (PKI). ### **The Importance of Time Validation** A critical aspect of advanced electronic signatures is **time validation**. To ensure the long-term legal validity of documents, **digital time-stamping** mechanisms must be used. This certifies the exact time of signature, which is critical for KYC documents that must be retained for extended periods of time. ### **International Interoperability** It is important to consider the recognition of the signature in other countries. While the Mexican advanced electronic signature may have limited recognition internationally, there are standards that facilitate the acceptance of digitally signed documents across borders. ## **Functions and Relevance of Certification Service Providers (CSPs) in Mexico** For the digital signature in Mexico and other digital trust services such as KYC/AML processes to work, a supporting infrastructure is needed. This function is fulfilled by **Certification Service Providers (CSPs) such as Tecalis**. A PSC or [**QTSP**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas) is a **legal entity or public institution accredited by the Ministry of Economy** to issue digital certificates and provide other services related to electronic signatures. They are similar to **notaries in the digital world**, providing **certainty and confidence** to electronic transactions. Certification service providers also play an important role in **preventing** [**identity fraud**](https://www.tecalis.com/blog/identity-fraud-usurpation-protection-companies-systems-prevention-antifraud-identification-security-theft-data-scam-types). Digital certificate issuance procedures include **rigorous identity checks** that can **complement traditional KYC processes**. These checks can include **comparisons with official databases,** [**biometric verification**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses)**, and face-to-face procedures** when necessary. Its most important functions in the context of regulation in Mexico are: * **Issuance of Digital Certificates:** PSCs can also issue certificates for specific purposes. * **Issuance of Digital Time Stamps (Timestamping):** As mentioned, this service is essential to **prove the existence of a document at a specific time**, fundamental for the long-term validity of the archives. * **Issuance of Conservation Certificates (NOM-151):** They are the **only entities authorized** to issue certificates that comply with **NOM-151**, guaranteeing the integrity of digital KYC files in the long term. * **Identity Validation:** Before issuing a certificate, the PSC must perform a **rigorous process of validating** the applicant's **identity**, similar to a KYC process. The relevance of certification service providers is indisputable. Without them, **there would be no standardized and legally recognized mechanism** to guarantee the integrity of documents and the authenticity of signatures in the digital environment. By hiring the services of a CSP such as **Tecalis** to implement Know Your Customer and electronic signature processes, companies not only comply with a technical standard, but also **legally shield their digital onboarding processes**. ### **Digital identity verification using official RENAPO and CURP records** The first step in any KYC process is **identity verification**. In the past, this required the **physical presence of the customer** and the **manual review of documents**. Today, thanks to tools such as **Tecalis**', this **frictionless** process can be performed **remotely, securely and instantly**, **connecting directly to official** Mexican government **information sources**. The two most important databases for this purpose are: * **CURP (Clave Única de Registro de Población):** The CURP is a unique 18-character alphanumeric code assigned to all citizens and residents of Mexico. It is the fundamental identity key in the country. * **RENAPO (National Registry of Population and Personal Identification):** It is the government entity responsible for registering and accrediting the identity of all persons in Mexico. It maintains the national CURP database. A robust digital identity verification process in Mexico with Tecalis tools follows these steps: * **Data Capture:** The client provides their **full name and CURP** through a digital platform. * **Real Time Query:** The company's system, through a secure connection (API), sends a **validation request** to **RENAPO**'s web service. * **Data Validation:** The RENAPO service compares the CURP and name provided with its official database and returns a response. This response can confirm that the **CURP is valid**, that it corresponds **to the name provided** and, crucially, the **status of the registration** (e.g., if the person has been **registered as deceased**). This validation is an **extremely powerful anti-fraud control**. It prevents the use of **false or stolen identities** and ensures that the person you are dealing with is **real and alive**. In addition to CURP, many digital onboarding solutions complement this verification with **validation of the voting credential (INE)** against the **National Electoral Institute's** databases and **validation of fiscal data** (such as the Tax Identification Card) against **SAT** records. The combination of these validations creates a **nearly foolproof digital identification process**, laying a **solid foundation** for the entire **KYC/AML compliance** lifecycle **in Mexico**. --- ## KYC/PLD Compliance in Brazil: Regulatory Framework and How to Comply **URL:** https://www.tecalis.com/blog/kyc-brazil-pld-regulatory-framework-aml-coaf-cpf **Descripción:** KYC in Brazil and PLD controls are regulated by Law 9.613/98. To comply, you must know the Brazilian regulatory framework. The Brazilian regulatory landscape has undergone a significant transformation in recent years, especially with regard to **KYC (Know Your Customer - Conheça seu Cliente)** and **AML (Anti-Money Laundering - Prevenção à Lavagem de Dinheiro - PLD)** processes that have become a strategic priority and unavoidable legal obligation for institutions in **Brazil**.  Against this backdrop, the rigorous application of AML policies, or as it is known in Brazil as "**Conheça seu Cliente**", has become a fundamental piece for the integrity and security of the Brazilian financial system. Brazil, as one of the most important **emerging economies** in Latin America, has implemented a **robust regulatory framework** that seeks to combat **money laundering**, **terrorist financing** and other **financial crimes**. This regulatory context requires financial institutions and supervised companies to adopt comprehensive measures for the **identification, verification and continuous monitoring** of their clients. The diversity of the Brazilian financial system, which includes **banks, fintechs and cryptocurrencies**, requires **advanced technological solutions** for regulatory compliance. **RegTech** platforms and [**KYC (Know Your Customer)**](https://www.tecalis.com/products/identity-verification) tool providers are critical to **automate processes**, reduce costs and **improve the effectiveness** of anti-money laundering controls ## **KYC Regulatory Framework in Brazil: Law No. 9.613/98 and BACEN Circulars** KYC in Brazil is regulated by **Law No. 9.613/98**, which defines not only identification standards but also **money laundering** (PLD in Brazilian). This law, amended over time, criminalizes money laundering, terrorist financing and other financial crimes, and **establishes obligations for a wide range of entities, both financial and non-financial.**  The law requires these entities, known as "obliged entities," to implement AML programs that include [**Client Identity verification**](https://www.tecalis.com/blog/identity-verification), risk-based due diligence, recording transactions and reporting suspicious transactions to the competent authority. In the financial sector, the main regulatory body is the **Central Bank of Brazil (BACEN)**, which has issued a series of circulars and resolutions to detail and complement the provisions of Law No. 9,613/98.  * **BACEN Circular No. 3,978 of 2020.** This is a fundamental document that operationalizes the law for financial institutions. It establishes, for example, that institutions must adopt a risk-based approach to due diligence, which implies greater or lesser information requirements depending on the customer's profile.  * **BCB Resolution No. 119 of 2021**, which updates the circular, requires financial institutions to collect the residential address of customers. The other key player in this ecosystem is the **Financial Activities Control Council (COAF)**, which acts as Brazil's financial intelligence unit (FIU). The COAF receives, analyzes and disseminates the suspicious transaction reports that obliged entities send it.  Through **Law No. 13,974/2020**, [**COAF**](https://www.gov.br/coaf/pt-br) has been consolidated as an independent authority with an administrative link to BACEN, which strengthens its autonomy and capacity to combat financial crime. COAF's regulations, together with those of BACEN, are the main mirror that most sector regulators follow to establish their own KYC regulations for operating in Brazil. ### **Identification of Clients and Beneficial Owners in Sectors Supervised by COAF** Proper [**customer identity verification**](https://www.tecalis.com/blog/identity-verification) is the first and most critical step in any KYC process carried out in Brazil. Brazilian regulations, supervised by **COAF**, require obliged entities to collect and verify a series of essential data to establish the customer's identity. For individuals this includes : * Full name * Date of birth * Address * E-mail address * Telephone number However, the central pillar of identity verification in Brazil is the **Cadastro de Pessoas Físicas (CPF)**, a **unique tax identification number**. Verification of the CPF against the **Receita Federal (Treasury)** databases is an indispensable step to confirm the existence of the individual and his or her personal data. Identification does not stop at the direct client. The regulation also places special emphasis on the identification of **beneficial owners**. A beneficial owner is the natural person who ultimately owns or controls a company, or the person on whose behalf a transaction is carried out.  **This is crucial to prevent complex corporate structures from being used to hide true ownership and launder money. Obliged entities must take reasonable steps to identify these beneficial owners, even if they are not the direct account holders. This involves a review of the corporate structure and ownership of the company ([KYB - Know Your Business](https://www.tecalis.com/product/kyb-business-verification-ia-screening)), which often requires the collection of additional documents.** ## **GDPA (General Data Protection Act) requirements for data processing and retention in KYC processes.** The implementation of KYC policies in Brazil cannot be understood without the **General Data Protection Law (GDPL)**, which came into force in 2020. This law, similar to the European Union's [**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business), regulates the processing of personal data and guarantees the rights of data subjects. For companies implementing KYC, the LGPD introduces an additional layer of complexity and responsibility, as they must balance the need to collect data for crime prevention with the obligation to protect their customers' privacy. The key points of the LGPD that impact KYC processes are: * **Purpose and Transparency:** data collection must have a specific and legitimate purpose, and companies must inform customers clearly and transparently about what data is being collected, why it is being collected and how it will be used. In the case of KYC, the purpose is the prevention of money laundering and terrorist financing. * **Data Minimization:** Companies should only collect data that is strictly necessary for the stated purpose. This implies a careful analysis of what information is indispensable to comply with AML regulations, avoiding excessive collection of sensitive data. * **Consent and Legal Basis:** Data processing must be based on one of the legal bases established by the LGPD. In the context of KYC processes, the most common legal basis is "compliance with a legal or regulatory obligation" or the company's "legitimate interest" in preventing fraud. However, in some cases, customer consent may also be an important factor. * **Data Retention:** The LGPD states that personal data must be deleted once the purpose of its processing has ended. However, **Law No. 9,613/98** requires obligated entities to retain customer and transaction records for a **minimum period of five years** after the end of the business relationship or transaction. Companies should ensure that they have data retention policies that comply with both regulations, deleting information when it is no longer legally required. **The intersection of the PLD and LGPD regulations creates a scenario where technology and well-defined processes are crucial. Companies must design their KYC systems to be efficient in collecting data, but also robust in protecting it, with security measures in place to prevent unauthorized access and leaks.** ## **Differences Between Simplified, Standard and Enhanced Due Diligence (EDD) for Politically Exposed Persons (PEPs)** The risk-based approach, promoted by Brazilian regulations, involves the application of different levels of customer due diligence for KYC processes in Brazilian territory, depending on the level of risk they represent. This is divided into three main categories: Simplified, Standard and Enhanced [**Due Diligence**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced). * **Simplified Due Diligence (SDD): Applies** to low-risk clients. In these cases, the amount of information collected or the frequency of checks can be reduced. For example, in low-value transactions or with customers who already have a transparent transaction history. DDS enables a smoother user experience and reduced costs for the company, without compromising security. * **Standard Due Diligence (SDD):** This is the most common level of diligence and applies to most customers. It involves gathering and verifying basic identity information, understanding the nature of the business relationship and, if necessary, identifying the beneficial owner. This level of diligence is the starting point for most business relationships and lays the foundation for ongoing monitoring of transactions. * **Enhanced Due Diligence (EDD):** This is the most rigorous level of due diligence and applies to high-risk clients. EDD involves additional information gathering and more in-depth verification, which may include searching public sources, reviewing media to identify negative news stories, verifying the origin of funds, and approval by senior management. EDD is mandatory, for example, for **Politically Exposed Persons (PEPs)**. A **Politically Exposed Person (PEP)** is an individual who holds or has held, within the last five years, a relevant public office in any of the three spheres of government (federal, state or municipal). This includes heads of state or government, ministers, senators, **deputies**, members of the supreme court, ambassadors, high-ranking officers of the armed forces, **directors of state-owned companies and their family members and close collaborators**. This applies to KYC processes in Brazil as well as in any state.  Due to their position and potential to influence government decisions, PEPs are considered high risk for corruption, bribery and money laundering. Therefore, any business relationship with a PEP must be subject to an **Enhanced Due Diligence** process**.** **The EDD process for PEPs** involves: * **Identifying the customer as a PEP** through specialized databases and information gathered. * **Obtaining** senior management **approval** to establish or continue the business relationship. * **Take reasonable measures** to establish the origin of funds. * **Conduct continuous** and more stringent **monitoring** of the business relationship. Detecting PEPs is a complex challenge that often requires the use of global databases and media scanning to ensure accurate identification. ## **The Role of Regtechs and Technology Providers in KYC Automation** The number and complexity of KYC/PLD regulations in Brazil have made manual processes unsustainable. Companies are facing pressure from the speed of digitization and the need to comply with increasingly demanding regulations. This is where [**Regtechs (Regulatory Technology)**](https://www.tecalis.com/blog/regtech-compliance-regulation-technology), companies that use technology to optimize and automate regulatory compliance, come into play. Regtechs and technology providers offer KYC solutions that enable companies to: * **Accelerate Onboarding:** reduce the time and effort required for onboarding new customers, improving the user experience and reducing the churn rate. * **Reduce Compliance Costs:** Minimize operational costs associated with manual document review and data verification. * **Improve Accuracy:** Reduce human error and inconsistencies in data collection and verification. * **Strengthen Security:** Implement advanced security measures, such as biometrics and cryptography, to protect customer data. * **Facilitate Continuous Monitoring:** Automate the process of reviewing existing customers and detecting suspicious activity, a key regulatory requirement. Regtechs in Brazil offer a set of technological tools that address the specific challenges of the local market, from CPF validation to facial biometrics. ### **Digital Identity Verification Using CPF Query at Receita Federal and Facial Biometrics** Digital identity verification technology has revolutionized the way companies comply with KYC in Brazil. Two of the pillars of this process are **CPF query and facial biometrics**. * **CPF Query:** CPF validation is the first and most important step in the digital KYC process in Brazil. Technology providers can connect their systems directly to the Receita Federal database to verify the validity of the CPF number, the holder's name and date of birth. This instant verification confirms the existence of the individual and ensures that the information provided is accurate. In addition to Receita Federal, it is also possible to consult other official databases for additional information, such as the Electoral Justice database, which together build a more robust customer profile. * [**Facial Recognition**](https://www.tecalis.com/blog/face-recognition) **(Biometrics):** This has become an indispensable tool in the fight against identity fraud. This technology allows companies to compare a customer's selfie with the photo stored in government biometric databases, such as those of the **Superior Electoral Court (TSE)** or the **National Traffic Department (Denatran)**. The process usually works as follows: the customer takes a selfie through the company's app, and the facial biometrics technology verifies whether the person being registered is the same person shown in the photo on the ID card. In addition, many solutions include "proof of life" to ensure that the photo is not a static image or pre-recorded video. The combination of CPF query and facial biometrics offers an unprecedented level of security and accuracy in identity verification. ## **Additional Considerations and the Future of KYC in Brazil** The KYC landscape in Brazil is constantly evolving. Accelerated digitization, the entry of new players and the sophistication of fraud threats drive regulators to continuously update regulations. The future of KYC in Brazil is likely to be characterized by: * **Increased Technology Integration:** interoperability between public and private databases will be key for more efficient and accurate identity verification. * **Artificial Intelligence and Machine Learning:** The use of these technologies will expand for real-time transaction monitoring and detection of anomalous behavior patterns that may indicate money laundering activities. * **Sovereign Digital Identity:** The trend towards digital identity, where citizens control their own identity data, could influence how identity verification is performed in the future. * **Global Focus:** Harmonizing KYC regulations in Brazil with international standards, such as those of the Financial Action Task Force (FATF), will continue to be a priority to strengthen Brazil's position in the global fight against financial crime. In conclusion, compliance with **KYC/PLD** regulations in Brazil is a complex, but crucial challenge for any company aspiring to operate safely and legally in the market. The combination of a solid regulatory framework, Law no. 9,613/98, **BACEN and COAF**, together with the technological innovation of Regtechs, is paving the way for a more transparent and resilient financial system. The correct implementation of KYC, is not only an act of compliance, but a strategic investment in customer trust, reputation protection and long-term business sustainability. --- ## Electronic Signatures in Brazil: Validity, Types and Legal Framework **URL:** https://www.tecalis.com/blog/electronic-signature-brazil-legal-validity-icp **Descripción:** Electronic signature in Brazil explained so you learn how they work, their legal validity and choose what is the right type for your contracts and documents **Brazil** has undergone a significant digital transformation in recent years, establishing a robust legal framework for **electronic signatures** that guarantees **legal certainty** and facilitates digital transactions in both the public and private sectors. The country has one of the most advanced digital certification systems in Latin America, supported by the **Infraestrutura de Chaves Públicas Brasileira (ICP-Brasil)** and software providers such as **Tecalis**, which provide the **technological and legal support** necessary for the **validity of** electronically signed **documents.** In this article, we explore in depth what the **electronic signature** is like **in Brazil**, its **legal validity**, the different **types** that exist, the **legislation that regulates it**, as well as its relationship with **digital certification through ICP-Brasil**. We will also discuss the **preservation of electronic documents** with electronic signature and its **value as evidence** in legal proceedings. ## What is Electronic Signature in Brazil? The **electronic signature in Brazil** is a **set of data** associated to an electronic document that allows the **identification of the signatory** and the **manifestation of his will**, with the peculiarities of the requirements requested in Brazil for this to be considered as such. This concept ranges from [**simple signatures**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation) based on access codes, to **qualified signatures** using **digital certificates** such as those issued by **ICP-Brazil**. The implementation of electronic signatures in Brazil has accelerated significantly since the **COVID-19 pandemic**, when the need to **digitize processes** became critical to maintain **business continuity and public services**. This **massive adoption** has shown the efficiency and security of the Brazilian system, consolidating its position as a **regional benchmark in digital transformation**. The fundamental purpose of any electronic signature is to fulfill **three essential functions**: * **Authenticity**: **to guarantee the identity of the person signing** the document, linking it unequivocally to the act. * **Integrity**: to **ensure that the content of the document has not been altered** after signing. Any modification invalidates the signature. * [**Non-Repudiation**](https://www.tecalis.com/blog/non-repudiation-what-is-signature-example-guarantees-deniability): **prevent the signer from denying having signed** the document. The **electronic evidence** generated in the process makes the signer legally responsible for the act. The Brazilian system recognizes the electronic signature as an unequivocal manifestation of will that makes it possible to **identify the signatory** and **guarantee the integrity of the** signed **document**. Unlike a simple **digitized image of a handwritten signature**, the electronic signature in Brazil incorporates **cryptographic and security elements** that provide **technical and legal guarantees equivalent to those of a** traditional **handwritten signature**. ### **Types and Formats of Electronic Signatures in Brazil** Brazilian legislation establishes a **clear taxonomy of electronic signature types**, each with **specific characteristics** and **defined use cases**. This classification allows organizations to select the **most appropriate signature type** according to their **security needs** and **applicable regulatory requirements**. * **Assinatura eletrônica** \- **Simple Electronic Signature**: based on methods such as PIN, password, or biometrics, without requiring formal certification. Applicable for low-risk procedures. * **Assinatura avançada** \- [**Advanced Signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature): meets technical criteria (exclusive linkage to the signatory, verification during the act, integrity, united association) and may include cryptographic methods. * **Assinatura qualificada** \- [**Qualified Signature**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies): generated with a digital certificate issued by a Certification Authority accredited by ICP-Brasil, based on Brazilian PKI (Public Key Infrastructure). The technical implementation formats vary according to the type of signature and the specific application. **Qualified signatures** use the **PKCS#7** or **XML Digital Signature** standard, which incorporate **digital certificates** and allow **cryptographic verification of the authenticity and integrity** of the document. **Advanced signatures** can use a variety of technical formats, including **cryptographic hash codes**, **time stamps** and **biometric evidence**. ## **Key Legislation Governing Electronic Signatures in Brazil** In Brazil, electronic signatures are **valid and legally recognized**, backed by a **strong regulatory framework** that guarantees their **equivalence to** traditional [**handwritten signatures**](https://www.tecalis.com/blog/handwritten-signature-generator-how-to-create-maker). Brazilian law clearly establishes that electronically signed documents have the **same legal validity** as handwritten documents, provided they comply with the established **technical and procedural requirements**. Their legal validity is supported by multiple norms: * **Civil Code (Art. 104, 107, 225)**: **equates electronic documents to physical documents** when they meet technical requirements. * **Law No. 11.419/2006**: establishes the legal framework for electronic signatures in the context of judicial and administrative proceedings. * **Law No. 14.063/2020**: **defines three levels of signature (simple, advanced, qualified)** and their areas of use. * **Code of Civil Procedure (Art. 369, 411, 440)**: **admits electronic documents as evidence** in trials. * **Personal Data Protection Law (LGPD)**: although it does not focus exclusively on electronic signatures, it establishes rules on how personal data should be handled, which indirectly affects the use of electronic signatures. Additionally, the **Cyber Crimes Law (Law No. 12,965/2014 - Marco Civil da Internet)** and **Provisional Measure No. 2,200-2/2001** establish that electronically signed documents have **presumption of authenticity, integrity, confidentiality and legal effectiveness**. However, the **electronic signature certified by a provider accredited by ICP-Brasil**, such as **Tecalis**, guarantees **full legal validity**, according to the standard described in this national regulation. The Brazilian regulatory framework is characterized by its **risk-based approach**, where the **level of security required** for electronic signatures correlates with the **level of risk and value of the transaction.** This approach allows **optimizing the user experience** while maintaining the **appropriate security levels** for each context. ## Legal Validity and Use cases: Simple Signature vs. Advanced Signature Not all electronic signatures are the same, and in Brazil, choosing the wrong one can have serious legal consequences. The legislation establishes a clear hierarchy based on a fundamental principle: **the higher the risk in a transaction, the higher the level of security and legal certainty of the signature**. Understanding this distinction is vital to ensure the full validity of any digital act. Beyond theory, the practical application of each signature defines its true value on a day-to-day basis. The following are the most common scenarios for each level. #### **Simple Electronic Signature** Its objective is speed and efficiency in high volume and low legal impact processes. It is ideal for: * **Human Resources:** approval of vacation requests, confirmation of reading internal policies. * **Commercial:** acceptance of an initial quote, confirmation of receipt of a proposal. * **Legal:** acceptance of privacy policies and terms of service on websites or applications. #### **Advanced Electronic Signature** Considered the de facto standard for most business operations, it offers a perfect balance between robust security and a seamless user experience. Used in: * **Contracts:** signing service contracts, non-disclosure agreements (NDAs), employment contracts. * **Real Estate:** lease agreements and sale and purchase proposals (the final act of transfer usually requires a qualified signature). * [**Financial**](https://www.tecalis.com/industries/banking-financial-services-fintech)**:** opening of bank accounts (according to the bank's policy) and signing of personal loan agreements. * **Public Sector:** interactions with the government that do not explicitly require a qualified signature, such as those carried out with a Gov.br silver or gold level account. The effectiveness of **electronic signatures** is multiplied when integrated with secure **KYC** processes. Solutions such as those from **Tecalis** combine **biometric and document identity verification** with the signature in a single step, guaranteeing with **total certainty who is signing the contract**. This **unified approach** is the safest and most robust option for signing up new users, **shielding the process against fraud** and ensuring **maximum legal validity** from the outset. ## ICP-Brasil: The Brazilian Digital Certification Ecosystem ICP-Brasil enables the issuance of **digital certificates** that form the basis of the country's **qualified electronic signature** system. This ecosystem represents one of the **most robust and complete digital certification infrastructures** in Latin America, providing the technical and institutional foundations for **secure digital transactions**. This **Public Key Infrastructure** is a complex and hierarchical **chain of trust**, managed and audited by the government, whose purpose is to guarantee **authenticity, integrity and confidentiality** in electronic communications. The structure of ICP-Brasil is organized as follows: * **Comitê Gestor da ICP-Brasil:** this is the highest level body, composed of representatives of civil society and government. Its function is to determine the policies and regulations of the system, acting as the **normative authority**. * **Instituto Nacional de Tecnologia da Informação (ITI):** it is the executive and technical arm. The ITI acts as the **Root Certification Authority (Autoridade Certificadora Raiz - AC Raiz)**, that is, the first entity in the chain of trust. It is the only one that can issue, distribute, revoke and manage the certificates of lower level Certification Authorities. In essence, the ITI **is the anchor of all trust in the system**. * **Certification Authorities (ACs):** these are public or private entities, accredited by the ITI, with the power to **issue digital certificates to end users**. Examples of well-known ACs in Brazil are Serpro, Caixa Econômica Federal, Certisign and Serasa Experian. * **Registration Authorities (ARs):** these are the entities that act as the "front office" of the ACs. They are linked to an AC and are **responsible for the identification** (in person or by videoconference) of the applicant of a digital certificate. They verify the documents and the identity of the person or company before the CA issues the certificate, ensuring that the certificate holder is who he/she claims to be. Obtaining an ICP-Brasil certificate (such as an **e-CPF** or **e-CNPJ**) involves contacting an AR, presenting the required documentation, **validating the identity** and, finally, receiving the certificate, which can be stored on a USB token, a smart card or in the cloud. ## Preservation of Electronic Documents and Their Value as Evidence The preservation of signed electronic documents in Brazil is essential to **maintain their evidentiary value in the long term**, legally equating them to physical documents. The regulations require preserving not only the document, but all associated **cryptographic evidence** (certificates, time stamps) using appropriate management systems. **Preservation periods vary** according to the type of document (e.g. 5 years for tax or 10 years for commercial) and it is crucial to have **technological migration strategies** to update the archives and ensure their future validity in the face of evolving algorithms. Finally, organizations should conduct **regular audits** to ensure compliance and integrity of their digital archives. **Tecalis** guarantees a **minimum custody of 5 years** for all documents and evidence generated in its signature processes, a period that is adapted and extended according to the requirements of regulations such as the [**eIDAS Regulation**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) and the sectorial obligations of each client, which may require up to 10 years or more. As a **Trusted Service Provider**, the platform is designed to safeguard the **complete evidentiary dossier** (time stamping, evidence, etc.), thus ensuring the **evidentiary value** and integrity of signatures throughout the document's legal life cycle. ### Identity Verification: The Role of CPF and The Gov.br Platform Brazil's identity verification system is a pillar of its electronic signature ecosystem, based on the [**Cadastro de Pessoas Físicas**](https://www.gov.br/mre/pt-br/embaixada-mexico/cpf-registro-de-persona-fisica-informaciones-en-espanol) **(CPF)** as a unique identifier and the **Gov.br** platform, which centralizes digital identification. This system operates with **different levels of trust** (basic, medium and high) that adapt to the risk of each operation. In addition, it enables **secure integration with the private sector** through APIs to facilitate customer verification in all types of services, from account opening to online contracting. This synergy between robust government infrastructure and market needs has created a **digital ecosystem that balances security, usability and legal trust**, positioning Brazil as a regional leader in digital identification. --- ## What is a Deepfake, How it Works and Keys for Companies and Users **URL:** https://www.tecalis.com/blog/deepfake-what-is-deepfakes-ai-how-to-make-app **Descripción:** A guide to what a deepfake is and its types, how to detect it both manually and with AI and what tools are used for it In today's fast-paced digital universe, a technology is emerging that is as fascinating as it is alarming: **deepfake**. This term, which merges "deep learning" and "fake", defines multimedia content - videos, audios and images - manipulated by **Artificial Intelligence** to create hyper-realistic and virtually undetectable fakes. What started as an experiment in forums has become one of the most sophisticated phishing tools and a global cybersecurity challenge. Understanding **what a deepfake is** and how it works is not just a matter of technological curiosity; it is a **necessity to protect** our identity, the reputation of our companies and the integrity of **our digital processes**. From million-dollar frauds to the manipulation of public opinion, the impact of **deepfakes** is already a tangible reality. Here we will take an in-depth look at this technology, working process, the risks to users and businesses, and how to combat it effectively with advanced **AI and biometrics** tools. ## **What is a Deepfake: Anatomy of a Digital Hoax** A **deepfake** is, in essence, a **synthetic digital artifact**. Unlike a simple video edit or Photoshop montage, a **deepfake** is not edited manually. **It is generated**. Using learning algorithms, an **AI** system **analyzes huge amounts of data from a real person** (images, videos, voice recordings) to learn how to mimic their appearance, gestures, expressions and voice accurately. The result is **video or audio** that **looks** completely **authentic**, where a person appears to say or do things they never did. The underlying technology, known as **deepfake AI**, can superimpose one person's face on another's body, **animate a photograph** or **clone a voice from** a sample of just a few seconds. This level of realism makes **deepfakes** the perfect vehicle for **misinformation, fraud such as** [**identity theft**](https://www.tecalis.com/blog/identity-theft-digital-online-internet-how-to-security-systems-business) **and cybercrime**. ## **Types and Examples of Deepfakes** It manifests itself in various forms,with their own applications and levels of sophistication. The most common types are: * **Face Swap:** This is the most well-known application. Replacing the face of one person in a video or image with that of another. Initial, and often viral, examples involve celebrities, such as the video where actor **Steve Buscemi**'s face **is superimposed on Jennifer Lawrence's face**. Although they may seem trivial, these techniques are the **basis for** more complex **identity fraud**. * **Lip Sync:** An **algorithm manipulates** lip movements in a video to synchronize with different audio. This makes it possible to **create videos** in which a public figure, such as a politician or CEO, appears to deliver a speech they never gave. One example was the **deepfake of Binance's CEO**, who had to **deny** a **manipulated video** showing him promoting a project. * **Voice Cloning:** Uses **deepfake AI** to **synthesize a person's voice from** an audio sample. More advanced systems can clone a voice with a high degree of fidelity, mimicking pitch, cadence and intonation. This technique is the cornerstone of **vishing (voice phishing) scams**. In 2024, an employee of a multinational company in **Hong Kong** was **tricked into transferring $25 million** after participating in a video conference with **deepfake** recreations of several of his company's executives. * **Full Body Puppetry:** This is one of the most advanced forms. Here, the AI not only manipulates the face, but animates a person's body movements to mimic those of another. This makes it possible to **create hyper-realistic avatars** or to completely control a person's appearance in a video. ### **Differences From Other Impersonation Tools** It is crucial to distinguish **deepfakes** from other, simpler forms of digital manipulation, often referred to as "cheap fakes." The fundamental difference between a **deepfake** and cheap fake lies in their origin and realism. While **deepfakes** are **automatically generated** by **AI that learns to create** smooth, hyper-realistic fakes, **cheap fakes are the result of manual editing** with conventional software (such as **Photoshop**), so they **often have inconsistencies** and visual artifacts that make them easier to detect with the naked eye. ## **Current Uses of D****eepfakes: How They are Affecting Users and Businesses** There are **positive applications** in industries such as **film** (actor rejuvenation) or education, but the malicious use of **deepfakes** dominates public debate due to their devastating potential. The main battleground is **fraud and security in** [**digital onboarding**](https://www.tecalis.com/use-cases/digital-onboarding-registration-activation) **processes**. Companies, in their attempt to digitize and streamline customer acquisition, have implemented remote **onboarding processes.** These processes require identity verification ( known as KYC - Know Your Customer) to **comply with regulation and avoid** fraud. This involved showing an identity document to a camera and performing a proof of life, such as smiling or shaking your head. This is where **deepfakes** have blown up the game board. Cybercriminals no longer need physical masks or actors. Using a **deepfake app** available on the web and a **victim's photo stolen from their social media**, they can generate a short video that passes these basic life tests. They can animate the photo to blink, smile or shake their head, fooling unsophisticated identity verification systems. This type of attack, known as an **injection attack**, has catastrophic consequences: #### **For Businesses:** * **Increased Fraud:** It allows the opening of bank accounts, the application for credit or contracting services in the name of victims, generating direct financial losses and an increase in delinquency rates. * **Legal and Compliance Impact:** An onboarding process vulnerable to **deepfake** fraud breaches key regulations such as **Anti Money Laundering (AML)**. The fines for non-compliance are in the millions and  reputational damage can be irreparable. * **Trust and Sales Erosion:** If customers perceive that a platform is not secure, trust plummets. Not only does this affect retention, it also slows new user acquisition, directly impacting growth and sales. Implementing **stricter security measures** can **generate user friction** and frustration, leading to abandonment. #### **For Users:** * **Identity Theft:** The victim sees their identity used to commit crimes, which can lead to legal problems, and an arduous process to clear their record. * **Financial Loss and Blackmail:** Criminals may use the stolen identity to drain the victim's accounts, to extort money or threaten to post fake compromising videos. * **Psychological and Reputational Damage:** Being a victim of a **deepfake** can cause significant stress and distress, as well as lasting personal and professional reputational damage. ## **Deepfakes and AI, How Will They Evolve?** The evolution of **deepfakes** is intrinsically linked to the advancement of [**Artificial Intelligence**](https://www.tecalis.com/blog/ai-artificial-intelligence-impact-areas-business-companies-integrate-how-to). We are in a technological arms race: as detection tools are developed, **deepfake** generation algorithms become more sophisticated to circumvent them. The trends that will shape the future are clear: 1. **Real-Time Deepfakes:** The ability to generate and overlay **deepfakes** during a **video conference or live broadcast** is no longer science fiction. This raises the risk of fraud to a new level. 2. **Reduced Need for Data:** Where early **deepfakes** required thousands of images of the victim, the new models can **generate credible fakes** from **a single image** or audio clip. 3. **Multi-Modal Hyperrealism:** Future **deepfakes** will not only mimic face and voice, but will replicate breathing patterns, nervous tics and other subtle biometric cues, making manual detection virtually impossible. 4. **Expansion into New Domains:** We will see **deepfakes** applied not only to humans, but to the creation of fake identity documents, the alteration of satellite images or the manipulation of digital forensic evidence. ## **Technical Functioning of Deepfakes** To understand how to combat **deepfakes**, it is essential to understand their technical architecture. The core technology behind most **deepfakes** is Generative Adversarial Networks (GANs). A GAN consists of two neural networks competing against each other in a zero-sum game: 1. **The Generator:** Its mission is to create the fakes. It is fed random noise and its goal is to produce an image, video, or audio that is indistinguishable from the real thing. At first, his creations are crude and chaotic. 2. **The Discriminator:** Acts as a detective or critic. His job is to receive both real images (from training data) and the fake images created by the Generator, and decide which are authentic and which are not. The training process is a **constant feedback loop**: * **The Generator creates** a batch of fake images and  **sends them** to the Discriminator. * **The Discriminator evaluates** and provides **feedback**: "this is fake", "this looks real". * This feedback is used to **adjust the parameters of the Generator**, which learns from its mistakes and tries to create a better fake on the next attempt. * At the same time, the **Discriminator also learns**. As it sees more examples, both real and fake, it becomes increasingly skilled. This antagonistic "duel" is repeated millions of times. The **Generator** becomes an **increasingly skilled forger**, and the **Discriminator becomes an increasingly sharp detective**. The **cycle continues** until the Generator produces **fakes so perfect** that the Discriminator can no longer distinguish them from the real thing. At that point, the **deepfake is ready.** Another common architecture is **autoencoders**, which are used for **face swaps**. An autoencoder is **trained to compress an image** into a low-dimensional latent representation (the **"essence" of the face**) and **then reconstruct it**. By training one autoencoder with thousands of images of Person A and another with images of Person B, **the "decoders"** can be **swapped** to reconstruct Person A's face with Person B's facial attributes. ## **How to Identify a Deepfake: Detect it with AI and KYC APPs** Although **deepfakes** are becoming more and more perfect, there are still red flags. Manual detection, although increasingly unreliable, can be fixed by: * **Anomalous Blinking and Eye Movement:** Early AI models often did not replicate the natural frequency of blinking. * **Inconsistencies in Lighting and Shadows:** Especially at the edges of the overlapping face. * **Digital Artifacts:** Blurred or pixelated areas. * **Unnatural Facial Expressions:** A smile that does not affect the eyes or a lack of emotion that does not match the tone of voice. * **Imperfect Lip Sync.** However, relying on the human eye is a losing strategy. The real defense lies in **detection by AI**, which can analyze aspects imperceptible to us. These systems **look for digital fingerprints**, inconsistencies in pixel flow, camera noise patterns or subtle biological signals that give away the counterfeit. This is where advanced KYC solutions make a difference. They are robust identity verification systems designed for the business environment. As is **Tecalis Identity**, a platform that integrates multiple **anti-deepfake** controls directly into the verification flow, invisibly to the user. **Tecalis Identity** controls go beyond asking for a smile, implementing a defense in depth that includes: * **Passive and Active Liveness Detection: Analyzes real-time video** for micro-expressions, eye glints and skin texture changes that **only a human being** in front of the camera **can produce**. * **3D Depth Analysis:** Using **light and shadow analysis**, the system **creates a 3D map** of the face to ensure that it is not a flat image or a video projected on a screen. * **Injection Attack Detection:** The platform is able to identify if the camera source has been tampered with or if a pre-recorded video is being injected by **deepfake AI**. * **Behavioral Analysis:** The system monitors **suspicious patterns** in hardware, network and user behavior **during the process**, **alerting** to any anomalies. These sophisticated **anti-deepfake** controls are also integrated into e-signature solutions such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature). By requiring robust **biometric identity verification** before a contract can be signed, it **ensures the highest level of security** that the person signing is who they say they are. The result is a **smooth** and frictionless **contracting flow**. ## **Digital Tools for Companies: Avoiding Deepfake Fraud with KYC and Biometrics** For a company, integrating a robust defense against **deepfakes** is not an option, it is a strategic necessity. Solutions such as Tecalis are offered as a **service (IDaaS** \- Identity as a Service) that is **easily and quickly integrated** into any application or enterprise web via an **API (Application Programming Interface)**. This API integration **allows** a bank, insurance company or telecommunications company **to** add a highly secure identity **verification process in a matter of days**. 1. **API Invocation:** When a new customer initiates a registration process on the company's website or app, the company's system makes an **API call to the** identity verification **platform.** 2. **Secure Evidence Capture:** The Tecalis solution **securely takes control**. [**OCR**](https://www.tecalis.com/blog/software-ocr-recognition-optical-character-recognition-enterprises) **technology** (Optical Character Recognition) automatically **extracts the data**.  3. **Biometric Verification and Proof of Life:** The user records a short video of his face. During this recording, the **AI runs in the background**: passive liveness analysis, 3D depth detection, texture analysis, etc. **It compares the face** in the video with the ID photo. 4. **Anti-Fraud Analysis:** Algorithms **analyze the video** for any **signs of tampering**, **deepfake**, or attack. 5. **Response and Verification:** In a matter of seconds, the platform completes **more than 20 security checks** and returns a response to the enterprise via API: identity verified or fraud alert. This multi-layered approach, combining **document verification, facial biometrics and active/passive liveness detection with AI**, creates an ecosystem of digital trust. It not only shields the enterprise against **deepfake** fraud, but also ensures **compliance with stringent regulations** (such as eIDAS), optimizes the customer experience by providing a **fast** and frictionless **process.** The threat of **deepfakes** is constantly evolving, but with the right tools, we can stay one step ahead, **protecting our identity**. --- ## All About Verifactu: What it is and How to Invoice **URL:** https://www.tecalis.com/blog/verifactu-guide-how-to-invoice-aeat-verified **Descripción:** Complete guide to the Verifactu system, how it works, how to connect to Verifactu and what to do to issue invoices. The digitalization of tax processes in Spain takes another step forward with the arrival of **Verifactu**, a new system for issuing verifiable invoices that will transform the way companies and freelancers manage their invoicing. Promoted by the State Tax Administration Agency in Spain **(AEAT)**, this system is not only a new obligation, but a strategic tool in the **fight against tax fraud** and the underground economy. Its implementation, regulated by **Royal Decree 1007/2023**, marks a before and after in tax transparency and control. This article is a **complete and detailed guide** to understand in depth **what Verifactu is**, **how it works**, who **it affects** and **how to adapt your business** to this new reality to ensure compliance and **avoid penalties**. We will analyze from the legal foundations of the **Verifactu Regulation** to the technical details of the "Verifiable Invoice Issuing System", including the crucial role of the QR code. If you are an entrepreneur or professional, this information is essential for the future of your business. ## **What is Verifactu and How Does it Affect Your Invoicing?** **Verifactu** is the name given to the system and format that **regulates** the requirements that **invoicing software** must comply with to guarantee the integrity, conservation, accessibility, legibility, traceability and unalterability of the records. In essence, these are systems that, at the moment of **issuing a** [**digital invoice**](https://www.tecalis.com/blog/digital-invoice-electronic-certificate-invoices-mandatory-example)**, generate a computer record** that can be sent securely and, in some cases, automatically to the **AEAT**. The main objective of the **Verifactu system** is to **put an end to the** so-called **"dual-use software"**, programs that allowed some companies to hide part of their sales and, therefore, **evade taxes**. With Verifactu, **every invoice issued leaves a digital footprint that can be verified by the tax authorities**. This directly affects the daily operations of any business. **It will no longer be enough** to **use just any** invoicing **program**; it will be **mandatory** for this **software** to **comply with the** technical and legal **standards** defined in the regulations. The most visible change for the customer will be the **inclusion of a QR code** on all invoices, which will make it possible to **verify their authenticity**. ### **Verifactu Regulation: Anti-Fraud Law and Royal Decree 1007/2023** The legal basis for Verifactu is found in **Law 11/2021, of July 9, on measures to prevent and combat tax fraud**. This law **amended article 29.2.j)** of the **General Tax Law**, establishing the obligation for producers, marketers and users of invoicing systems and software to **guarantee the principles** of integrity, conservation, traceability and unalterability **of the records**. To develop this legal provision, **Royal Decree 1007/2023 of December 5** was published, a key document that details all the technical and functional specifications that **invoicing software must comply with**. It is also important to understand that **the** [**Ley Crea y Crece**](https://www.tecalis.com/es/blog/ley-crea-y-crece-factura-electronica-facturacion-boe-2022-entra-vigor-2023-2024-creacion-empresas-morosidad-comercial) **law of electronic invoice has also affected how we understand invoices today in Spain.** The regulation not only defines the characteristics of the software, but also establishes **obligations for developers**, who must submit a responsible statement ensuring that their programs **comply with the regulations**. ### **Objectives and Benefits of Verifactu System.** **How it Affects** **The AEAT, Taxpayers and Companies.** Although the implementation of a new system **may seem like an** administrative **burden**, **Verifactu pursues clear objectives** and brings benefits for both the Administration and the business community. **For the AEAT:** * **Fight Against** [**Tax Fraud**](https://www.tecalis.com/use-cases/risk-fraud-processing-document-notarization)**:** this is the primary objective. Having a **real-time record** of operations makes it **difficult to hide income** and manipulate accounting. * **Greater Control and Traceability:** it allows **the AEAT** to follow the trail of commercial transactions more efficiently, facilitating inspection work. * **Automation and Efficiency:** the **standardization of** billing record **formats streamlines information** processing and reduces the need for manual requirements. * **Improved Taxpayer Assistance:** with the information available, the AEAT will be able to provide taxpayers **with more complete** and accurate draft returns, **simplifying compliance** with their tax obligations. **For Taxpayers and Companies:** * **Simplification of Obligations:** by submitting data to the AEAT, **the preparation of** VAT **registration books** and other tax forms **will be facilitated**, **reducing the risk** of errors. * **Legal Certainty:** using a certified system guarantees **compliance** with current **regulations**, **avoiding** possible **penalties and adapting to the new** [**electronic invoice**](https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation) **formats.** * **Commercial Transparency:** the **verified invoice** provides a **greater guarantee of authenticity** to customers. Anyone receiving an invoice can check its validity by scanning the QR code. * **Digitization and Modernization:** it drives the **adoption of** advanced digital **tools**, resulting in **improved efficiency and** overall business **productivity.** **Fair Competition:** by reducing the underground economy, it **promotes a fairer market** where all companies compete on a level playing field. ## **How Does Verifactu Work? The Technical Process of the Verifiable Invoice** **Understanding how** Verifactu **works** technically is **key to understanding its scope**. The process is based on the interaction between the business owner's invoicing software, cryptographic security and AEAT systems. The general flow is as follows: * **Invoice Creation:** the user enters the transaction data into his **Verifactu software**. * **Generation of the Billing Record:** when issuing the invoice, the system generates not only the document for the customer, but also a **"discharge billing record"**. This record contains all invoice data in a standardized **XML format.** Similar to what we know as [**e-Invoice**](https://www.tecalis.com/blog/einvoice-e-invoice-einvoicing-invoicing-programm-electronic-digital-invoices). * **Application of Security Measures:** to guarantee unalterability and integrity, the software applies two key cryptographic mechanisms: **Chaining of records,** so that if the record is altered, the chain is broken, and **Electronic signature**, guaranteeing the authenticity of its origin. * **Issuance of The Invoice to The Customer:** the invoice delivered to the customer **must include the QR code** and, in some cases, the phrase "Invoice verifiable in the electronic headquarters of the **AEAT**" or **"VERI\*FACTU**". * **Remission to The AEAT (optional): Verifactu** systems **allow the immediate sending** of invoicing records to the **AEAT** electronic headquarters. If a company opts for this modality, its system will communicate directly with the Tax Authorities every time it issues an invoice, **sending the signed XML record**. Companies that **do not opt for** immediate **sending must keep the records** in full and secure in order to make them available to the AEAT when required. There are **free business solutions such as Tecalis Factura Electrónica** that allow you to **create invoices** with this format and connect with the AEAT and the Verifactu system automatically and more easily than doing it from the AEAT website (which is complex and rough). **You only need to upload your company digital certificate in** [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) and you will be able to create invoices with it through Tecalis Electronic Invoice. ### Verifactu System Requirements: The "Verifiable Invoice Issuing System". A software, in order to be considered a "Verifiable Invoice Issuing System" according to Royal Decree 1007/2023, **must meet** a series of very strict **technical requirements.** It is not just a matter of adding a QR; the **architecture** of the program must be **designed to ensure the inviolability** of the data. The key elements are: * **Integrity and Inalterability:** the system must guarantee by design that, **once** an invoice **is issued**, its **record cannot be altered**. Any subsequent **modification** (such as a cancellation or rectification) must **generate a new record** that **refers to the original**, always maintaining traceability. * **Traceability:** it must be **possible to follow the complete sequence** of all invoices issued. This is achieved through the chaining of records, mentioned above. * [**Electronic Signature**](https://www.tecalis.com/blog/electronic-signature)**:** the system must be able to **sign each** invoice **record** with a **qualified** electronic **certificate**. This ensures that no one can repudiate the authorship of an invoice. * **Event Logging:** the software must **automatically log certain events**, such as **system startup**, shutdown, user login or logout, or unauthorized **modification attempts**.  * **Communication With the AEAT:** for systems operating in the **"Verifactu" mode (with data sending)**, the software must be able to **establish a secure communication** with the AEAT servers to send XML files in real time. * **QR Code Generation:** the software must **generate a QR code** with a specific format and content. ### **QR in Verified Invoices: What Information Does it Contain? Its Importance for Invoice Traceability** The QR code **is the most visible element** of **Verifactu** and plays a fundamental role, being a gateway to invoice verification. By scanning it with a mobile device, the invoice recipient can instantly check its validity. **The information contained in the QR code is accurate and standardized:** * **Issuer's VAT number.** * **Invoice number and series.** * **Date of issue.** * **Total amount of the invoice.** * **Billing system identifier.** * **Technical data of the chained** **_hash._** When a user **scans** the QR code, their device is **redirected** to a secure **AEAT page**. On this page, the Agency will confirm whether it has received a billing record that matches the QR data. * **If the company uses a Verifactu system with data remission:** AEAT will be able to confirm that the invoice has been **correctly declared**. This can be automatically connected with applications such as Tecalis Sign and Tecalis Electronic Invoice. * **If the company uses a system that does not automatically remit data:** AEAT will confirm that the QR data is consistent and technically valid according to the regulation, although it will **not** be able to **confirm receipt.** The importance of this code is **threefold**: 1. **It Brings Confidence to The Recipient:** it allows any customer to be sure that the invoice they have received is legal. 2. **It Facilitates Inspection:** an inspector can scan several invoices at random and detect irregularities. 3. **It Encourages Social Control:** it encourages consumers themselves to collaborate in the fight against fraud. ## **Implications of Entry Into Force : Who is Obliged and From When? Dates and Deadlines** The **obligation to use software adapted to Verifactu** extends to practically the entire business fabric in Spain. They are obliged: * **Corporate Income Tax taxpayers.** * **IRPF Taxpayers** who carry out economic activities (self-employed). * **Non-Resident Income Tax taxpayers** who obtain income through a permanent establishment. * **Entities under the income attribution regime** that carry out economic activities (such as communities of property or civil societies). There are some **exceptions**, such as **taxpayers** under the **Immediate Supply of Information** (SII), since **they already report their invoicing** almost **immediately** to the AEAT. Certain sectors with special invoicing regimes, such as **agriculture, livestock and fishing**, are also exempt. **The implementation deadlines** are a crucial aspect to take into account when planning the adaptation: * **Software Producers and Developers:** they have a period of **9 months** from the **publication of the Ministerial Order** developing the technical aspects of the Royal Decree to adapt their products. This order was published on **April 2nd 2025****.** * **Companies and Professionals (end users):  the obligation to use these adapted billing systems will come into force on January 1st 2027 for every company except freelancers that will be forced to adapt on July 1st 2027**. As of that date, **all invoices** will have to be issued with **software** that meets the **Verifactu** requirements**.** ### **Penalties for Non-Compliance** Non-compliance with the Verifactu regulations carries with it a **very severe penalty regime designed to deter** any temptation to fraud. Penalties affect all parties involved: * **For Users (Companies and Freelancers):** the use of invoicing programs that do not comply with what is specified in the regulation or that allow data manipulation will be considered a **serious tax infringement**. The penalty consists of a **fixed pecuniary fine of €50,000 for each tax year** in which the illegal software has been used. **For Software Producers and Marketers:** the manufacture, production and marketing of software that allows to keep different accounting records, not to reflect all the operations or to alter transactions already recorded will be sanctioned with a **fixed pecuniary fine of 150,000 Euros for each fiscal year** in which sales have taken place and for each different type of system marketed. ## **How to Adapt to Verifactu: Software Solutions and Steps to Follow** Adapting to Verifactu is a process that must be approached **in a planned manner**. The management software market is already working at full capacity to offer adapted and certified solutions, **such as Tecalis (Sign and e-Invoice).** **Steps to follow for a correct adaptation:** 1. **Audit of the Current System:** analyze the invoicing software you are currently using. Contact your supplier and ask if their program will be compatible with the **Verifactu Regulation.** Ask them to confirm that they will issue the corresponding "responsible declaration" required by law. 2. **Research New Solutions:** if your current software is not going to adapt or does not convince you, it is time to **explore the market**. Look for **Verifactu software** solutions that fit your business needs (cloud billing software, electronic signature and invoice software, etc.). Compare functionalities, prices and, above all, make sure they guarantee regulatory compliance. **In Tecalis Sign and Tecalis Electronic Invoice you can connect with Verifactu through API or directly create invoices from its web platform.** 3. **Migration Planning:** changing invoicing software requires planning the migration of customer, product and historical invoice data. It is advisable to do this process with the help of the new vendor. 4. **Staff Training:** the team in charge of invoicing must **know how** the new system **works** and understand the implications of **Verifactu**, such as the impossibility to delete or modify invoices already issued. 5. **Obtaining a Digital Certificate:** the electronic signature is a **pillar of Verifactu.** Make sure you **have a** valid and operational **digital certificate** of a representative or natural person **to be able to sign the billing records**. 6. **Decide How to Communicate With The AEAT:** you will have to decide whether your company will use the Verifactu system or simply use a software that meets the requirements but without the automatic sending. The first option, although voluntary, **will simplify in the long run the relationship with the Tax Authorities** and the fulfillment of tax obligations. In short, **Verifactu** represents a paradigm shift in invoicing and tax management in Spain. It is a firm **commitment** to **transparency, digitalization** and tax justice. **Adapting in time** and with the right software solution is also an opportunity to **modernize the administrative management of your business** and compete in a more transparent and equitable market. --- ## DORA Regulation: What It Is and Its Impact on Businesses and Users **URL:** https://www.tecalis.com/blog/dora-regulation-digital-operational-resilience-eu-law-compliance **Descripción:** What the DORA Regulation is, who it applies to, its key pillars, and what implications it has for businesses and end users. In an increasingly **digitized world**, the **stability of the financial system** depends directly on the robustness of its **technological infrastructures, with the DORA regulation helping in this regard**. **Any interruption or failure** in the digital services of a financial institution can have **devastating consequences**, not only for the organization itself, but also for the economy. Aware of this reality, the **European Union** has taken a step forward with the creation of the **DORA (Digital Operational Resilience Act) Regulation**, a regulation that seeks to **strengthen the digital operational resilience of the financial sector.** This regulation **establishes a unified regulatory framework** for managing risks related to **Information and Communication Technologies (ICT).** It aims to ensure that all financial institutions and their critical technology providers are **able to withstand, respond to and recover from** all types of **incidents**. DORA places **cybersecurity** and digital resilience **at the heart of** business **strategy.** In this article, we will take an in-depth look at what the **DORA Regulation** is, who it affects, what its **key pillars** are and what **implications** it has for businesses and end users. ## **What Is The DORA (Digital Operational Resilience Act) Regulation?** **Regulation (EU) 2022/2554**, known as **DORA (Digital Operational Resilience Act)** or **Digital Operational Resilience Act**, is an **EU legislative initiative** designed to consolidate and harmonize digital operational resilience requirements across the financial sector in the Union. **Published on December 27, 2022**, DORA came into force on January 16, 2023 and **mandatory** for affected entities from **January 17, 2025**. The main motivation behind DORA is the financial sector's growing dependence on digital infrastructures and the **proliferation of** increasingly sophisticated **cyber threats.** Until now, ICT risk management was **governed by general guidelines** and **fragmented** national regulations**,** creating an **uneven regulatory landscape** and leaving security gaps. **DORA solves this problem** by establishing a **single, detailed set** of rules covering everything from risk management and incident reporting to resilience testing. **DORA** seeks to ensure that the **European financial system can remain operational** and resilient even in the face of severe operational disruptions. This implies that banks, insurers, investment firms and other financial players, as well as the critical technology providers that serve them, must **implement robust measures to prevent, detect, contain, respond to and recover from ICT incidents**. ### **The Five Pillars of DORA: Europe's ICT Risk Management Framework** **The DORA Regulation is structured around five fundamental pillars** that form a coherent and comprehensive ICT risk management framework. These pillars set out **specific technical requirements** that financial institutions must integrate into their daily operations. 1. **ICT Risk Management**: the **central pillar** of **DORA**. It requires financial institutions to **have a robust**, comprehensive and well-documented **ICT risk management framework.** This framework must enable them to proactively identify, classify, assess, protect against, prevent, detect, respond to and recover from ICT risks. 2. **ICT Incident Management, Classification and Reporting**: DORA harmonizes and **simplifies incident reporting**. It establishes a standardized process for entities to classify incidents according to their impact and **report** them **to the competent authorities**. 3. **Digital Operational Resilience Testing**: to verify the effectiveness of the measures implemented, **DORA requires a** rigorous and comprehensive **testing program**.  4. **Third-party Risk Management (ICT Providers)**: DORA recognizes that **risk** comes not only from within, but **also from within its digital supply chain**. It therefore establishes requirements for the management of ICT service providers. 5. **Information Sharing and Cyber Intelligence**: the regulation **promotes collaboration and information sharing** on cyber threats among financial institutions. ## **Digital Operational Resilience Act: The Role of Authorities and Compliance.** **The** effective **implementation** of the **DORA Regulation depends** to a large extent on the **active** and coordinated **role of supervisory authorities**, both at national and European level. **DORA establishes** a **clear supervisory structure** to ensure that financial institutions comply with their obligations and that the regulatory framework **is applied consistently across the EU**. **National Competent Authorities** (Bank of Spain or the CNMV in Spain) are **primarily responsible for supervising compliance** with DORA by financial institutions operating in their jurisdiction. Their functions include: * **Assessment of Risk Management Frameworks**: they review and assess entities' ICT risk management documentation, strategies, policies and procedures. * **Incident Monitoring**: they receive and analyze reports of serious incidents, ensuring that entities take appropriate corrective action. * **Review of Resilience Testing**: they oversee digital resilience testing programs and, in particular, the results of advanced penetration testing (TLPT). * **Sanctioning Powers**: empowered to conduct inspections, require remediation of identified deficiencies and impose administrative sanctions and corrective measures in case of non-compliance. At the European level, the **European Supervisory Authorities (ESAs)** play a crucial **coordinating and regulatory development** role. Together with the Joint Committee of the ESAs, they are responsible for: * **Development of Technical Standards**: they develop the regulatory technical standards (RTS) and implementing technical standards (ITS) detailing the specific requirements of DORA, ensuring harmonized implementation. * **Critical Supplier Supervision Framework**: One of the ESAs will be designated as the **"**lead supervisor" for each CTPP, coordinating a joint supervision team with experts from the national authorities. Entities **must actively demonstrate** that they have **integrated the requirements** of the regulation into their governance, systems and processes. This involves being able to **evidence their effectiveness and report transparently** to supervisors. ### **Who Is Affected by The DORA Regulation? Overview of Regulated Entities** The scope of application of DORA is **extremely broad** and covers almost the entire EU **financial and insurance sector**. The regulation applies to more than **20 different types of financial institutions as** well as ICT service providers. **Financial institutions** covered by DORA include: * **Credit institutions** (banks). * **Payment** and e-money **institutions**. * **Investment services companies**. * **Alternative investment fund managers** and UCITS management companies. * **Insurance and reinsurance companies**, as well as insurance intermediaries. * **Cryptoassets**: cryptoasset service providers (under [**MiCA Regulation**](https://www.tecalis.com/blog/mica-law-regulation-european-markets-crypto-assets-stablecoins-tokens)) and issuers of asset-backed tokens. * **Market Infrastructures**: central counterparties (CCPs), credit rating agencies, benchmark administrators and data repositories. * **Crowdfunding**: providers of crowdfunding services. As mentioned above, DORA applies directly to **ICT service providers** that are designated as **critical** to the financial sector. This designation is made by the European Supervisory Authorities **based on criteria** such as the **number of** financial institutions they **serve**, the systemic **importance** of **these institutions** and the **difficulty of replacing the provider**. The regulation contemplates the **principle of proportionality**, which means that the application of its **requirements will be adapted to the size**, business profile and risk level of each entity. **Smaller entities** are subject to a **simplified framework.** ## **DORA and Its Impact on Cybersecurity and Business Continuity Management** The **DORA Regulation redefines the approach to cybersecurity** and **business continuity** in the financial sector. Traditionally, these two disciplines have often been managed separately. **DORA merges them** under the unifying concept of **digital operational resilience**, recognizing that you can't have one without the other. **The most significant impact** is the shift from a reactive to a **proactive, risk-based** approach. Entities must have a **comprehensive strategy** that spans the entire risk lifecycle, **from prevention to recovery to learning.** **Cybersecurity Impact:** * **Board Accountability**: elevates **cybersecurity to a top priority issue** for the board of directors. * **Threat Intelligence**: forces entities to go further and **develop** threat intelligence **capabilities** to **anticipate and prepare** against attacks. * **Advanced Testing**: requiring TLPT testing for critical entities **introduces a level of rigor** in security testing **that is unprecedented** in financial regulation. **Impact on Business Continuity:** * **Focus on Critical Functions**: requires **detailed business impact analysis (BIA)** to identify critical functions and **establish** clear **recovery time objectives (RTO)** and **recovery point objectives (RPO).** * **Response and Recovery Plans**: Business continuity and disaster recovery plans **must be more detailed**, integrated with incident management and **tested regularly.** **Crisis Communication**: **robust communication plans** must be in place to **manage communication with customers and authorities** during a major disruption. ### **Differences and Synergies Between DORA and Other EU Regulations (NIS2, GDPR, eIDAS, etc.).** DORA does not operate in a regulatory vacuum. **It is integrated into the complex ecosystem of EU digital regulations**, creating synergies and overlaps with other key regulations. * [**NIS2**](https://www.tecalis.com/blog/nis2-nis-2-directive-cibersecurity-approval-compliance-requirements-measures-sri2-regulations) **(Network and Information Security 2) Directive**: horizontal directive establishing cybersecurity measures for critical sectors. **DORA is a** **_lex specialis_** **for the financial sector**, i.e. for financial institutions **DORA prevails over NIS2**. The **requirements of DORA are more detailed** and **stringent** than those of NIS2. * **GDPR (General Data Protection Regulation)**: **DORA and GDPR are complementary**. RGPD focuses on the **protection of personal data** and privacy, **DORA focuses on the operational resilience of the systems** that process that data. * [**eIDAS**](https://www.tecalis.com/blog/euid-digital-identity-regulation-european-union-eidas-2-identification-companies-commercial-registry-wallet-code-eudi) **(Electronic Identification, Authentication and Trust Services)**: establishes the **framework for electronic identification** and trust services (**electronic signatures, seals, etc.**). DORA relies on the services regulated by eIDAS to **ensure the security and integrity** of digital transactions and communications. * **AML6 (6th Anti-Money Laundering Directive)** and [**KYC**](https://www.tecalis.com/guides/onboarding-kyc-id-verification-identity-verification-banking-bfsi-fintech-finance-product-fact-sheet) **(Know Your Customer) Standard**: focus on the **prevention of money laundering**. The digitization of **KYC processes** depends on resilient ICT systems. DORA ensures that the **platforms used** for customer identification and transaction monitoring **are secure** and available. * **MiCA (Markets in Crypto-Assets)**: **regulates the issuance** and provision of services related to **cryptoassets**. DORA applies to crypto-asset service providers covered by MiCA, ensuring that these new digital entities **meet the same standards** as traditional finance. ## **Digital Operational Resilience Regulation (DORA), Driver of Secure and Resilient Digital Transformation.** The **Digital Operational Resilience Regulation (DORA)** should be seen as a **strategic opportunity** and a key driver **for the digital transformation** of the European financial sector, laying the foundations for a more **secure, innovative and resilient** financial **ecosystem**. Companies that proactively address DORA will not only ensure compliance, but will also **build a** lasting **competitive advantage.** They will be **better prepared to innovate**, to adopt new technologies and to respond with agility to the challenges of the future. ## **DORA Implementation and Compliance: Challenges and Opportunities for Companies** Adapting to the **DORA Regulation** by **January 2025** has presented both significant challenges and strategic opportunities for financial institutions and their vendors. **Challenges:** * **Complexity and Cost**: implementing DORA can be a complex and costly process. It requires investments in technology, internal process re-engineering and the hiring or training of specialized cybersecurity staff. * **Supply Chain Management**: managing third-party risk is one of the biggest challenges. Entities need to review and renegotiate contracts with ICT suppliers to include the clauses required by DORA, in addition to implementing a monitoring system. * **Talent Gap**: There is a global shortage of qualified cybersecurity professionals. Finding the talent needed to implement and maintain DORA compliance is a competitive challenge. * **Cultural Integration**: DORA requires digital resilience to be a shared responsibility, from the board of directors to the last employee. **Opportunities:** * **Improved Resilience and Trust**: entities that embrace the regulation strengthen their security posture, reduce the risk of costly disruptions, and increase customer confidence. * **Competitive Advantage**: strong operational resilience can become a key differentiator. Companies that prove to be safer and more reliable better attract and retain customers. * **Operational Efficiency**: reviewing and optimizing ICT processes and systems to comply with DORA can lead to greater operational efficiency, better visibility of technology assets and more informed decision making. **Secure Innovation**: by establishing a clear and robust security framework, DORA can act as a catalyst for innovation. Entities will be able to adopt new technologies with greater confidence, knowing that they have the right controls in place. ### **How a Trusted Service Provider Can Help You Comply With DORA** **Qualified Trust Service Providers** [**(QTSPs) like Tecalis**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas), **regulated by the eIDAS framework,** are **strategic allies** for financial institutions for **DORA compliance**. They offer **technology solutions** that incorporate **high levels of security**, integrity and authenticity, addressing the requirements of the regulation. A QTSP helps to comply with DORA in several key ways: * **Strong Client Authentication (SCA)**: to protect access to systems and data, DORA requires strong authentication mechanisms. QTSPs offer digital identity solutions and qualified certificates that enable secure multi-factor authentication. * **Data Integrity and Confidentiality**: [**qualified electronic** **signatures**](https://www.tecalis.com/blog/signature-electronic-company-advanced-digital-certificate-company) and seals ensure that data and communications have not been altered and come from a verified source. * **Secure Communications**: incident reporting and threat information sharing require secure communication channels. Certified electronic delivery services provided by QTSPs ensure the confidentiality, integrity and proof of delivery of these communications. * **Traceability and Non-Repudiation**: QTSP solutions, such as qualified time-stamping, provide an immutable audit trail of transactions and operations, crucial for investigating incidents and demonstrating compliance to regulators. **Tecalis**, **as a QTSP,** offers **digital identity and e-signature solutions** designed to **help companies** in the financial sector **comply with DORA**. * **Identity Verification (Video ID and Photo ID)**: Tecalis' digital identification solutions allow [**KYC and customer onboarding processes**](https://www.tecalis.com/guides/onboarding-kyc-id-verification-identity-verification-banking-bfsi-fintech-finance-product-fact-sheet) to be performed remotely and securely, complying with security standards and **AML regulations.**  * **Biometric Authentication**: **Tecalis** offers multi-factor authentication systems using facial or fingerprint biometrics. They can be integrated into mobile banking applications or online platforms to provide a robust and frictionless layer of security for account access and transaction authorization. * **Qualified Electronic Signature (QES)**: **Tecalis**' electronic signature**, Tecalis Sign**, enables the signing of contracts and documents with the highest level of legal and technical security recognized in the EU. The use of QES guarantees the integrity of the document and the authenticity of the signatory. The implementation of **Tecalis solutions** enables financial institutions to not only meet specific DORA requirements related to access security and data integrity, but also to **automate and secure key processes, freeing up resources and improving operational efficiency** while building a truly resilient digital environment. --- ## Certified digitization: converting paper documents to digital **URL:** https://www.tecalis.com/blog/certified-digitization-paper-document-digital-invoices-approval-aeat **Descripción:** About certified digitization: how to convert paper documents to legally valid digital, who is authorized to do so, and their approval by the Spanish Tax Agency In the era of digital transformation, the concept of **the "paperless office" has become a strategic necessity**. But for a company to **securely and legally** dispose of its physical files**,** it needs a process that ensures that digital copies have **the same validity as their paper originals**. This is what we call **certified digitization.** Certified digitization is a **legal and technological framework regulated by the Spanish Tax Agency (AEAT)**, which allows organizations **to convert invoices**, contracts, delivery notes, and other critical documents into **unalterable** and authentic **digital files**. This change **not only frees up physical space**, but also provides unprecedented levels of efficiency and security. In this article**,** we will analyze in detail **what certified digitization is, how it works,** what **its benefits** are**, the legal framework** that regulates it, the **technical requirements** it must meet, and how to implement it in your company to **comply with regulations.** ## **What is Certified Digitization and Why is it Important?** Certified digitization is the **process of converting paper documents into digital format while guaranteeing their authenticity,** integrity, and inalterability, so that the electronic versions are **legally equivalent to the physical originals**. It is not a matter of creating a reference copy, but rather of generating a **legally recognized substitute** for the physical document.  The key to this process lies in its ability to **guarantee the integrity and authenticity of the digital copy** through the use of **cryptographic mechanisms**, such as advanced electronic signatures, and the use of **software approved by AEAT.** To do this**, technologies owned by** [**trusted service providers**](https://www.tecalis.com/blog/trust-service-provider-electronic-services-trusted-third-party-tsp-qualified-ttp-parties-digital-mediator-list) registered in the European Union and other equivalent bodies **are used** to certify this process. It is this guarantee of inalterability that gives the process its main strategic value: the ability to proceed with the **legal destruction of the original paper document**. In Spain, this procedure is mainly regulated by **Order EHA/962/2007, of April 10**, and the **Resolution of October 24, 2007**, **of the AEAT**, which establish the requirements that the systems and software used must meet. ### **Legal Basis and Difference From Scanning** The difference between a scanned document and a certified digitized copy is enormous from a legal perspective. A **simple scan generates a digital image with no** intrinsic probative **value**. In contrast, a **certified digitized copy is a legal construct** whose validity stems from strict compliance with a process defined by Spanish and European legislation. The legal pillars holding up this process are: * **Order EHA/962/2007**: the founding regulation that specifically **defines and regulates** the **process for the certified digitization** of invoices and substitute documents. It defines the process as "the obtaining of a faithful and complete digital image of the original paper document to be replaced". * **Law 39/2015 and Law 40/2015**: these laws establish the **general framework for administrative procedure** and the legal regime **of the public sector**, recognizing and regulating the use of electronic signatures as a mechanism to guarantee integrity and authenticity in electronic interactions. ### **Benefits of Certified Digitization: Costs, Efficiency, and Compliance** The adoption of a certified digitization system has a positive and measurable impact on multiple areas of the company: * **Direct and Indirect Cost Savings**: the most immediate advantage is the drastic **reduction** in the need **for physical storage space**, eliminating the costs associated with filing or renting premises, in addition to **savings on consumables** such as paper and ink. Indirectly, there are **significant savings in working hours**, as employees no longer have to spend time on tasks such as filing. * **Exponential Increase in Efficiency and Productivity**: being able **to retrieve any document in seconds** through intelligent searches transforms workflows. This agility is multiplied when the system is integrated with the company's accounting software or ERP, **automating processes** such as invoice accounting. * **Enhanced Security and Regulatory Compliance**: the process **ensures compliance with AEAT regulations**. **It mitigates the risk of loss** or damage to critical documents due to incidents such as fires, floods, or simple misplacement. In cybersecurity, the **use of electronic signatures and** cryptographic **seals prevents unauthorized modification** of documents, creating a tamper-proof digital archive.   * **Improved Strategic Decision-making**: instant access to accurate and reliable financial and operational information **enables managers to make faster** and  **more** informed  **decisions**. The cumulative effect of these benefits is a source of competitive advantage by providing the organization with greater **operational agility**. These savings **allow for the reallocation of resources** from repetitive administrative tasks to higher-value activities, such as data analysis or financial planning.  The result is a **company that can react more quickly to** market **changes**, close its books faster, and streamline processes such as customer onboarding. ## **The Process of Certified Digitization: Steps to Ensure Legal Validity** An approved certified digitization process **follows an uninterrupted and auditable sequence of phases**, where **technology guarantees integrity** at every stage. Advanced tools such as Tecalis solutions automate this flow to offer maximum efficiency and security: 1. **Image Capture**: the first step is to obtain a high-quality digital image of the paper document. This is done using scanners that comply with the resolution and quality standards defined by the regulations. 2. **Data Processing and Extraction** [**(OCR - Optical Character Recognition)**](https://www.tecalis.com/blog/software-ocr-recognition-optical-character-recognition-enterprises): once the image has been captured, the approved software processes it. Technologies such as **OCR** play a key role. Tools such as **Tecalis OCR analyze the image and automatically extract key data** from the document (tax ID number, invoice number, date, etc.), minimizing manual data entry and associated errors.   3. **Metadata Generation and Indexed File**: the system uses the extracted data to generate a set of structured metadata. This "**index file" must contain all the mandatory fields** required by tax and accounting regulations.  4. **Application of Electronic Signature and Time Stamp**: the crucial step that "certifies" the document. **An advanced electronic signature is applied to the digital image** and its associated metadata. This signature **acts as a cryptographic seal** that guarantees two fundamental principles: **authenticity** (who performed the process) and **integrity** (it has not been modified). Simultaneously, a qualified time stamp is applied to certify the exact moment when the digitization was performed. 5. **Secure Storage and Document Management**: the digital file, together with its signature and metadata, is **stored in a secure** and organized **document database**. Solutions such as **Tecalis Sign** not only manage the signing process, but also act as a secure digital archive, **allowing the custody, management, and consultation of documents** with full legal guarantees and complete traceability of all actions performed on them. ### **Software Requirements With AEAT Approval** In order for software to be used in a certified digitization process, it must obtain AEAT approval. This process verifies that the tool complies with the specific technical specifications detailed in the **Resolution of October 24, 2007.** The requirements include: * **Image Quality and Standard Formats**: the software must **guarantee a minimum resolution** to ensure that the copy is faithful and complete. In addition, only **standard file formats** that ensure interoperability and long-term preservation, such as **ISO 19005 (PDF/A)**, PNG, or PDF 1.4, are permitted.  * [**Advanced Electronic Signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature): **an advanced or qualified electronic signature**, based on a recognized digital certificate, must be **incorporated** to seal each digitized document. * **Digital Fingerprint (hashing)**: at a technical level, integrity is guaranteed by **hash functions. A unique "digital fingerprint" is created** for each file. Any minor alteration to the document would produce a completely different fingerprint. * **Structured Document Database**: the system must **organize the documents in a database that allows** full  **access**, online consultation, and selective searching by any of the mandatory data fields in the invoice logbooks.   * **Formal Approval Process**: the software **developer must submit a formal application to the AEAT** that includes a responsible statement, a technical description, and an **audit report issued by an independent entity** certifying that the software complies with all regulatory requirements. With the use of **fingerprint, certification, and electronic signature technologies such as** [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature), certified digitization systems can perform this process with **full legal validity**. The **AEAT** maintains a public list of approved certified digitization software. This gives companies the peace of mind that, if they use one of these solutions, they will be complying with the regulations. Suppliers such as **Tecalis** have approvals and constant updates to adapt to regulatory changes. ### **Mandatory: Legal and Secure Destruction of The Original Paper Document** One of the most important aspects of certified digitization is that **it enables the destruction of physical documents**. This step must be carried out in a controlled and documented manner to avoid legal risks. The AEAT requires that, once it has been verified that the digital document meets the requirements of integrity and authenticity, **the original paper document** be **destroyed** to avoid duplication and fraud.  The aim is to ensure that there is only **one valid copy**, avoiding confusion in audits and ensuring that the digital copy is the only document with probative value. ### **Most Common Use Cases by Sector: Invoices, Delivery Notes, Payroll, etc.** The application of certified digitization **spans multiple departments** and processes, demonstrating its versatility and ability to solve critical business problems: * **Finance and Accounting Department**: this is the main area. Certified digitization of supplier invoices **allows them to be imported and** automatically **accounted for in ERP systems**, the management of tickets and receipts for expense reports, and the legal archiving of sales invoices issued.   * **Logistics and Supply Chain**: the digitization of delivery notes or delivery slips is a high-impact use case. A carrier can **collect the** handwritten **signature** on the paper delivery note, **digitize it in a certified manner on the spot**, and transmit it to headquarters.   * **Human Resources**: certified digitization of employment contracts, signed pay slips, sick leave forms, [**employee onboarding**](https://www.tecalis.com/blog/onboarding-what-is-employees-clients-companies-incorporation-induction-process), and other employee file documents **ensures secure, confidential archiving that complies with** data protection and labor  **regulations**.   * **Legal and Purchasing Department**: converting signed contracts, confidentiality agreements, purchase orders, and other legal documents to a certified digital format **ensures their long-term preservation** and facilitates their quick retrieval in the event of litigation or an audit.   * **Healthcare Sector**: with extremely strict regulations, the certified digitization of medical records, informed consents, and administrative documentation **ensures the integrity, confidentiality, and quick access to patient information.**   The common thread linking all these use cases is that they apply to **"record documents"**: those that **have intrinsic value** and require the highest level of trust and auditability. **It is not a question of digitizing general correspondence**, but of protecting documents that serve as proof of a transaction, an obligation, or a right. ### **How to Integrate Certified Digitization Into Your Company's Processes** Certified digitization reaches its **full potential** when **it ceases to be an isolated file and is fully integrated** into the company's technological ecosystem, primarily with Enterprise Resource Planning **(ERP)** and [**Document Management and Processing**](https://www.tecalis.com/use-cases/risk-fraud-processing-document-notarization) **(DMS)** systems. * **Integration With ERP**: a certified digitization system must **communicate natively with the company's ERP**. This connection allows, for example, when digitizing a supplier invoice, the data extracted by the OCR to be sent directly to the ERP accounting module for validation and payment. This **enables the automation** of complex processes without **human intervention**.  * **Integration With DMS**: the process acts as a secure and legal gateway to a broader document management system. Tools such as **Tecalis Sign** not only function as a platform for electronic signatures, but also as a **high-security digital archive**. Acting as a **Trusted Third Party,** these platforms allow **digitized** and certified **documents to be stored**, managing their lifecycle, **controlling access permissions**, and maintaining a complete audit trail of each query or action.   The integration of these systems creates a single source of truth for company data and documents. It transforms digitization into a **real-time business intelligence engine**. When invoice data is captured, certified, and entered into the ERP almost instantly, the company's financial overview is updated by the minute. Financial planning is no longer based on month-end reports but on live, accurate data. ## **Who Can Digitize and What Requirements Must The Company Meet?** The regulations establish that the certified digitization process can be carried out by **two main actors**: **the taxpayer** (the company) or a **service provider such as Tecalis**. Regardless of the option chosen, what must be clear is that the **essential requirement** for the EU and the AEAT is **to have software that is** duly **approved** for the process. Opting for a **specialized service provider such as Tecalis offers** significant **advantages**, as it takes on the burden of **acquiring** and maintaining the approved **software**, **managing the** technological **infrastructure**, **keeping up to date with regulatory changes**, and **ensuring that the process** is carried out with the **highest quality and security**, freeing the company from this complex responsibility.   Within the ecosystem of providers, there is a category that offers the highest level of legal certainty and trust: the [**QTSP**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas) or **Qualified Trust Service Provider**. A QTSP is a natural or legal person who has been **certified** by a national supervisory body to **provide qualified trust services** under the strict framework of **Regulation (EU) No. 910/2014, known as** [**eIDAS**](https://www.tecalis.com/blog/euid-digital-identity-regulation-european-union-eidas-2-identification-companies-commercial-registry-wallet-code-eudi). This regulation creates a common European framework for electronic identification and trust services, ensuring that **they operate securely, reliably, and with full legal recognition** in all EU **member states**.   The services offered by a QTSP, such as **Tecalis**, include: * Issuance of qualified certificates for electronic signatures and seals. * Qualified signature and seal validation services. * Qualified time-stamping services. * Qualified services for the preservation of electronic signatures, seals, and documents. ### **Order EHA/962/2007 and Other Regulatory Frameworks** As mentioned above, this is the **legal basis** for certified digitization **in Spain**, regulating both the conditions for document preservation and **software requirements.** At the European level, the **eIDAS Regulation (910/2014)** establishes the framework for electronic signatures, digital seals, and trust services. In Spain, **Law 6/2020 adapts eIDAS to domestic law** and reinforces the legal certainty of these processes. ### **Is it The Same as Verifactu? Clarifying Concepts** A common question is whether certified digitization is the same as [**Verifactu, the invoicing system**](https://www.tecalis.com/blog/verifactu-guide-how-to-invoice-aeat-verified) that will become mandatory in Spain. The answer is **no**; they are **complementary but different** concepts. While **Verifactu** focuses on **issuing invoices in real time,** ensuring that the billing records **sent to the AEAT** are accurate and unalterable, **certified digitization** focuses on the **preservation and replacement of paper documents with digital copies**. In conclusion, certified digitization is a **strategic requirement** for companies that want to comply with regulations, gain efficiency, and move towards a **paperless office**. Adopting advanced technological solutions, such as those offered by **Tecalis**, **allows companies to digitize their invoices**, delivery notes, payrolls, and contracts in a certified manner, electronically seal each document, and eliminate paper with legal peace of mind. --- ## 6AMLD: What to Know About the Sixth EU Anti-Money Laundering Directive **URL:** https://www.tecalis.com/blog/6amld-6-amld-aml-sixth-eu-regulation-money-laundering-prevention **Descripción:** 6AMLD, the sixth generation of EU anti-money laundering regulations. Regulatory context, developments, differences from predecessors, and how to comply. To combat financial crime, the **European Union** has equipped itself with a **state-of-the-art legislative** arsenal. This has culminated in the **Sixth EU Anti-Money Laundering Directive (6AMLD**), formally known as **EU Directive 2018/1673.** This regulation is not only an update of previous ones, but also **responds to** the recent and **complex threats** facing the financial system. Between 2012 and 2018, **EU banks paid more than $16 billion in fines** related to money laundering, a clear sign that existing regulations were not a sufficient deterrent. **The 6AMLD came into force on December 3, 2020**, with a deadline for implementation by **companies of June 3, 2021**. Designed to **close the** legal **loopholes** and gaps **that criminals had exploited** for years, it establishes a strict criminal liability regime **with severe penalties.** This article provides an **analysis** of the sixth anti-money laundering directive, breaking down its legal framework, key developments, the crimes it covers, and how organizations can navigate this complex regulatory landscape **with the help of advanced technological solutions.** ## **What Does 6AMLD Mean in the European Regulatory Context?** The **6AMLD** represents a crucial step in the **evolution of** the European Union's **regulatory framework** in the **fight against money laundering**. Its main objective is **to harmonize the definition of predicate offenses of money laundering**, strengthening the legal basis for sanctioning both individuals and legal entities. 6AMLD **expands the range of behaviors classified as crimes**, including the facilitation of money laundering, and **adds new categories such as cybercrime** and influence peddling, which were not uniformly classified in member countries. Likewise, the 6AMLD (or [**AML6**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation)) **strengthens the tools for judicial cooperation** and investigations, facilitating more agile processes between European authorities. ## **Legal Framework of 6AMLD: Harmonization of Money Laundering Offenses** **Prior to 6AMLD**, the **lack of a common definition** for predicate offenses created a **fragmented legal landscape**. Criminals could commit tax fraud in one member state and launder the proceeds in another where laws were more lax, greatly complicating investigations. **The 6AMLD addresses this problem** by **establishing a binding list of** criminal **activities** whose monetization is considered money laundering throughout the EU. **The directive specifies 22 crimes** that must be **criminalized by all member states** as a basis for the crime of money laundering. This list is exhaustive and ranges from traditional crimes to emerging threats. Some examples we mention are: * **Organized and Serious Crime**: Terrorism, trafficking in human beings, narcotics or weapons, sexual exploitation, kidnapping, or piracy. * **Financial Crimes**: Corruption, fraud, counterfeiting of currency, or insider trading. * **New Threats**: Counterfeiting of products, environmental crimes, and cybercrime. **The** explicit **inclusion** of **cybercrime** and **environmental crime** as predicate offenses is one of the **most significant innovations of 6AMLD**. This expansion requires regulated entities to look beyond traditional financial red flags. ## **Key Developments in 6AMLD and Their Impact on Businesses. Differences From AML5 and AML4** Broadly speaking, there are four new developments: 1. **Expanded Scope of Application: Criminalization of "complicity" to prosecute facilitators.** The new directive expands to include any person who knowingly **aids, incites, attempts, or is an accomplice** in the commission of the crime. This concept, known as **"aiding and abetting**,**"** targets those who facilitate money laundering.   2. **Expanded Criminal Liability: The end of impunity for legal entities.** The most revolutionary change. For the first time, companies and other legal entities can be held **criminally liable** for money laundering offenses committed for their benefit by employees or managers. Liability may arise from direct action or from a **"lack of supervision or control"** that made the offense possible. It is now up to the company to demonstrate that it had robust internal controls in place to actively prevent financial crime.   3. **Tougher Penalties: Raising the stakes with more severe punishments.** **The 6AMLD seeks to ensure that penalties have a real deterrent effect**. To this end, it significantly toughens the penalties: from **four years' imprisonment** for **individuals** to massive **fines** of up to €5 million for **legal entities**. 4. **Enhanced Cooperation: addressing double criminality and cross-border investigations.** It addresses the problem of "double criminality" **by requiring cooperation** even when the predicate offense is not defined in the same way in all the jurisdictions involved. **In addition, it provides criteria for deciding where prosecution should take place**, considering factors such as the country of the victim, the nationality of the perpetrator, and the place where the offense was committed, ensuring a coordinated and seamless response. **AML4 laid the structural foundations** for the regulations and consolidated a focus on identifying beneficial owners. **AML5 expanded** the focus on **new instruments for committing** [**fraud in areas such as cryptocurrencies**](https://www.tecalis.com/blog/fraud-crypto-currency-cryptos-types-kyc-mica-aml-markets)**.** **6AMLD**, as we have mentioned, **focuses on cooperation and** criminal **liability**, **as well as harmonizing** crimes across member states. ## **How to Comply With 6AMLD Thanks to KYC and AML Solutions?** **The complexity and severity of 6AMLD make manual** and reactive **approaches** to compliance **insufficient** and dangerous. The directive itself recognizes the **need to leverage technology for effective implementation**. Modern compliance requires a **proactive, automated**, and risk-based **approach** that not only detects suspicious activity but also generates an irrefutable audit trail.   Manually managing **Customer Due Diligence (CDD)**, monitoring transactions against 22 predicate offenses, and mitigating corporate liability risk is a huge and error-prone task. **Automation through RegTech (regulatory technology) platforms** is the only way to ensure **consistent,** scalable, and defensible  **compliance**.   A robust compliance program aligned with the **sixth anti-money laundering directive** must be built on three fundamental technological pillars: 1. **Robust Customer Due Diligence (CDD):** This involves not only verifying a customer's identity at the time of onboarding, but also understanding and monitoring their risk profile throughout the business relationship.   2. **Advanced Identity Verification (KYC/KYB): T**he identity of natural persons **(Know Your Customer)** and the legitimacy and structure of legal entities **(**[**Know Your Business**](https://www.tecalis.com/product/kyb-business-verification-ia-screening)**)** must be reliably verified to prevent criminals from accessing the system from the outset.  3. **Continuous Risk Assessment and Transaction Monitoring: C**ompliance is not a one-time event. It requires constant monitoring of transactions for suspicious patterns and continuous screening of customers against sanctions lists, PEPs, and adverse news. ### **Technology Partners for Comprehensive 6AMLD Compliance** In this new and demanding environment, having a **specialized technology partner** is crucial. **Trusted service providers** and **RegTech** partners offer an ecosystem of **solutions** specifically **designed to address the challenges of 6AMLD.**   For example, the [**Tecalis Identity**](https://www.tecalis.com/products/identity-verification) and Tecalis Sign platforms directly address the CDD requirements of 6AMLD, providing the tools for secure, automated identity verification and secure signing of financial contracts. * **Biometrics, Liveness Detection,** [**OCR**](https://www.tecalis.com/blog/software-ocr-recognition-optical-character-recognition-enterprises)**, and NFC:** Use a **set of advanced technologies** to ensure that the person performing the onboarding is who they say they are and that their **documents are authentic**. Facial biometrics are compared with the photo on the document, preventing identity fraud. Optical Character Recognition automatically extracts data from the document without errors, while NFC technology can read chips in passports and identity documents. These measures are a direct defense against fraud and cybercrime. * **Automated KYC/KYB Workflows: Automate the entire onboarding process**, from document capture to verification. This not only **speeds up the process and improves the customer experience**, but also ensures consistent application of compliance policies. Each step is recorded, creating an audit trail that serves as evidence. **Tecalis Identity KYB** is specifically designed to verify corporate documents, meeting one of the core requirements of AML regulations. [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) protects your company from the legal consequences of 6AMLD. Its value goes far beyond simply signing a document. * **Legal Validity and eIDAS Compliance:** It offers multiple types of electronic signatures (simple, with OTP, biometric, and certified), all of which comply with the EU's eIDAS regulation. This guarantees the full legal validity of all signed contracts and agreements.   * **The Critical Role of Immutable Audit Reports:** Every interaction within a Tecalis Sign signature process—from sending the document, opening it, viewing it, to the final signature—is recorded with a timestamp and stored in an **immutable audit report**. This document can be **admissible expert evidence in legal proceedings**. * **Automation of Secure Contracting:** The platform allows you **to create templates and workflows to automate** the entire **contracting process**. This ensures that each contract follows a standardized procedure in accordance with company policies.  In the context of **6AMLD,** a tool like **Tecalis Sign** is transformed. It ceases to be a solution for improving operational efficiency and becomes a **strategic legal defense asset**. The Tecalis Sign audit report provides a **definitive and objective response.** It demonstrates, with reliable evidence, that a robust and compliant process was followed for a specific transaction. Therefore, the investment in such a platform **is no** longer **measured by the time saved, but by its ability to build an evidentiary shield** that can protect the company from million-dollar fines. ### **Types of Crimes in AML6: Updated Classification** For compliance teams to act effectively, it is vital **to understand how** some of the key predicate **offenses manifest themselves** in practice and **how** monitoring **systems** need to **be adapted**. * **Cybercrime:** Activities such as phishing, hacking, or digital fraud. Transaction monitoring **systems** must **be able to identify patterns** associated with this crime. For example, **flows of funds from multiple unknown sources** converging on a single account and being withdrawn quickly, often via cryptocurrencies, may be an indicator of ransomware collection.   * **Tax Crimes:** Tax evasion or avoidance to conceal assets. Harmonization to include direct and indirect taxes means that financial institutions **must be alert to more complex evasion schemes**. This could include the **use of cross-border corporate structures** to hide income or commit VAT fraud.   * **Corruption and Fraud:** The detection of these crimes **depends largely on robust and continuous screening of Politically Exposed Persons (PEPs)** and adverse news. An effective compliance system **must be able to alert in real time** if a customer or one of their counterparties appears in news related to investigations into bribery, corruption, or large-scale fraud, allowing for an immediate reassessment of their risk profile. ## **Criminal Liability of Legal Entities and Individuals** **The 6AMLD establishes a clear** and unambiguous **liability framework**, where both individuals and organizations must be held accountable for their actions and omissions. **For natural persons:**  The directive reiterates that criminal liability **extends beyond the actual perpetrator** of the money laundering. Any individual who **aids, abets, or facilitates the commission of the crime is equally guilty**. This means that employees who collaborate in the concealment of illicit funds may face prison sentences of up to **four years**.   **For legal entities:** A company may be held criminally liable under **two** main **conditions**: 1. If a money laundering offense is committed **for its benefit** by a person in a management position. 2. If the commission of the crime was made possible due to a **lack of supervision or control** by one of these persons in a management position.   **This second point is crucial.** The absence of a robust compliance program, lack of staff training, or lack of adequate technology for supervision can be interpreted as a **"lack of control" that opens the door to criminal liability for the company**, with **fines of up to millions of euros or a direct ban on activity.** --- ## Telco Industry Outlook 2025-2030: Industry Mornings Overview **URL:** https://www.tecalis.com/blog/tecalis-industry-mornings-telco-brunch-digital-transformation-innovation **Descripción:** Our first Tecalis Industry Mornings for the telco sector features inspiring talks, technology demos, debates on AI, and networking. # **Telco Industry Outlook 2025-2030: Industry Mornings Overview** The telecommunications sector is at a historic crossroads. Acting as the true **circulatory system of the digital economy**, telcos are the foundation on which teleworking, streaming, autonomous cars, and the entire connected future that is already here are built. In this context of rapid change, innovation is not an option, it is an obligation. To analyze the challenges and, above all, the immense opportunities that are emerging, **Tecalis and Google held the first** [**Tecalis Industry Mornings: Telco Brunch**](https://www.tecalis.com/es/eventos/tecalis-google-industry-mornings-telco-2025). The event became a **high-level forum** where **industry leaders, experts, and visionaries discussed the keys to an** inevitable **transformation** marked by artificial intelligence, the redefinition of the customer experience, and intelligent automation. In this article, we summarize the **ideas, figures, strategies, and technologies** discussed at the event, forming a roadmap for the immediate future of the sector. ## **What is Happening And What Will Happen in the Telco Industry?** The opening session, led by **Isidoro Martínez, CEO and Co-Founder of Tecalis**, began with a precise analysis of the present and future of the sector. Far from being a stagnant industry, telecommunications is a vibrant ecosystem with massive investment capacity and economic impact. The figures speak for themselves and help us to gauge the playing field. ### **Figures and Current Events in the Telecommunications Sector** The dynamism of the industry is reflected in compelling data that demonstrates its resilience and commitment to innovation: * **€35 billion** in revenue in Spain, consolidating its weight in the national economy. * **€1 trillion** in revenue at the European level, demonstrating its continental reach. * **60% investment** by operators in the modernization of infrastructure and services. * **95% of households** already have access to fiber optics, one of the most advanced networks in the world. * **82% of the population** has 5G coverage, laying the foundations for the new generation of connected services. However, this landscape faces major challenges: fierce **competitive pressure**, **increasingly demanding customers** who want immediacy and personalization, and a clear trend toward **market concentration**. In this scenario, technology emerges as the key lever for differentiation. Isidoro highlights two trends that are no longer the future, but a tangible present: 1. **Artificial Intelligence**: AI is the central theme that runs through all telco operations, especially in **customer service**. Its application enables real **hyper-personalization**, designing commercial offers tailored to each individual thanks to intelligent data analysis. It also facilitates unprecedented **proactivity**, anticipating incidents and solving problems before the customer perceives them. 2. **Secure Digital Contracting**: The way customers sign up is changing radically. The imminent mandatory implementation of regulations such as **eIDAS 2.0** starting next year requires 100% digital, secure, and frictionless onboarding processes. We are talking about sign-ups via a simple QR code, without the need to present physical documentation. Solutions such as [**Tecalis Identity**](https://www.tecalis.com/products/identity-verification) already integrate these flows natively, ensuring regulatory compliance and an exceptional user experience. ## **Telco Workshop: Best Practices, Challenges, and AI for the Telco Sector** Following the strategic vision, **Alberto Campos, our Chief Operations Officer**, delves into the "how," presenting a technical workshop focused on resolving friction points in the contracting cycle and sales management. The premise is clear: technology must simplify complexity. In a traditional **face-to-face sales** process, the problems are obvious: manual data entry, risk of document fraud, and slow processes. Tecalis' proposal subverts this paradigm: * **Data Capture Via QR or NFC**: The process starts with the scanning of a code that represents the sale, securely transferring the transaction to the customer's mobile phone. This not only speeds up the process, but also ensures that the customer is physically in the store, mitigating fraud. * **Identity Verification (KYC)**: From their mobile phone, the customer initiates a verification process where our technology validates that the identity document is real and belongs to the person presenting it, using active and passive proof of life. * **Scoring and Electronic Signature**: With the data verified, processes such as [**bank scraping**](https://www.tecalis.com/ebooks-whitepapers/bank-scraping-reading-scoring-kyc-kyb-aml-digital-onboarding) can be executed to obtain a real-time risk score. The cycle culminates with an **electronic signature** (simple or advanced, depending on the case) that generates an **Audit Trail**, an unalterable audit document that collects all the digital evidence of the process, guaranteeing maximum legal security. ### **Customer Hub: The Ecosystem for Comprehensive Seller Management** The complexity lies not only in the sale, but also in the management of the channels. The centerpiece of this is **Customer Hub,** an ecosystem of solutions that unifies product sales on a single platform. It allows silent integrations with organizations such as the **Spanish Tax Agency (AEAT) and Social Security** to validate a customer's solvency in real time, and can even be integrated as a **widget** on a wholesaler's website, adapting to its look and feel to automate sales. ### **AutoSIM and DxBot: The Unattended Registration Revolution** One of the most disruptive products presented is [**AutoSIM**](https://www.tecalis.com/use-cases/auto-sim-swapping-activation-duplicate), a Plug & Play solution that allows marketing departments to launch telco products without the need for complex integrations with core systems. Its magic lies in **DxBot**, a robot that, when scanning a QR code, connects to the telco's systems to check the rates available in real time and present them to the customer. While the customer completes the KYC process on their mobile phone, the robot uses that information to complete the registration in the company's systems, **issuing an activated e-SIM in a matter of seconds.** ### **AI and "Customer Hub Copilot": Empowering the Human Agent** AI is the next level in the evolution of Customer Hub. **Alberto Campos** introduces us to the concept of **"Customer Hub Copilot**,**"** an advanced conversational agent designed not to replace the salesperson, but to empower them. This copilot, based on Google's LLMs, is founded on three technical pillars: 1. **Retrieval-Augmented Generation (RAG)**: The agent connects in real time to internal knowledge bases (manuals, offers, tutorials), allowing the salesperson to instantly resolve complex queries, such as: _"What are the differences between rates X and Z for a customer with this score?"_ 2. **Tool Calling**: The agent can interact with external systems. An after-sales agent can ask in natural language: "_Show me a summary of the customer, the last three invoices, and open incidents,"_ and Copilot will consult the CRM, ERP, and ticketing system via API to return a consolidated response. 3. **Feedback and Self-Improvement Cycle**: When an incident is resolved by a human technician, that validated solution is fed back into the vector knowledge base. Thus, the next time Copilot encounters a similar problem, it will already know the correct answer, creating a system that continuously learns and improves. ## **Cloud, AI, Agents, and SaaS: What to Expect in the Telco Industry?** The conversation between **Isidoro Martínez and Álvaro Sierra, VP Telco at Google**, elevates the debate to the major strategic trends that are redefining the telco business model. The mantra is clear: operators want **to "do more with less**,**"** and to do so, AI is the key to integrating their vast data silos (CRM, network data, third-party data) and turning them into actionable intelligence. The goal is twofold: * **Generate New Business**: Identify behavior patterns to proactively offer cross-selling and upselling opportunities with products that fit the customer and their needs. * **Reduce Churn**: AI can detect subtle changes in a customer's consumption patterns that indicate a possible switch to a competitor, allowing the telco to act before it's too late. Álvaro's example: if a micro network outage interrupts an important soccer game involving the club I support, a proactive notification apologizing and offering a small bonus can dramatically reduce the likelihood that I, as a customer, will switch ### **From Chatbots to AI Agents: the Era of Proactivity** One of the most important distinctions to keep in mind is between **chatbots and AI agents**.  * A chatbot is, in essence,  **a reactive system that responds to predefined inputs** with predesigned messages and responses to follow a series of steps that guide the customer in a simple way to the resolution of their problem, or at least take them to the right place to achieve it.  * An AI agent is **proactive, has reasoning capabilities, and can perform** complex **actions** by interacting with other company systems, such as autonomously registering or canceling a service. It can understand customer messages to provide a comprehensive and reasoned response to give them a solution on the spot, or offer alternatives that better suit their needs. This ability is essential for building a **truly unified omnichannel experience in a polished** [**customer journey**](https://www.tecalis.com/blog/customer-journey-360-solutions). The worst customer experience is having to repeat your problem every time you change channels (from the phone to the physical store, for example). Having an AI agent that centralizes the context ensures that every interaction is smooth and consistent, regardless of the channel. The future of call centers is **hybrid**: AI agents will handle transactional tasks, while human agents will provide empathy and resolve complex problems where the relational factor is key. ## **Telco Technology in Action** From concept to reality. **Javier Novoa, our Head of Product Marketing, and Raúl Louzao, Head of Sign & e-Invoicing,** take the stage to demonstrate how all this technology works in practice. Javier shows us a **SIM self-activation flow (AutoSIM)** from start to finish, highlighting how Tecalis technology eliminates friction: KYC with proof of life is performed in seconds and ID card data is used to **automatically fill in the form fields**, preventing the customer from having to repeatedly type in their information. ### **The B2B Opportunity: Electronic Signature and Invoicing** Raúl Louzao focuses on the B2B segment, a huge opportunity for telcos. With electronic invoicing becoming mandatory under laws such as **"**[**Crea y crece**](https://www.tecalis.com/es/blog/ley-crea-y-crece-factura-electronica-facturacion-boe-2022-entra-vigor-2023-2024-creacion-empresas-morosidad-comercial)**" in Spain**, operators are in a unique position to bundle this service with electronic signatures and their connectivity offerings. The value is threefold: 1. **Increased ARPU** (average revenue per user). 2. **Differentiation**, providing value that goes beyond connectivity. 3. **Retention**, since changing billing providers is much more complex than changing mobile lines, ensuring long-term customer loyalty. ### **Tecalis Kiosks: The Self-Service Revolution** The highlight of the demos comes with the live presentation of **the Tecalis self-service kiosk**. What does a customer experience at the kiosk during the entire process of purchasing a SIM card? * The user selects the rate on the touch screen. * The kiosk uses its built-in scanner to perform a **complete KYC process**, asking the user to insert their ID card. * A camera performs a **liveness check** to ensure that the person is who they say they are. * After reviewing and signing the contract on screen, payment is made and **the kiosk instantly issues the activated SIM card**. This entire network of terminals is managed from **Tecalis Kiosk Cloud**, a platform that allows real-time monitoring of the status of each kiosk, its sales, its consumable levels (paper, SIM cards), and even remote configuration of its components, such as turning on the internal light or fan if a rise in terminal temperature is detected. ## **Are AI and Kiosks Going to Work on Our Behalf?** Isidoro Martínez returns to close with a provocative question that everyone has asked themselves at some point in recent years: "Are AI and kiosks going to replace us?" The answer, from Tecalis' point of view, is a resounding **NO**. "They are not going to work for us, they are going to work **WITH** us." AI and automation are not substitutes for human talent; they are **support tools that will allow us to perform better, be more efficient**, and focus on tasks with greater added value. The figures that closed the event reinforce this vision: **47% of AI uses in telcos are already aimed at improving customer service**, and the self-service kiosk market will exceed **$45 billion by 2028.** To round off the event, we announced the new generation of terminals, the **Tecalis Kiosk T0X for 2026**, which will integrate advanced hardware, AI for behavior analysis, native 5G connectivity, and a sustainable design. Tecalis x Google Industry Mornings: Telco Brunch has shown us that the future of the telco sector is already under construction. A smarter, more agile, and customer-centric future. --- ## Financial Innovation Summit 2025, Keys and Challenges in the New Financial Era **URL:** https://www.tecalis.com/blog/financial-innovation-summit-vii-2025-key-challenges-financial **Descripción:** Everything about the seventh edition of the Financial Innovation Summit 2025, a leading forum for leaders in the financial industry **The financial sector is undergoing a period of rapid transformation**, and the **Financial Innovation Summit** has established itself as the leading forum where industry leaders come together to decipher the future. Now in its **seventh edition**, it promises a deep dive into the technologies and strategies that are **changing** not only operations, but the very **DNA of finance.** This [**FIS2025**](https://www.tecalis.com/es/eventos/financial-fintech-innovation-summit-fis-vii25) reveals a **clear protagonist: Artificial Intelligence**, approached as a **360º strategic** axis**.** Alongside it, **cybersecurity** in the custody of digital assets, the emergence of DeFi, and the revolution in the insurance sector will mark the conference. Below, **we review the topics to be discussed and a preliminary analysis of our participation** and sponsorship in the Financial & FinTech Innovation Summit 2025. ## **AI 360º: The New Strategic Axis for Banking and CFOs** [**Artificial Intelligence**](https://www.tecalis.com/blog/ai-artificial-intelligence-impact-areas-business-companies-integrate-how-to) has transcended the category of "trend" to become the **strategic pillar of the financial sector**. FIS 2025 makes this clear by dedicating multiple panels to its impact, not only on technology, but also on **business and leadership**. The conversation will go beyond algorithms to focus on: * **The Strategic Role for The CFO**: We will analyze how AI is redefining the financial function, optimizing decision-making, and helping CFOs navigate geopolitical and market complexity. * **Humanization of Banking**: Far from depersonalizing, we will discuss how AI can free professionals from repetitive tasks so they can focus on higher-value advice, making banking "more human than ever." * **Data Quality**: The effectiveness of any AI system depends on the information that feeds it. Data quality and management are critical success factors for any implementation. ## **The Challenges of Cybersecurity and Financial Asset Custody** As **digital assets**, from **cryptocurrencies** to **tokenized assets**, gain ground, **protecting them becomes one of the biggest challenges** for the industry. The event will address this issue, **directly linking cybersecurity with custody.** The discussion will focus on the **need for robust, regulated infrastructures** that guarantee the security of these new assets, combining regulatory frameworks such as [**DORA**](https://www.tecalis.com/blog/dora-regulation-digital-operational-resilience-eu-law-compliance) with advanced security architectures such as **Zero Trust.** ## **DeFi and Tokenization: The Next Generation of FinTech** If the **first wave of FinTech digitized traditional services**, the **new generation**, driven by decentralized finance (DeFi) and tokenization, **seeks to rebuild them**. We will explore how these **technologies, based on blockchain** and smart contracts, are **creating a more open, efficient, and accessible financial system**. Real-world use cases will be analyzed that go beyond cryptocurrencies, covering the tokenization of illiquid assets and the **creation of new** capital **markets**. ## **Revolutionizing Insurance: AI and Innovation in The Insurtech Sector** **The** insurance **sector is undergoing its own revolution**, a point that FIS 2025 highlights with a dedicated panel. **AI is transforming the entire value chain:** from personalized risk underwriting and fraud detection to automation in claims management. We will explore how **Insurtech companies are collaborating with traditional insurers to create more flexible, customer-centric products** based on real-time data. ## **Open Finance and Web3: Towards a Connected Ecosystem** The future of banking is open and connected. The evolution of regulations such as [**PSD2 and the future PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance) is consolidating Open Finance, allowing users to share their data securely between different entities. This empowers technologies such as **"bank scraping"** to offer value-added services, such as financial aggregators or more accurate credit scoring analysis. Supported by scalable **Cloud Banking** infrastructures and with an eye on a decentralized future with **Web3,** the sector is moving towards a model of integrated platforms where the bank becomes the epicenter of a much broader ecosystem of services. ## **Tecalis' Proposal for The Banking of The Future** Our involvement in the Financial Innovation Summit goes beyond sponsorship; we are there to present the tools that respond to the major challenges facing the sector. The focus of our proposal this year is on innovative **self-service kiosks,** designed to transform bank branches or deploy financial services in new commercial environments. These all-in-one devices allow users to verify their identity, sign contracts with a digital signature, and obtain a card instantly.  We will also show how our **digital onboarding platform** combines [**KYC**](https://www.tecalis.com/products/identity-verification), KYB, and AML technologies to design faster and smoother onboarding processes, while ensuring compliance with regulatory frameworks such as PSD3, DORA, MiCA, and eIDAS2 to accelerate customer acquisition with a superior experience. ### **A Roadmap for The Financial Future** The Financial Innovation Summit 2025 **promises to be much more than a trend update**. This year's agenda offers a **strategic roadmap, where AI is the engine, cybersecurity is the shield, and tokenization is the vehicle** towards a new financial ecosystem. The big challenge for industry leaders will be to integrate these innovations in a coherent, secure way that brings real value to the customer. **At Tecalis, we share this vision** and are ready to take on these challenges, co-creating the future of finance. --- ## Sixth AML Directive: What it is, How it Affects You, and Automating Compliance **URL:** https://www.tecalis.com/blog/sixth-aml-directive-6amld-eu-money-laundering-6-amld **Descripción:** In-depth study of the EU's Sixth AML Directive, analyzing implications and exploring technological solutions to end money laundering **Money laundering and terrorist financing** are increasingly sophisticated threats that **undermine the integrity of the** global **financial system** by financing illicit activities. In response, the **European Union has strengthened** its regulatory framework with the new **Sixth Anti-Money Laundering Directive (**6AMLD), a revision of previous anti-money laundering directives to **redraw responsibilities and toughen penalties** for collaborating companies. However, this is not merely an update, but a **paradigm shift** in the fight against the flow of illicit money. It is important for companies to understand that this is not just a matter of regulatory compliance, but a **necessity for protecting** both their reputation and avoiding millions in fines.  In this article, we take an in-depth look at the EU's **Sixth AML Directive**, analyzing its implications and exploring how the most advanced technological solutions are key to navigating this new landscape. ## **What The EU's Sixth AML Directive Entails** **The Sixth AML Directive, known as** [**6AMLD**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) and formally as **EU Directive 2018/1673**, came into force in **December 2020**, with its **transition** period ending **in June 2021**. Its fundamental purpose is to **strengthen the fight against money laundering throughout the European Union,** achieved through **legislative harmonization,** the elimination of legal loopholes, and the imposition **of more severe criminal penalties.** Unlike its predecessors, which focused primarily on prevention through customer due diligence, **6AMLD delves fully into the realm of criminal law**. Its goal is to ensure that criminals and the organizations that support them face unified and forceful consequences, regardless of which member state they operate in. ## **Main Objectives of AML6** The key pillars of the **Sixth EU AML Directive** are: 1. **Harmonization of Predicate Offenses**: The creation of a harmonized list of **22 predicate offenses** which, when they generate profits, constitute money laundering. This unified list eliminates discrepancies between national laws. **It includes** traditional crimes such as **drug trafficking and corruption** and explicitly **adds** new-generation crimes such as **cybercrime** and **environmental crimes**. 2. **Extension of Criminal Liability**: Expands the scope of **culpability**. It is no longer only those who launder money who are prosecuted. Now, aiding and abetting money laundering are also punishable offenses. 3. **Corporate Liability (Companies)**: The **6AMLD** unequivocally establishes that **companies and other legal persons** can be held criminally **liable** for money laundering committed for their benefit. The consequences are serious, including significant fines, exclusion from public tenders, and even dissolution. 4. **Tougher Penalties**: It imposes **stricter penalties**. For individuals, the maximum prison sentence for money laundering offenses is increased to a minimum of **four years**. For companies, penalties can reach **millions**. 5. **Cross-Border Cooperation**: The need for closer **judicial** and police **cooperation between** member **states** is reinforced in order to effectively investigate and prosecute money laundering cases, which, by their nature, are often transnational in character. ## **How Does 6AMLD Affect You? Implications for Businesses and Professionals** The implications of **6AMLD** are profound and far-reaching, affecting a wide range of sectors beyond traditional banking. **All entities subject to the AML directives**, such as financial institutions, insurers, asset managers, crypto-asset service providers, auditors, notaries, lawyers, and real estate agents, **must review and strengthen their compliance systems.** The main implications center on the need for **more rigorous due diligence** and a **more sophisticated risk-based approach**. Businesses must actively demonstrate that they understand the specific risks they face and have implemented proportionate and effective measures to mitigate them. The consequences of non-compliance are more severe than ever: * **Criminal Penalties**: The possibility of prison sentences for senior management and key employees introduces an unprecedented level of personal liability. * **Financial Penalties**: Fines of up to €5 million or 10% of the company's annual turnover. * **Reputational Damage**: Being associated with a money laundering investigation can destroy the trust of customers, investors, and partners. * **Exclusion From Business Opportunities**: A conviction can lead to a ban on accessing public funding, participating in tenders, or even the revocation of operating licenses. ### **How to Avoid AML6 Sanctions?** The answer to avoiding penalties lies in **being proactive and adopting advanced technology.** The complexity of the sixth anti-money laundering directive, coupled with the complexity of modern criminal networks, means that manual processes are insufficient and prone to error. Therefore, we will need **robust compliance for the future,** thanks to the implementation of comprehensive KYC (Know Your Customer) and AML systems such as those offered by Tecalis. ## **Identity Verification (KYC) Solutions to Comply With AML6** The **sixth anti-money laundering directive** requires robust technological capabilities. The rule is clear: organizations must have the necessary resources and procedures in place to identify, assess, and mitigate money laundering risks. This is where **RegTech technology becomes a company's greatest ally.** **State-of-the-art KYC/AML solutions, such as Tecalis Identity**, offer a holistic solution designed to **overcome the challenges posed by AML6**. These solutions **are automated** and reinforce compliance at every stage. Some of the features that make [**Tecalis Identity**](https://www.tecalis.com/products/identity-verification) **the perfect partner** are: * An **automated KYC system** that verifies documents and identifies individuals with biometric markers. * **Incorporating lists** such as PEPs, those sanctioned by administrations, or watchlists. * **Constant monitoring** of transactions and behaviors. * **Complete audits and records.** ### **AML6 and KYC: How Have Know Your Customer Processes Changed With 6AMLD?** **6AMLD** has raised the bar for KYC processes. Customer **identity verification**, **a fundamental pillar of KYC**, must be more thorough and continuous. * **From Static to Dynamic Verification**: KYC is no longer a one-off event during onboarding. The directive drives the need for ongoing due **diligence**. This involves monitoring transactions and the customer's profile throughout the business relationship to detect changes in their risk behavior. * **Identification of The Ultimate Beneficial Owner (UBO)**: The pressure to accurately identify the ultimate beneficiary of complex corporate structures has intensified. Technological solutions make it possible to automate the consultation of commercial registers and global databases to untangle these structures and ensure transparency. * **Risk-Based Approach**: Not all customers can be treated equally. Advanced KYC platforms use AI and machine learning to assign a risk score to each customer based on multiple variables (geography, transaction type, business profile, etc.), allowing companies to apply simplified, standard, or enhanced due diligence measures as appropriate. ### **How to Manage Money Laundering Risk in The Customer Journey?** **Integrating AML compliance into the customer journey** without creating friction is one of the biggest challenges. A **slow and cumbersome** onboarding **experience** can lead to **customer churn**. Technology makes it possible to balance security and usability. 1. **Frictionless Digital Onboarding**: The best solutions offer a 100% digital process that is completed in seconds. Using technologies such as **biometric verification** and **passive proof of life**, robust but seamless verification is guaranteed. 2. **OCR and NFC Technology**: The use of second-generation [**Optical Character Recognition**](https://www.tecalis.com/blog/software-ocr-recognition-optical-character-recognition-enterprises) allows data to be extracted from identity documents instantly and without errors. **NFC** technology goes one step further, allowing the chip in passports and electronic identity documents to be read, offering maximum security and document authenticity, and preventing forgery. 3. **Intelligent Transaction Monitoring**: Advanced AML systems monitor transactions in real time. Machine learning algorithms learn each customer's behavior patterns and generate automatic alerts for any suspicious deviations (such as unusually large transactions, operations with high-risk jurisdictions, etc.), drastically reducing false positives and allowing compliance analysts to focus on real threats. ## **Automating Compliance With The Sixth Anti-Money Maundering Directive: Benefits and Key Aspects** Compliance with the **sixth anti-money laundering directive** can become a significant competitive advantage. Companies that invest in cutting-edge AML technology discover benefits that go far beyond avoiding fines: * **Improved Operational Efficiency**: Automating manual and repetitive tasks (such as reviewing documents or checking sanctions lists) frees up compliance teams, allowing them to focus on higher value-added tasks, such as investigating complex cases and strategic risk analysis. This translates into a reduction in operating costs of up to 90%. * **Increased Customer Conversion**: A fast, intuitive, and secure onboarding process is a key differentiator in the digital marketplace. According to market research, up to 40% of users abandon a sign-up process if they find it too long or invasive. By optimizing this first interaction, companies increase their conversion rates and improve customer satisfaction from day one. * **Data-Driven Decisions**: The digitization of compliance generates a large amount of data. Advanced platforms offer dashboards and analytics tools that provide a 360-degree view of the risk profile of the customer base, enabling management to make more informed strategic decisions. * **Scalability and Adaptability**: In an ever-changing regulatory environment, agility is crucial. Cloud-based solutions with flexible architectures allow companies to quickly adapt to new regulations, expand into new markets with different legal requirements, and scale their operations without compliance becoming a bottleneck. * **Brand Strengthening**: Ultimately, a visible and effective commitment to combating financial crime reinforces the company's reputation as a secure, reliable, and responsible entity, attracting both customers and investors. New European oversight, through the newly created **Anti-Money Laundering Authority (AMLA)**, which will be fully operational in the coming years, will further increase the pressure on regulated entities. The AMLA will have the power to directly supervise high-risk entities and impose sanctions, making the need for automated, world-class compliance systems even more urgent. ## **Smart and Secure Anti-Money Laundering Systems** The **Sixth AML Directive** marks a turning point in European policy against financial crime. Its focus on **criminal harmonization, corporate liability, and tougher sanctions** sends a clear message: there is zero tolerance for money laundering. For businesses, adaptation is no longer an option, but an unavoidable obligation. **Ignoring the requirements of 6AMLD is a high-risk gamble with potentially devastating consequences**. However, approaching compliance solely from the perspective of fear of punishment is a limited view. The real opportunity lies in **leveraging this regulatory requirement as a catalyst for digital** business **transformation**. The **implementation of advanced technological solutions such as Tecalis Identity** allows organizations not only **to comply with AML6 regulations** in an efficient and robust manner, but also **to optimize their operations**, radically improve the customer experience, and **build a more secure** and scalable **foundation** for future growth. In the digital age, intelligence and automation are not just compliance tools, but the **foundations of trust and competitiveness.** Companies that understand this will not only survive the new regulatory paradigm, but thrive in it. --- ## Accountex 2025: Keys to The Future of Professional Firms and Consultancies **URL:** https://www.tecalis.com/blog/accountex-2025-professional-firms-consulting-technological-transformation-ai **Descripción:** At Accountex 2025, we analyze how technology and a changing regulatory framework are redefining the tax and accounting consulting sector The tax, accounting, and labor consulting sector, as well as the departments and areas that deal with these issues in companies, are at a decisive crossroads, driven by profound **technological transformation and a constantly evolving regulatory framework**. **Accountex** is the **leading event for this sector**, which will take place **on November 5 and 6 at IFEMA.** Finance departments and professional firms **must not only adapt** to what is to come, but **also anticipate change**. **New tools such as automation, AI**, and new service models are redefining the role of the advisor today.  Tecalis is working on its proposal with a stand at the event to collaborate with dozens of professional firms and consultancies, and thus explore the **key points and strengths of the Accountex 2025 event** that will redefine the future of the sector. ## **Accountex: The Key Meeting Point for Consulting and Firm Professionals** [**Accountex Spain**](https://www.tecalis.com/es/eventos/accountex-2025) **is celebrating its 4th edition**, now established as the unmissable event for thousands of professionals, a crucial meeting where **the future of an industry** that acts as **a strategic pillar for the business fabric is defined**.  Accountex is the **leading professional event in the accounting, finance, and business management sector**, bringing together **firms, offices, consultancies**, **and technology providers** in one place (usually IFEMA - Madrid). Accountex Spain showcases the latest **innovations in accounting software, automation, taxation**, **and document management**, offering presentations, networking, and practical demonstrations focused on the digitization of the sector. The importance of this industry is based on legal and regulatory compliance in tax, accounting, and labor matters, as these regulations are complex and change frequently. These professionals work with a **focus on resource optimization and tax savings**, **as well as serving as strategic support in decision-making** for their clients thanks to the information they provide. The event, Accountex Spain 2025, will feature a **debate that will bring together industry leaders and AI on the same panel**, symbolizing the present and future of the profession. In this context of transformation, **Tecalis'** proposal focuses on showing how technology can be the advisor's best ally. At our stand, we will demonstrate how our [**KYC/KYB**](https://www.tecalis.com/products/identity-verification) **and electronic signature solutions** automate and secure key processes.  We explain how to digitize daily operations, from **signing annual accounts** and **managing SEPA mandates** to registering new clients, allowing for a drastic reduction in paperwork and increased productivity with full regulatory compliance. ## **Double Revolution: AI and Electronic Invoicing as Catalysts** **The modernization** of the firm is being **driven by two distinct forces**: **First**, **Artificial Intelligence** has gone from being a promise to a **key tool** for automating accounting, classifying documents, and detecting patterns. The application of AI, **which can be automated**, allows professionals **to free themselves from repetitive tasks** so they can **focus on higher-value ones** such as analysis and strategy. **Secondly**, we find the mandatory use of **electronic invoicing** in Spain, which acts as a catalyst for **digitization** and will come into effect in January 2026. This presents an **unprecedented opportunity to redesign processes**, increase efficiency, and obtain real-time financial insight. It should be noted that electronic invoicing depends on two fundamental pillars: the Crea y Crece Law and the Verifactu system: * [**The Crea y Crece Law**](https://www.tecalis.com/es/blog/ley-crea-y-crece-factura-electronica-facturacion-boe-2022-entra-vigor-2023-2024-creacion-empresas-morosidad-comercial) was designed to **streamline administrative processes**, requiring **invoices issued** by companies and self-employed individuals to be in a **structured electronic format**, allowing for automatic processing. * [**Verifactu**](https://www.tecalis.com/blog/verifactu-guide-how-to-invoice-aeat-verified) **governs invoicing software**, providing a series of **measures and standards that must be met** in order to be considered valid by the tax authorities. If our firm does not have software approved by the AEAT, we risk substantial fines. ## **The 4.0 Firm: From Paperwork Management to Strategic Advice** With **technology taking on a supporting role and management tasks**, the value of the advisor shifts to expert knowledge. The "**office 4.**0" is one that **uses the data** it processes to **offer proactive** and strategic **advice**.  With this change, it becomes a **business partner for its clients**, helping them interpret their finances, optimize resources, and **make better decisions**. This Accountex event will discuss how **to monetize this new added value** and how to communicate this evolution of the service. **Data centralization** tools and **systems such as** [**Tecalis Customer Hub**](https://www.tecalis.com/products/customer-hub-sales) are essential for this to be carried out. Concentrating and organizing all the data necessary for the **daily operation of a consultancy** or firm and having a **360º view of the client**. Added to this is the **inclusion of AI agents**, **which allow the manager to make informed decisions** about what is happening in real time. ## **Optimizing The Firm: Tools for Efficiency and Growth** Digital transformation has a major impact on internal management, and one of the biggest bottlenecks has always been the signing of documents. Operational efficiency, which is key to profitability, requires the digitization of this process. Solutions such as **Tecalis Sign** eliminate paperwork and waiting times, allowing procedures to be formalized in minutes and with full legal validity. We are talking about streamlining critical processes, such as **signing annual accounts, accepting SEPA mandates, signing employment contracts, or giving consent in relation to** [**the GDPR.**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) Optimizing the signing process not only improves internal productivity, but also takes the customer experience to a new level of agility and security. ## **Sustainability and Talent in The Signature of The Future** Two trends are paving the way for the law firm of tomorrow. On the one hand, **sustainability (ESG)** is establishing itself as a **new line of business**. With regulations such as the CSRD (Corporate Sustainability Reporting Directive), more and more **companies will need to measure and report their impact**, and law firms are ideally positioned to **offer this** specialized **advice**. On the other hand, **talent management** is becoming crucial. The challenge is **to attract and retain professionals with** both accounting and technological **skills**. Offering a **modern work environment, with digital tools** that automate tedious tasks and allow for a flexible model, is key to building the teams that will lead the market. ### **The Advisor, a Technology-Empowered Strategist** Accountex 2025 will send a **clear message**: the future of professional firms is not threatened by technology, but empowered by it. **Automation and** [**AI**](https://www.tecalis.com/es/blog/ia-inteligencia-artificial-impacto-areas-negocio-empresas-como-integrar) will not replace **advisors**, but rather **elevate them to a new category**: that of **indispensable strategists** for their clients' growth. Firms that embrace change, invest in the right tools, and focus on added value will not only survive but **thrive in this new era.** ### **Accountex and HR Expo Share Space at IFEMA** [**HR Expo**](https://www.tecalis.com/es/blog/hr-expo-2025-talento-recursos-humanos-gestion-tecnologia-digital) and Accountex will share dates and venue at IFEMA. Tecalis also has a spot at the most important **Human Resources and Talent fair** with an emphasis on digitization and automation.  At our stand in the Accountex section, professionals in these areas will be able to see and discuss our **onboarding and digital identity solutions**, as well as **electronic signatures**, designed to **improve the employee experience** and transform it from day one. **Automate processes** such as clocking in, access, and proctoring with regulatory compliance. Discover all the use cases that Tecalis can contribute **across HR and finance areas**, unifying processes under a single **document management and regulatory compliance** platform **(eIDAS, PSD3,** [**DORA**](https://www.tecalis.com/blog/dora-regulation-digital-operational-resilience-eu-law-compliance)**, GDPR, etc.).** --- ## HR Expo 2025: Digital Solutions for HR and Talent Professionals **URL:** https://www.tecalis.com/blog/hr-expo-2025-talent-human-resources-management-digital-technology **Descripción:** HR Expo 2025 is the meeting point for HR and talent professionals, where new technologies are presented In an increasingly competitive and dynamic labor market, **people management has become the strategic pillar** that defines the success of any organization. Technology and new employee expectations are redefining the role of Human Resources, forcing professionals to evolve. In this context, **HR Expo** is being held **on November 5 and 6 at IFEMA, Madrid**, as the benchmark event for the sector. The **HR department and talent management area** is no longer a mere administrative manager; **it is the architect of corporate culture**, the driver of productivity, and the **guardian of team well-being**. At Tecalis, we are attending this meeting with a proposal designed to enhance this new strategic function, and here we explore the keys that will set the agenda for HR Expo 2025. ## **HR Expo: The Epicenter of Innovation in Human Resources and Talent** [**HR Expo**](https://www.tecalis.com/es/eventos/hr-expo) is the **essential meeting point for professionals** seeking to lead the transformation in people management. The event addresses the **most pressing challenges** in the sector: from **attracting talent in a hybrid environment** to **implementing technologies** that improve the employee experience. This leading event for **human resources, talent**, **and labor management professionals** showcases the latest solutions in **HR technology, personnel department back-office, recruitment tools,** [**employee onboarding**](https://www.tecalis.com/blog/onboarding-what-is-employees-clients-companies-incorporation-induction-process)**, training, and corporate wellness**. At **HR Expo Spain**, companies and experts share trends in digitization, automation, and people strategy, combining presentations, networking, and demonstrations of innovative tools for transforming the HR field. Some of the proposals we will find at Spain's most important HR event are as follows: * Demonstrations of **cutting-edge** tools and **solutions for talent attraction** and business management. Around 80 suppliers will present their products. * Talent and human resources experts have created a **training program with multiple current topics** that will take place during the fair. * This is a special opportunity to expand your network of contacts and meet face-to-face to **share ideas**. It is not just an exhibition event, but also focuses on collaboration between organizations and **networking**. **Tecalis'** proposal for this event focuses on solving one of the biggest bottlenecks in **the HR department**: **document management and hiring processes**. At our stand, we will show how our **onboarding, digital identity, and electronic signature** solutions completely transform the employee lifecycle, enabling **agile, secure, and 100% remote onboarding**, as well as full **legal validity**. We will present how our solutions facilitate the [**automation of processes**](https://www.tecalis.com/blog/process-autoamtion-types-rpa-bpm-what-is-how) such as digital certificates, access, and clocking in, improving efficiency in document management. ## **HR Tech: Technology at The Service of People** Human Resources technology is the **backbone of** modern talent **management**. The conversation at HR Expo goes beyond simple digitization to focus on **data intelligence (People Analytics)**. The goal is to use information to **make strategic decisions**: from identifying patterns that predict staff turnover to designing more equitable compensation plans. [**Artificial Intelligence**](https://www.tecalis.com/blog/ai-registration-digital-onboarding-news-regtech-kyc-finance-client-experience) will also play a **central role**, demonstrating its practical applications in **eliminating bias in selection processes**, transforming obsolete chatbots into **AI agents that resolve employee queries 24/7,** and suggesting personalized training plans based on identified needs. The real **revolution in HR Tech** is not only about making **processes** faster and more efficient, but also about making them fairer, smarter, and **more focused on the individual needs** of each person. ## **Employee Experience or The New Social Contract With The Employee** **The "employee experience" or "**employee journey" has become the **differentiating factor in attracting and**, above all, **retaining talent**. This concept encompasses **every interaction between the professional and the company**, from the first contact as a candidate to their exit interview. A good salary is no longer enough; **today's professionals are looking for an emotional salary,** such as flexible hours or a good working environment. **Tecalis already offers** some examples of emotional salary, such as **teleworking and flexible** hours, in addition to activities that directly impact employee well-being. HR Expo will analyze how to build a memorable employee journey, focusing on **three pillars**: * **Comprehensive well-being**: mental health programs, real flexible working hours, and a safe and respectful work environment. * **Development and recognition**: clear opportunities for growth, constant feedback, and a culture that celebrates achievements. * **Connection and purpose**: fostering a sense of belonging and ensuring that each employee understands how their work contributes to the company's goals. ## **Digital Onboarding: First Impressions Count** A slow, confusing, and paperwork-heavy onboarding process can destroy a new hire's enthusiasm in their first week. **Digital onboarding** is the **solution** to ensuring a professional and stimulating welcome. Tools such as **video identity verification (Video ID),** [**KYC/KYB**](https://www.tecalis.com/product/kyb-business-verification-ia-screening), and **electronic contract signing** are essential for this, **especially in full-remote offers**. Solutions such as **Tecalis Sign** allow **the entire hiring process to be completed in minutes and from any device**. This means that the new employee can sign their employment contract, accept the data protection policy (GDPR), and receive the welcome manual before their first day. This not only **optimizes the work of the HR team,** but also sends a clear message to new talent: "we are an agile, digital, and organized company that values your time." ## **Upskilling and Reskilling to Adapt to The Future of Work** The speed of technological change means that **today's skills may be obsolete tomorrow.** As a result, [**continuous training**](https://www.tecalis.com/blog/e-learning-elearning-what-is-digital-learning-business-education-platform-course) has gone from being a benefit to a strategic necessity. The debate at the event will focus on the best strategies for implementing programs for:  * **Upskilling**: training employees to improve and expand the skills they already have to be more efficient in their current positions. * **Reskilling**: providing training to acquire completely new skills so that employees can move to a different job where they can better leverage their strengths. **Leading companies create internal learning ecosystems**, using microlearning and [**proctoring**](https://www.tecalis.com/blog/proctoring-online-exams-tests-evaluations-supervision) platforms, fostering a culture where curiosity and development are part of everyday life. **Investing in internal talent** is not only more cost-effective than hiring externally, but also **increases** team **motivation and commitment**, building a resilient organization that is prepared for the future. ### **HR as a Strategic Driver of Business** HR Expo 2025 will make it clear that the Human Resources department has completed its **transition from an operational role to a purely strategic one**.  Technology is not an end in itself, but rather a means to build more humane, productive, and attractive organizations. Professionals who know **how to combine HR Tech innovation with** a deep **understanding of people's needs** will be the ones who truly drive the **sustainable growth** of their companies. ### **HR Expo and Accountex in The Same Space** The two most important trade fairs for key operational areas of all businesses **come together at IFEMA**. [**Accountex**](https://www.tecalis.com/blog/accountex-2025-professional-firms-consulting-technological-transformation-ai) brings together professionals **from the tax, accounting, and labor consulting sectors** in the same space as HR Expo. Like human resources, this sector is also **undergoing a revolution** driven by new models of digitization and artificial intelligence. **The Tecalis stand is located in the Accountex area**, and in addition to everything we will be presenting for Talent and HR, we will also be showcasing **KYC/KYB and electronic signature solutions** for professional firms and consultancies.  Committing to the **automation and security of** highly sensitive **key processes** such as registering new customers or signing contracts is no longer an option. At Tecalis, we offer **digital invoicing solutions** that comply with the new regulations and are prepared for their **mandatory implementation**. --- ## KYC in Spain: Regulation, Digital Solutions, and AML Compliance **URL:** https://www.tecalis.com/blog/kyc-spain-regulation-digital-solutions-aml-compliance **Descripción:** Complete guide to KYC in Spain, how to comply with regulations, the best solutions, and their relationship with AML regulations In today's financial and business ecosystem, trust is the most valuable currency. However, in **a digitalized environment, verifying a customer's identity**, a process known as **KYC (Know Your Customer)**, has become **a fundamental pillar** not only for trust but also **for the legal survival of companies**. **KYC in Spain** is not a simple formality; it is a complex **web of legal obligations designed to prevent money laundering (AML)** and terrorist financing. The Spanish market, **regulated by strict European and national regulations**, presents unique challenges. **Companies must implement robust identification processes that comply with Spanish KYC regulations,** without sacrificing the user experience. **Digitization has forced an evolution** of traditional onboarding, **where biometrics, artificial intelligence, and electronic signatures almost entirely eliminate errors** and boost trust and security with elements that humans are unable to detect. This article takes an in-depth look at the **KYC and AML** landscape **in Spain**. It explores the **specific regulations** that define these obligations, **the characteristics** that the **best KYC solutions in Spain** must have to **ensure compliance**, and how these processes are integrated into secure digital onboarding. ## **KYC in Spain: What it is And How it Has Been Regulated** **KYC in Spain is the set of processes and procedures** that entities, especially those required by law, must carry out **to verify the identity of their customers**. These processes go beyond simply knowing a name and ID number. They involve **understanding the nature of the customer's activity, assessing their risk**, and, crucially, identifying the beneficial owner or ultimate beneficiary behind any corporate structure. **The primary objective of** [**KYC**](https://www.tecalis.com/blog/kyc-know-your-customer) **is prevention**. By unequivocally identifying users, **organizations create a fundamental barrier to entry against malicious actors** seeking to use the financial system for illicit activities, primarily money laundering and terrorist financing. **In Spain, this process is mandatory for** a wide range of sectors, known as "**obligated entities**," according to Law 10/2010. ### **KYC Regulations in The Spanish Market** The **KYC** regulatory framework **in Spain** is a multi-layered **system** that **harmonizes European directives with national legislation**. #### **1\. The European Framework: The AML Directives** As a member state, **Spanish regulation stems from European Union directives**. **The** EU's anti-money laundering **directives** have evolved to **keep pace with new scenarios** and types of crime, imposing sanctions to deter future crimes and ultimately **harmonizing the laws** of member states to avoid discrepancies in criteria when judging a crime within the union. [**Sixth AML Directive**](https://www.tecalis.com/blog/6amld-6-amld-aml-sixth-eu-regulation-money-laundering-prevention) **(6AMLD):** this is the **anti-money laundering legislation currently in force**. Although this evolution is more **focused on harmonizing** money laundering **crimes** in the EU, it reinforces the criminal liability of legal entities (companies) for failures in supervision, which **indirectly puts pressure on them to have more robust KYC systems** that do not allow errors when recognizing end users and beneficiaries of money. #### **2\. Spanish Legislation: Law 10/2010 and SEPBLAC** At the national level, the cornerstone of all **KYC regulations in Spain** is **Law 10/2010, of April 28, on the prevention of money laundering and terrorist financing**. This law **transposes European directives into Spanish law** and establishes specific obligations. Its key points include: * **Identification of regulated entities:** it defines an **exhaustive list of entities that must apply KYC/AML measures**. This group includes, among others, credit institutions (banks), insurance companies, fund managers, real estate developers, tax advisors, lawyers (in certain transactions) and, following the latest updates, virtual asset service providers. * **Due Diligence Obligations:** the law requires these entities not only to identify the customer through a KYC process, but also **to apply due diligence measures**. The Due Diligence process is based on a **risk-based approach (RBA)**, which requires the entity to **classify customers (low, medium, or high risk)** and apply proportionate measures.  While **measures are somewhat simplified** for **low risks**, enhanced measures **for high-risk individuals**, such as PEPs (Politically Exposed Persons), involve **more thorough scrutiny** to verify the origin of their funds and movements. #### **3\. The Regulator: SEPBLAC** The **Executive Service of the Commission for the Prevention of Money Laundering and Monetary Investments (SEPBLAC)** is Spain's supervisor and **Financial Intelligence Unit (FIU)**. Its role is critical: * **Supervision and inspection:** SEPBLAC actively monitors compliance with Law 10/2010 by regulated entities. * **Sanctions:** authority to impose very severe penalties for non-compliance, which can amount to millions of euros or the revocation of licenses. * **Guidelines and authorizations:** one of the most important points for digital KYC onboarding. SEPBLAC defines how a customer can be identified remotely in a way that is legally equivalent to physical identification. Through its authorizations, SEPBLAC has approved specific methods of remote identification, notably **video identification (synchronous and asynchronous)** and the use of **qualified electronic certificates** (such as the DNIe). ## **Best KYC Solutions and Systems in Spain** Given this strict regulatory landscape, companies cannot afford to use just any verification method. **The best** [**KYC solutions**](https://www.tecalis.com/guides/faq-kyc-frequently-asked-questions-video) **in Spain are not necessarily the cheapest, but those that guarantee regulatory compliance** (especially with SEPBLAC guidelines) while **providing a smooth user experience** that minimizes dropouts in the registration process. When evaluating an [**eKYC**](https://www.tecalis.com/blog/ekyc-electronic-know-your-customer) technology solution, a set of technical and functional characteristics must be analyzed. #### **Key Features of a High-Performance KYC Solution in Spain**: * **Explicit Compliance with SEPBLAC**: this is a non-negotiable feature in Spain for medium- or high-risk digital onboarding. The solution must offer authorized remote identification methods. * * **Asynchronous Video Identification**: the user records a video of themselves showing their identity document. The platform must use AI to verify the authenticity of the document and facial biometrics, although Spanish regulations require subsequent human review by a qualified agent to validate the operation. * **Synchronous Video Identification**: a real-time video call between the customer and a qualified agent, who performs the verification live. * **Document Verification Technology**: the solution must not be limited to capturing a photo of the ID card. It must analyze it. * * [**OCR (Optical Character Recognition)**](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online): automatic extraction of data from the document (name, number, expiration date) to autocomplete forms, reducing friction and human error. * **Forensic Document Authentication**: the software must be able to verify the authenticity of the document in real time, checking security measures such as holograms, microtext, ultraviolet patterns, and the consistency of the MRZ (Machine Readable Zone). * **Advanced Biometrics And Proof of Life**: to ensure that the person performing the process is who they say they are and that they are physically present, the following is required: * **Facial Comparison**: a biometric engine that compares the user's selfie with the photograph on the identity document, giving a percentage match. * **Life Detection**: essential for preventing identity theft attacks using photos, videos, or masks. * **Connectivity With Sanctions Lists**: KYC is the step prior to AML. The solution must automatically integrate with global databases to screen the customer against lists of: * * PEPs (Politically Exposed Persons). * International sanctions lists (OFAC, EU, UN, etc.). * Adverse media: search for negative news related to financial crimes. * **Flexibility and APIs**: the best KYC platform acts as an "orchestrator." It must allow, through a robust API, the design of customized verification flows that adapt to the customer's risk level, combining different technologies in a single flow. * **eIDAS compliance**: the solution must be compatible with the trust services defined by the regulation, especially if the process culminates in an electronic signature. ### **What To Consider When Hiring a Know Your Customer Provider** **A QTSP (Qualified Trust Service Provider) is an entity audited** and certified **by a supervisory body** (in Spain, the Ministry of Economic Affairs and Digital Transformation) that appears on the EU's "Trusted List." They are **authorized to issue qualified certificates and provide other trust services** (time stamps, electronic seals) **with maximum legal validity** throughout the EU. Often, **the KYC process and** [**KYC forms**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data) **are intrinsically linked to contracting via electronic signature**. To manage signatures, especially those with the highest legal status (Advanced and Qualified), companies turn to QTSPs. When selecting a QTSP, the following questions should be asked: 1. **Certification and Audit**: Are you on the EU Trust List? This is non-negotiable for qualified services. 2. **Types of Signatures Offered**: Does it provide all three eIDAS levels (Simple, Advanced, and Qualified)? Flexibility is key. 3. **Identification Methods for Issuance**: How does it issue qualified certificates? Does it support video identification so that the customer does not have to travel? 4. **Integration (API and UX)**: How easy is it to integrate your signature solution into the existing onboarding flow? Is the signing experience seamless? 5. **Evidence** (Audit Trail): Does the signed document include a complete, robust, and legally sound audit trail that collects biometric evidence and qualified [**time stamps**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature)? ## **KYC and AML in Spain: How To Comply** **Compliance with** [**KYC (Know Your Client)**](https://www.tecalis.com/blog/know-your-client-kyc) **and AML regulations in Spain** is not a one-off event; **it is a continuous life cycle**. KYC is the gateway and AML is the ongoing process. Effective compliance is structured based on the aforementioned RBA. **Regulated entities must design an internal AML policy that details how they will manage this risk.** #### The AML/KYC compliance process step by step: 1. **Customer Admission Policy**: define which customers are accepted and what level of risk is assigned to them. This involves an initial risk "scoring" based on variables such as country of residence, type of product contracted, company structure, or profession. 2. **Identification and Verification** (KYC in Onboarding): data is collected from the document using the approved method and the beneficial owner is identified. For corporate clients, the individuals who own more than 25% of the property (or the principal administrator) must be identified. 3. **Application of Due Diligence Measures**: both normal due diligence for most customers and enhanced due diligence (EDD) if the scoring detects a high risk. This EDD involves more in-depth investigation. 4. **Continuous Monitoring of The Relationship**: as mentioned above, AML does not end with onboarding. The obligated entity must continuously monitor the customer's operations. Customers may change categories or scores. Therefore, the software must continuously reevaluate the customer base to detect changes and treat them appropriately according to their new status. 5. **Record Keeping and Reporting: documents must be kept for a minimum of 10 years after the end of the business relationship. A special examination must also be carried out for any suspicious transactions and reported to SEPBLAC.** ## **Digital KYC/AML Onboarding in Spain and Electronic Signatures: Contracting** Digital KYC onboarding converges at the moment of truth: contracting. **The identification process** is not an end in itself, but rather **the means to establish a business relationship**, which **is** almost always **formalized through a contract**. This is where the synergy between KYC and eIDAS regulations becomes crucial. ### **The Integrated Digital Contracting Flow** **A high-quality digital onboarding process** in Spain **combines identification and signature into a single**, **seamless experience**, minimizing friction and maximizing legal certainty: 1. **Start of the Process**: the potential customer begins the registration process on the website or app. 2. **Data Capture**: The user fills out the form, ideally auto-completed with OCR. 3. **KYC Identification and Verification**: the company activates the identification method. 4. **AML Verification**: Simultaneously, the KYC solution API checks PEP and sanctions lists. 5. **Evidence Generation**: the KYC system generates a package of evidence. 6. **Contract Signing**: Immediately after successful verification, the contract is presented to the customer. 7. [**Type of Electronic Signature**](https://www.tecalis.com/es/blog/firma-electronica-espana-conseguir-solucion-regulacion-empresas): * **Advanced Electronic Signature**: the evidence generated in the KYC step can be used to link the signer to the contract signature. This is the most common method for medium risk. * **Qualified Electronic Signature**: if the KYC process is carried out using a qualified certificate, the contract signature will have the QES level. Legally, a QES has the functional equivalence of a handwritten signature and enjoys a presumption of authorship, reversing the burden of proof in litigation. It is the preferred option for high-value or high-legal-risk products (mortgages, life insurance). **This integrated flow**, where robust KYC identification serves as the basis for an advanced or qualified electronic signature, is the **gold standard for digital KYC onboarding in Spain**. **It allows companies to comply with SEPBLAC requirements while closing contracts** with the maximum legal guarantee offered by the [**eIDAS**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet) regulation**.** **The best KYC solutions in Spain** are those that understand the duality of the challenge: **they must be tools for regulatory compliance** with SEPBLAC and AML **and be business enablers**, **providing fast and frictionless** [**KYC**](https://www.tecalis.com/blog/challenges-kyc-2023-2024-know-your-customer-know-your-customer-companies-fintech-aml-electronic-signatures). Native integration with eIDAS trust services and electronic signature platforms is a necessity for closing the customer acquisition cycle securely and efficiently in the digital age. --- ## Electronic Signatures In Spain: How To Find a Solution, Regulations, and Companies **URL:** https://www.tecalis.com/blog/electronic-signature-spain-find-solution-regulation-companies **Descripción:** Everything you need to know about electronic signatures in Spain. How to find a solution, the regulations they are subject to, and their business uses. In the last decade, **digital transformation** has gone from being an option to becoming a **business imperative**. In this new era, **electronic signatures in Spain** have become **the cornerstone of digital contracting**. They are no longer just a convenient tool; they are a **robust legal mechanism that allows companies to formalize agreements, close contracts, and operate with full legal validity** without the need for paper or physical presence. However, **the digital signature ecosystem in Spain is complex**. It is **regulated by** a European framework, the **eIDAS Regulation**, which **precisely defines what is and what is not a valid signature**. **For companies,** especially in sectors such as banking, insurance, and telecommunications, **choosing the wrong solution** not only means a poor user experience but also a **serious legal risk**. This article is a **comprehensive guide to eIDAS electronic signatures** in the Spanish market. We will take an in-depth look at the **applicable regulations, the types of signatures,** the characteristics that the **best software solutions** should have, and **how electronic signatures are integrated with KYC (Know Your Customer) processes** to enable instant and secure digital contracting and customer onboarding. ## **Electronic Signatures in Spain: What They Are and How To Obtain Them** An **electronic signature in Spain is a set of data in electronic format linked to other** electronic **data** or logically associated with it**, which a user uses to sign**. This definition, taken directly from Regulation (EU) No. 910/2014 (known as **eIDAS**), is **deliberately broad**. It is essential **to differentiate between the legal concept and the technical concept**: 1. **Electronic signature (legal):** the umbrella term defined by eIDAS. It refers to the legal act of consenting to or approving the content of a digital document. Its validity depends on the level of security and identification of the signer. 2. [**Digital signature**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents) **(technical):** although often used as a synonym, it refers to the underlying cryptographic technology. The digital signature is **the tool** used to create the most secure types of electronic signatures (Advanced and Qualified). Therefore, every qualified signature is a digital signature, but not every electronic signature uses digital signature cryptography. ### **How Is An Electronic Signature Obtained In Spain and How Is It Used?** There are two main perspectives: * **As a user (individual):** citizens in Spain can obtain their own qualified digital certificates. The most common are the **electronic ID card and the FNMT** (National Mint and Stamp Factory) **certificate**. These certificates allow individuals to sign legally valid documents, although **they will need electronic signature software to upload this certificate and sign with it.** They can also sign with [**an advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) from a company such as Tecalis without the need for a digital certificate, with the same legal validity. * **As a company (legal entity):** companies do not have a single signature. Instead, [**electronic signature solutions**](https://www.tecalis.com/blog/electronic-signature) **are implemented** so that their customers, employees, and suppliers can sign documents. This is done by integrating a platform from a trusted service provider. The company not only seeks to sign, but also to manage the entire flow of sending, tracking, storing, and validating thousands of signed documents. ### **Types Of eIDAS Electronic Signatures** **The eIDAS Regulation** is the cornerstone of **electronic signatures in Spain** and throughout the EU. Its aim is **to create a single digital market**, ensuring that an electronic signature that is valid in one member state is valid in all others. To this end, it establishes **three levels of signature**, each with different technical requirements and legal effects. #### **1\. Simple electronic signature (SES)** This is the **most basic** level of signature. [**eIDAS**](https://www.tecalis.com/es/blog/eidas-electronic-identification-trust-services) defines it by exclusion: any electronic signature that does not meet the requirements for Advanced or Qualified signatures. * **How it works:** it involves a simple digital action that denotes acceptance. * **Examples:** clicking on an "I accept" button on a website, checking a box that says "I have read and accept the terms," or even the signature line at the bottom of an email. * **Legal validity:** the weakest level. eIDAS establishes the principle of "non-discrimination," which means that a signature will not be denied legal effect because it is electronic. However, in the event of a dispute, the burden of proof lies with the person presenting the signed document. Proving who, when, and how that box was checked is extremely difficult. * **Use:** only for zero-risk operations, such as accepting cookies, confirming that you have read an internal policy, or signing up for a newsletter. #### **2\. Advanced electronic signature (AES)** This is the **gold standard** for most **commercial** and business **transactions**. An **advanced electronic signature** must meet **four cumulative requirements** set out in Article 26 of eIDAS: 1. Be uniquely **linked to the signatory**. 2. **It must allow** the signer **to be identified**. 3. It must have been **created using** signature **creation data** that the signatory can use, with a high level of confidence, **under their** sole **control**. 4. Be **linked to the** signed **data** in such a way that **any subsequent modification** of the data **is detectable**. Electronic signature software in Spain, such as Tecalis Sign, allows signing with the advanced biometric electronic signature standard without the need for prior digital certificates. * **How it works:** this is where the digital signature comes in. Digital certificates created on the spot with QTSP-eIDAS time stamping and cryptography are used to link the signer's identity to the document and the time of signing. * **The key:** identification. This is achieved by collecting evidence during the process, such as an OTP code sent to a verified mobile phone, a biometric trace of the handwritten signature on a tablet, or a prior KYC and electronic signature process. * **Legal validity:** extremely robust. The digitally signed document is unforgeable and is accompanied by a supporting document that collects all the evidence (IP, email, phone, biometrics) that identifies the signer. In a trial, the burden of proof is partially reversed. ### **Business and Commercial Use Of Electronic Signatures in Spain** The adoption of the **eIDAS electronic signature** in the Spanish business world **is widespread** and **generates** massive **operational efficiencies** in any business that implements it. * **Financial sector:** used for opening accounts (combined with KYC), taking out loans, and signing SEPA mandates. AML regulations require robust identification, making the **AES** \+ KYC combination indispensable. * **Insurance sector:** issuing policies, signing accident reports, and managing GDPR consents. * **Human resources:** employment contracts, annexes, signing of payrolls, teleworking agreements, and Occupational Risk Prevention documents. * **Real estate sector:** deposit agreements, rental agreements, sales mandates and, increasingly, the signing of notarial documentation (with QES). * **Utilities:** contracting new supplies (electricity, gas, fiber), change of ownership and portability, processes that require high security to prevent fraud. * **Legal and purchasing:** signing of confidentiality agreements (NDAs), contracts with suppliers, and framework service agreements. ## **Best Electronic Signature Solutions And Tools In Spain** **When looking** for **the best** electronic signature **solutions**, we should not immediately look at a brand, but rather a **set of technical and compliance features**. An enterprise-level digital signature platform in Spain **must be a robust technology partner.** The **key features** that a high-performance signature solution must have are as follows: 1. **Regulatory compliance**: the solution must be 100% aligned with eIDAS. Ideally, the provider should be a [**Qualified Trust Service Provider (QTSP)**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas). Being a QTSP is an audited certification that allows the platform to issue qualified certificates and, therefore, offer QES. 2. **Signature type flexibility**: A good solution does not impose a single signature type. It should act as an "orchestrator" that allows the company to select the appropriate signature level for the risk of each document. Sending an employment contract does not require the same level of security as approving a vacation. 3. **Robustness and scalability of the API**: enterprise solutions are not web portals where PDFs are uploaded one by one; they are engines (APIs) that integrate into the company's existing systems. The API must be powerful and well documented. 4. **Smooth mobile user experience (UX)**: The signing process must be flawless. If the customer has to download an app, register, or the process is slow, the contract abandonment rate skyrockets. It must be 100% web-responsive (mobile-first), fast, and guided, allowing signing in seconds. 5. **Generation of probative evidence (Audit Trail)**: the signature is only as strong as the evidence that supports it. The platform must generate a comprehensive probative document for each signature, which immutably collects all the evidence: * Qualified [](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) [**Time Stamps**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) that guarantee the "when." * Signatory data (email, IP, verified phone number). * Biometric evidence (if advanced biometric signature is used). * Document integrity verification (Hash). 6. **Native Integration with KYC/Identification Processes**: this is the feature that sets premium solutions apart. The best platforms understand that contracting is first identifying and then signing. You must be able to initiate a robust identification process in the same flow and use the evidence from that KYC to legally shield the AdES or to issue a QES remotely. ### **What To Consider When Hiring a QTSP** **Choosing a provider is a strategic decision**. If the platform you use is not robust, your company may be signing null contracts. **When evaluating a QTSP (Qualified Trust Service Provider)**, you should ask yourself the following questions: 1. **Are they on the EU Trust List?** To be a QTSP, they must be on the EU's "Trust List," otherwise they cannot issue QES. 2. **What qualified services does it offer?** A QTSP may be qualified for different services. Does it only offer QES? Does it also offer Qualified Time Stamps, Qualified Electronic Seals, or Qualified Certified Electronic Delivery Services (the evolution of certified mail)? A comprehensive portfolio indicates a more robust provider. 3. **How do you issue qualified certificates?** For a customer to sign with QES, they need a Qualified Certificate. Traditionally, this required going to an office, but now it is possible to issue qualified certificates remotely using video identification, allowing 100% digital onboarding with the highest level of signature. 4. **Where is the data stored?** For GDPR compliance and data sensitivity, it is vital that the servers are located in the European Union. 5. **What is the technical support model?** Is it 24/7 support? Do they speak your language? Do you have direct access to engineers or is it a generic ticket system? **The combination of KYC and electronic signatures is the driving force** behind instant digital contracting. The traditional method: * **A company** (e.g., a bank) wants **to register** a customer online. * **Law 10/2010 on AML requires** that customer to be reliably identified using KYC. * **eIDAS requires a valid signature** on the contract. **This method breaks the flow**: the customer fills out an **online form**, then **goes to an office to identify themselves** with their ID (KYC) and **signs the contract** (handwritten signature). In contrast, **the modern flow**, thanks to technology, **combines these steps into a 3-minute process**: 1. **KYC identification:** the customer starts the process from their mobile phone. The platform activates a **video identification**. They show their ID card to the camera and record their face. An AI system and a qualified agent (SEPBLAC requirement in Spain) verify the document and biometrics in real time. 2. **Evidence generation:** the system generates a KYC evidence package (video, validated ID card, biometrics). 3. **Signature:** Immediately after KYC approval, the platform generates the contract and displays it to the customer. 4. **Binding:** the customer signs. This signature is an AdES where the evidence collected in the KYC is used to meet eIDAS requirements. The result is **instant hiring**: a legally verified customer and a signed contract with high evidentiary strength, **all in a single digital flow**. # **Digital KYC/AML Onboarding In Spain and Electronic Signatures: Contracting** **Digital onboarding in Spain** is a **dual regulatory compliance** battleground: **SEPBLAC** and **eIDAS**. 1. **SEPBLAC (AML/KYC):** for "obligated entities" (banks, insurance companies, FinTechs, crypto, etc.), Law 10/2010 on the Prevention of Money Laundering is the main regulation. This law requires the application of [**Due Diligence**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) (KYC) measures. SEPBLAC, as the supervisor, authorizes remote identification procedures. The standard authorized method is video identification. Therefore, any regulated digital onboarding in Spain must use a KYC video system. 2. **eIDAS (Signature/Contracting):** once the customer has been identified in compliance with SEPBLAC, the contract must be signed in compliance with eIDAS. **A first-rate digital onboarding solution must solve both challenges simultaneously**. The contracting flow must be designed so that the output of one process is the input of the next. **The dual compliance flow:** 1. **Start:** the customer accesses the registration process. 2. **Phase 1: AML/SEPBLAC compliance:** Video Identification is performed and AML checks are carried out (PEP lists, Sanctions, Beneficial Ownership). 3. **Phase 2: eIDAS compliance:** the customer is verified by KYC, presented with the contract, and signs with an Advanced Electronic Signature, biometrically linked to the video session, or with a Qualified Electronic Signature. The **QES** represents the maximum synergy here: the eIDAS regulation explicitly allows the use of video identification as a method for **issuing a Qualified Certificate remotely.** **This allows for the most robust flow possible**: Video KYC > QES certificate issuance > Contract signing with QES. This instant contracting has the same legal validity as if the customer had gone to a notary. **The combination of** [**KYC in Spain**](https://www.tecalis.com/blog/kyc-spain-regulation-digital-solutions-aml-compliance) **and electronic signatures** is not a trend; **it is the** gold **standard** of **digital contracting**. It allows companies **to comply with strict Spanish regulations while offering** their customers what they demand: **highly secure, instant, and 100% mobile experiences.** --- ## eCMR: What is digital CMR and changes to the consignment note **URL:** https://www.tecalis.com/blog/ecmr-e-cmr-digital-bill-of-lading-electronic-consigment-note **Descripción:** The eCMR, electronic consignment note, or digital CMR is the new mandatory standard for transport and logistics documents. The **eCMR**, or digital/electronic consignment note, represents the **natural evolution of the traditional CMR on paper or in a flat file that is not electronically sealed**. Thanks to European regulations such as the **eFTI Regulation**, the eCMR (or e-CMR) is not only legal, but will also become **mandatory**.  With the entry into force of the regulation and pressure from national laws such as the **Sustainable Mobility Law** in Spain, transport and logistics companies are facing an inevitable paradigm shift: the definitive abandonment of paper. It is important to understand exactly what a **digital or electronic consignment note** is, why it will soon be mandatory, what technical **requirements** such as the eIDAS signature you must **comply with to avoid penalties**, and how this technology is redefining competitiveness in the logistics and transport sector. ## **What does eCMR mean?** The **eCMR** is the **official digital version of the traditional consignment note** regulated by the United Nations CMR Convention (Convention on the Contract for the International Carriage of Goods by Road). The **CMR** ("Convention relative au contrat de transport international de marchandises par route") is a transport document that **formalizes the contract between the shipper, carrier, and consignee for international road transport**. While the paper CMR has been the standard for documenting the transport contract, **responsibility for the goods, and delivery instructions**, the **digital CMR** transfers all this **legal validity to a secure electronic environment**. **It is not simply a PDF** sent by email or a photo of a piece of paper; it is a **structured data exchange system** that guarantees the authenticity and integrity of the information. From a legal standpoint, the **e-CMR** is covered by the **Additional Protocol to the CMR Convention on the electronic consignment note**, approved in Geneva in 2008 and ratified by countries such as Spain in 2011. This means that, for legal, administrative, and judicial purposes, the **electronic consignment note** has exactly the same probative value as its paper counterpart, with the added advantage of digital forensic traceability. ### **Differences between "Waybill" and "Control Document"** It is vital to distinguish between these terms, which are often confused in the sector: 1. **CMR / eCMR:** Refers specifically to international transport, although its use has also been standardized for complex domestic operations. It regulates the contractual relationship between the shipper, carrier, and consignee. 2. **National Bill of Lading / Control Document:** In Spain, regulations (Law 15/2009 and Order FOM/2861/2012) require an administrative control document for public freight transport. The **digital consignment note** fulfills this control document function, provided that it includes the mandatory data (shipper, carrier, goods, registration number, etc.). The **eCMR unifies these worlds**, allowing both national and international transit to be managed under the same interoperable technological standard. The **eCMR protocol**, established as an "Additional Protocol" to the CMR Convention, **regulates how electronic consignment notes should work: how these digital documents are generated, authenticated, stored, signed, and displayed** in [**transport and logistics**](https://www.tecalis.com/industries/mobility-transportation-travel-carsharing) environments.  ### **Features of the digital and electronic consignment note** For a system to be truly called **digital CMR (eCMR) and not just a simple digitized file**, it must comply with a series of advanced **technical characteristics** that guarantee the legal security of the supply chain: * **Immutable data integrity:** Once the document has been electronically signed by one of the parties, any subsequent modifications must be recorded and visible to all parties. This eliminates the risk of manipulation of the paper consignment note (additions made in pen, suspicious crossings-out, etc.). * **Real-time traceability (Track & Trace):** Unlike paper, which travels "blind" in the truck cab, the **electronic bill of lading** allows the status of the shipment (picked up, in transit, delivered) to be known in real time. It includes metadata such as GPS geolocation and accurate timestamps for each event. * **Interoperability:** Modern **eCMR** systems are not islands; they are designed to connect via API with companies' management systems (ERP, TMS, or WMS), allowing information to flow without manual human intervention. * **Universal accessibility:** Information must be accessible to the shipper, the carrier, and the final recipient, but also, and this is crucial under eFTI regulations, to the control authorities (Civil Guard, transport inspection) via digital devices. ### **Main changes eCMR vs CMR:** 1. The paper booklet is replaced by a **digital document accessible from mobile devices, computers, tablets, or TMS/ERP systems**. 2. The **signatories** (sender, carrier, recipient) can sign digitally at the time of collection, delivery, or transfer. 3. There is a [**trusted third party**](https://www.tecalis.com/blog/trust-service-provider-electronic-services-trusted-third-party-tsp-qualified-ttp-parties-digital-mediator-list) that acts as an authority to ensure that the information has not been altered: each transaction is recorded (date, time, place) and stored securely and requires a [**timestamp**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature) **from an electronic signature**. 4. The document is **accessible in real time** to all parties (shipper, carrier, consignee), which improves the visibility of the logistics chain. 5. It is **legally valid for** roadside **inspections**, as authorities can verify the document from a mobile device. ## **Why is eCMR mandatory?** Although the use of **digital CMR** has been legally valid in European countries such as Spain for more than a decade, its adoption was voluntary. However, the scenario has changed dramatically with the approval of new legislative frameworks that push the sector towards "zero paper" and digital trust without errors or attempts at fraud. ### **1\. European eFTI Regulation (EU 2020/1056)** The **eFTI** (Electronic Freight Transport Information) **Regulation** is the most important regulation in the recent history of European logistics digitization. Its objective is to create a legal framework for the exchange of regulatory information on freight transport in electronic format. * **Entry into force:** Although the regulation was approved in 2020, its effective implementation began in **August 2024**. * **The obligation of the authorities:** From key dates in 2025 and 2026 (depending on the technical adaptation of each member state), all competent authorities in the EU (police, customs, transport inspection) will be **obliged to accept** the information that transport companies submit in digital format. They will no longer be able to require paper if the carrier submits a valid **e-CMR** through a certified eFTI platform. * **The future mandate for operators:** Although it initially obliges the administration to "accept," the European Commission is expected to make it mandatory for companies to "issue" exclusively in digital format by 2029, thus closing the circle. ### **2\. Sustainable Mobility Law in Spain** At the national level, Spain has taken the lead. The Draft **Sustainable Mobility Law** has set an aggressive roadmap for digitization. This law seeks to impose mandatory **digital waybills** to reduce bureaucracy and improve transport control. According to the drafts and deadlines set by the Ministry of Transport and Sustainable Mobility: * A transitional period is established after the final approval of the law. * The target date set by the sector for **widespread mandatory implementation** (especially for large companies and public contracts) is **2026**. Therefore, although you can continue to use paper today, the window of opportunity to adapt is closing. Companies that do not implement **digital CMR** systems before 2026 will find themselves out of the game in public tenders and contracts with large shippers that require digital traceability by contract. ## **Electronic consignment note requirements: eIDAS advanced signature** It is not enough to have an app on your mobile phone. **For an eCMR to be fully valid** in court in the event of a claim for damage, loss, or delay of goods**, the signature collected must comply with robust cryptographic standards**. This is where Regulation (EU) No. 910/2014, known as [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services), comes into play. **Many carriers make the mistake of believing that "scribbling with your finger"** on a tablet (simple digitized signature) is sufficient. Legally, this is the weakest form of signature and is **easily repudiable in a lawsuit or claim/dispute process**. ### **Types of signatures and their validity in the Digital CMR** To ensure legal certainty, the **electronic consignment note** should preferably use an **Advanced** or Qualified **Electronic Signature**. #### **1\. Simple Electronic Signature** This is data in electronic format attached to other electronic data. Example: an "I accept" checkbox or a simple stroke on a touchscreen without biometric capture. * **Risk:** It has very low probative value. It is easy to claim that "I did not sign that." It is not recommended for a **CMR** where high-value goods are at stake. #### **2\. Advanced Electronic Signature (The recommended standard)** Article 26 of the eIDAS Regulation establishes that an [**advanced signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) must meet four requirements: 1. **Be uniquely linked to the signatory:** It must be attributable to a specific person (the driver or the recipient). 2. **It must allow the signer to be identified: It** not only links, but also identifies. 3. **Have been created under the sole control of the signatory:** The signatory must have control over the signature creation data at the time of signing (e.g., via an OTP code sent to their mobile phone or biometrics). 4. **It must guarantee the integrity of the document:** Any subsequent changes to the data in the **digital waybill** (such as changing the number of pallets delivered after signing) must be detectable and invalidate the signature. The **digital waybill that implements advanced signature technology** (capturing, for example, the pressure, speed, and acceleration of the biometric stroke on the tablet, or through digital certificates) offers superior legal protection. ### **Integrity and time stamping** In addition to the signature, a professional **eCMR** platform must apply qualified timestamping. This certifies to third parties (judges, insurance companies, administration) that the document existed at a specific time and that the delivery was made, for example, on "November 20 at 10:45:03," which is crucial for calculating downtime or compensation for delays, **as confirmed by the qualified trust service provider.** ## **How to adapt to comply with the digital consignment note** The transition from paper to **digital CMR** is not just a change of medium, it is an operational change. **To comply with upcoming regulations** and take advantage of competitive benefits, **transport and logistics companies must follow a** clear technological roadmap, which is now simple and affordable thanks to [**electronic signature**](https://www.tecalis.com/blog/electronic-signature) SaaS solutions. ### **1\. Choosing the eCMR Platform (eIDAS Certified Providers)** Don't develop an in-house solution unless you have a large IT team. The ideal solution is to contract **electronic consignment note** platforms that are already prepared for the **eFTI regulation with electronic signatures**. Look for providers that offer: * QR code generation for roadside inspection. * Document storage for the legal period (minimum 5 or 6 years according to tax/commercial regulations). * Multi-language support (essential for international transport under the CMR agreement). ### **2\. Integration with TMS and ERP** The **eCMR** should not be an extra administrative task for the driver. The key is integration. When the traffic department generates a load order in its TMS/ERO/CRM (Transport Management System), the **draft digital CMR** should be created automatically and sent to the driver's terminal or mobile device. * **Features to check in your advanced electronic signature platform:** Rest API, Webhooks, SAP/Navision integration. ### **3\. Training for staff and drivers** The human factor is the biggest barrier. Drivers need to be trained in the use of the mobile signature app. However, the best **eCMR digital consignment note** apps **and electronic signature platforms** are designed with a very simple UX (user experience): "Arrive, show QR, sign on screen, and leave." ## **Advantages of using eCMR and electronic signatures** Adopting eCMR with electronic signatures is not just about complying with a regulatory obligation: it brings **multiple strategic, operational, and economic benefits**: 1. **Cost savings** * **Lower expenditure** on paper, printing, and physical storage. * **Reduction of errors** and reprocessing, thanks to automation. * **Less administrative time** spent generating, sending, filing, and consulting waybills. 3. **Greater efficiency and agility** * **Sign at the actual time** of pickup or delivery, using a mobile device, without waiting for the physical document. * **Faster invoicing**: upon completion of delivery, you can issue the invoice immediately based on the eCMR. * Real-time **visibility**: all parties involved can access the digital document and view its status. 5. **Traceability and control** * **Record** of who signed, when, and where, with metadata that allows for auditing. * **Incident** reporting **directly on the bill of lading**: damage, delays, discrepancies. * **Facilitation of inspections**: authorities can verify the bill of lading from their device without the need for paper documents. 7. **Legal certainty** * Advanced signature (eIDAS) **guarantees legal validity, integrity, and** non-repudiation. * Storage on certified platforms allows for **secure and auditable record keeping**. * **Lower risk of** document **loss or falsification** compared to physical paper. 9. **Competitiveness and modernization** * Companies that adopt eCMR and electronic signatures position themselves as **digital leaders in logistics and transportation**. * **Improved customer experience**: faster processes, fewer errors, greater transparency. * **Preparation** for the future: with increasingly digital regulations, being ahead of the curve can give you a strategic advantage. 11. **Regulatory compliance (mandatory and penalties)** * By using a certified eFTI platform, **compliance with European regulations** is guaranteed. * **Avoid penalties** for not having the correct electronic documentation when required by the authorities. --- ## 8 trends for 2026 that will transform your sales processes **URL:** https://www.tecalis.com/blog/trends-2026-digital-sales-processes **Descripción:** Discover the 8 trends for 2026: digital identity, Verifactu, TrustTech, and automation for secure and compliant sales. The **business environment** is evolving rapidly as a result of European **regulatory pressure**, the mandatory adoption of **new tax systems such as Verifactu, and the consolidation of TrustTech** technologies. In this context, digital identity is positioned as the **core of transactions, directly impacting customer onboarding, electronic signature, payment, and regulatory compliance processes**.  Anticipating trends in **digital identity**, **intelligent automation, and automated tax compliance** is key to **maintaining competitiveness and minimizing legal and operational risks.** This article identifies and analyzes the eight strategic drivers that will redefine **sales processes in 2026** from a **technical, regulatory, and business perspective.** ## **Unified Digital Identity With EUDI Wallet and eIDAS 2.0** **The rollout of the [EUDI Wallet](https://www.tecalis.com/blog/eudi-digital-identity-eu-wallet-eidas2-eidas-2-application) (European Digital Identity Wallet) and the new eIDAS 2.0 framework are redefining how businesses verify identities and manage digital business relationships.** ### **What changes for companies and users in digital business relationships?** * **Unified and reusable identity: fragmented and **repetitive processes are eliminated**. Users share credentials that are verified once and reuse them across multiple services, always under their control.** * ****Increased security and drastic reduction in fraud**: by relying on **credentials issued by qualified authorities or entities**, the risk of impersonation, false documents, or synthetic identities is minimized.** * ****Integrated onboarding and electronic signature**: customers identify themselves and **sign contracts in a single flow**, without uploading documents or repeating steps. Advanced or qualified electronic signatures, recognized by **[eIDAS 2.0](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet)**, provide **immediate legal validity and traceability for evidence purposes.**** All of this translates into **less friction in the sales funnel, higher conversion rates, fewer abandoned** digital transactions, and more **consistent, secure, and reliable user experiences.** A real-life example of this trend is **Pensumo**, a savings and **loyalty platform** that has opted for **digital identity** and user **verification to scale its business model securely.** With the support of **Tecalis**, it has implemented **robust digital identification processes that comply with European regulations and improve the end-user experience.**  This is undoubtedly a [**success story**](https://www.tecalis.com/case-studies/ibercaja-pensumo-onboarding-kyc-sign-pension-cashback-insurance) [](https://www.tecalis.com/case-studies/ibercaja-pensumo-onboarding-kyc-sign-pension-cashback-insurance)that has enabled the company to reduce **fraud, streamline onboarding, and build greater trust among** its users, anticipating the requirements that will become standard in 2026. ## **Intelligent Automation of Onboarding and Sales Processes** **This year, automation is not limited to digitizing forms. Companies are moving from manual, disconnected workflows to intelligent, orchestrated, and automated processes from start to finish.** **The key in 2026 lies in designing comprehensive, autonomous commercial flows that integrate identification, verification, signature, payment, and activation into a single process.** **[**Tecalis' Customer Hub**](https://www.tecalis.com/products/customer-hub-sales) exemplifies this trend by integrating identity, scoring, advanced electronic signatures, instant payments, and service activation in accordance with **eIDAS 2.0, PSD2, Verifactu, and MiCA**. It enables companies to:** * Verify the identity of individuals and companies (KYC/KYB).  * Apply intelligent business rules (scoring, risk validation, restrictive lists). * Capture instant payments with enhanced authentication using SCA: card, Bizum, SEPA Instant. * Sign contracts with a qualified [**electronic signature**](https://www.tecalis.com/products/electronic-signature) (QES) or advanced electronic signature (AES).  * Activate services in real time: mobile lines, bank accounts, insurance policies, etc. This **zero-friction** approach not only improves the customer experience, but also increases conversion by 30-50%, according to internal data from more than **200 European customers**. At events such as **Tecalis Industry Morning**, it has been confirmed that more than **80% of B2C sales in regulated sectors will be fully digital and autonomous this year.** In fact, the leading companies will be those capable of: * Orchestrate complex digital flows in real time.  * Adapt processes to different sectors and channels. * Dynamically incorporate business rules, scoring, and AI. Companies that fail to adopt this vision will face **higher operating costs, higher churn rates, and increasing regulatory risks.** Intelligent automation will be a differentiating factor against competitors who continue to operate with fragmented systems. ## **Smart Kiosks and The Expansion of In-Person Self-Service** **Despite the rise of digital commerce, in-person sales are being reinvented with [smart self-service kiosks](https://www.tecalis.com/products/kiosk-terminal-interactive-identity-self-service-atm-pos) that combine the physical and digital worlds. By 2026, these devices will enable users to complete a registration or purchase process in less than three minutes, integrating digital identity, instant payments, and electronic signatures into a single flow. They thus become the perfect bridge between the physical and digital worlds, especially in regulated sectors such as [banking, financial services, and Fintech](https://www.tecalis.com/blog/kiosks-auto-service-interactive-fintech-revolution-banking-2025-fintech-trends).** **The omnichannel model will allow customers to start a transaction in-store and continue it on their mobile device, or vice versa. This is supported by:** * **Reusable digital identity** (no need to re-upload documents). * **Real-time** verification with AI engines. * **Integration with CRM** and back office for full traceability. * **Immediate payments** and activation (card, Bizum, SEPA). A representative example is the [**Orange kiosk network deployed alongside Tecalis**](https://www.tecalis.com/case-studies/orange-kiosks-terminals-self-service-interactive-pos) in Spain and France. These terminals activate mobile lines or cloud services without human assistance, which has generated a **25% increase in sales and a 40% reduction in costs**, while also reinforcing the brand's innovative image. ## **Automated Tax Compliance and Verifactu's Maturity in 2026** **In Spain, the Create and Grow Law has laid the foundations for the [Verifactu system](https://www.tecalis.com/blog/verifactu-guide-how-to-invoice-aeat-verified), which will become fully operational in 2027, but whose mandatory deadlines already affect 2026. This system, managed by the Tax Agency, requires all companies to issue interoperable electronic invoices that can be verified in real time and stamped with a qualified time stamp (eIDAS).** **Invoices must include a verifiabl**e public QR code and a qualified time stamp**, in accordance with [**eIDAS 2.0**](https://www.tecalis.com/ebooks-whitepapers/eidas2-eudi-wallet-european-digital-identity). This requires companies to integrate their **ERPs, POS terminals, and invoicing systems with certified platforms**, such as those approved by the Spanish National Mint (FNMT).** ****Tax automation** is not just a legal requirement: it is a **competitive advantage**. Companies that anticipate its implementation **will avoid penalties, improve their relationships with suppliers and customers, and gain efficiency in audits and reconciliations.**** ## **AI Applied To The Business Cycle and Regulatory Compliance** **Artificial Intelligence is no longer a complement but has become the core of the business cycle. It is no longer limited to chatbots or recommendations: it is integrated into risk management, fraud prevention, and sales optimization. The most critical applications include:** * **Biometric verification with AI:** detection of deepfakes, static photos, masks, or screens. * **Real-time scoring:** creditworthiness or reputation analysis using public (commercial registers, bulletins) and private sources. * **KYC/KYB automation:** automatic extraction and validation of corporate documents (deeds, tax identification numbers, powers of attorney). * ****Anomaly detection**: identification of suspicious behavior (e.g., multiple attempts with different IP addresses).** **These capabilities not only reduce fraud, but also speed up decision-making: an SME can be verified and approved in seconds, not days.** **A key resource for further reading is **[Tecalis' ebook “The Impact of AI on Your Business](https://www.tecalis.com/ebooks-whitepapers/ai-artificial-intelligence-business-impact-areas-5-partners)**,” which analyzes real-world applications in **banking, insurance, and e-commerce.**** ## **Consolidation of The TrustTech Ecosystem in Sales Processes** The **TrustTech** concept encompasses technologies aimed at generating digital trust. **This year, it has been consolidated as a strategic pillar.** Companies no longer purchase isolated tools, but rather integrated platforms that unify:  * **Unified KYC and KYB** (verification of individuals and companies in a single flow). * **Anti-fraud based on AI and relationship graphs** (detection of fraudulent networks). * **Ethical data management** with audited and traceable consent. * **Interoperability with European systems:** EUDI Wallet, Verifactu, SII, etc. These solutions offer a unified interface with AI engines that analyze data in real time, protecting businesses across all channels: web, mobile, physical stores, and kiosks. The advantage is clear: fewer providers, fewer integrations, and more control. **[Platforms such as Tecalis](https://www.tecalis.com/product/kyb-business-verification-ia-screening/compliance-hub)** allow you to manage the entire trust cycle from a single console, with complete traceability and automatic regulatory compliance. ## **The Expansion of Verified Payments and Advanced Signing** **Both processes will become a central part of digital sales processes this year, especially in **e-commerce and remote sales.** Under PSD2 and the future [**PSD3**](https://www.tecalis.com/blog/psd3-what-is-payment-services-directive-third-fintech-banking-open-finance), merchants are evolving from simple payment gateways to integrated verification, payment, and signature flows in a single journey. In the new commercial flows, three elements must be cryptographically linked:** * A verified identity (e.g., through EUDI Wallet or advanced KYC) * A payment authenticated with SCA (card, Bizum, SEPA Instant) * ****A [qualified electronic signature](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies)** (QES, in accordance with eIDAS).** **When the customer's identity, payment, and signature are securely linked, only then can it be guaranteed that the customer is who they say they are, that they authorized the payment, and that they accepted the terms of the contract. This creates a “trinity” of digital trust that reduces fraud, improves the user experience, and provides legal certainty in the event of disputes.** **This convergence is essential in sectors where contract values are high and regulatory risk is critical, and it also improves conversion: **fewer steps, less abandonment, and transactions completed in minutes, fully traceable and auditable.**** ## **Fighting Deepfakes and Advanced Fraud in Digital Sales** **[Deepfakes](https://www.tecalis.com/blog/deepfake-what-is-deepfakes-ai-how-to-make-app) [](https://www.tecalis.com/blog/deepfake-what-is-deepfakes-ai-how-to-make-app)pose a major threat to digital sales and remote contracts. Artificial intelligence makes it possible to imitate faces and voices so accurately that it fools verification systems. This compromises the authenticity of the identification process and the legal validity of agreements. If a signature comes from an impersonated identity, the contract loses its legal validity. As a result, companies may face financial losses, penalties, and reputational damage.** **Leading companies incorporate multi-layered **anti-fraud solutions** into sales flows, accelerating conversions and customer trust:** * **Analysis of microexpressions and eye movements to confirm that the person is alive and present**—not represented by an image or video—ensuring that the person signing the contract is real and conscious. * **Detection of inconsistencies between voice and face, identifying mismatches in lip synchronization,** tone, or accent that reveal synthetic content, especially critical in video identification processes. * **Cross-validation with official documents (ID card, passport, digital certificates),** comparing live biometrics with the data on the NFC chip or the facial signature on the document, ensuring consistency between the declared identity and the actual identity. * ****Passive environment verification**, which confirms whether the interaction is occurring in front of a screen or in a real environment, without interrupting the user experience.** **These layers turn security into a competitive advantage: agile flows, fewer dropouts, and irrefutable contracts in a world where identity is the primary transactional asset.** --- ## Identity document validation: how to verify and solutions **URL:** https://www.tecalis.com/blog/identity-document-validation-how-to-verify-and-solutions **Descripción:** Everything about identity document validation with biometrics, NFC, and KYC software compliant with eIDAS 2, AML6, and GDPR. Security and trust are essential in any transaction, whether online or in person. That is why **validating an identity document** has become a key requirement for companies and public bodies. Nowadays, verifying that a person is who they say they are is no longer an option: it is a regulatory, technical, and ethical requirement. Sectors such as **banking, telecommunications, insurance, gaming, and public administrations** need to confirm the real identity of their users to comply with the law, prevent fraud, and protect their processes. This article details what this verification consists of, what technologies make it possible, what documents must be checked, which sectors are required to do so, and how solutions such as **Tecalis Identity** allow the **entire process to be automated with precision, speed, and full regulatory compliance.** ## **What does it mean to validate an identity document?** **Validating an identity document is a technical and regulated process designed to guarantee the authenticity of the document and the real identity of the person presenting it. To do this, it is first verified that the document has been legally issued by a competent authority and then analyzed to see if it has been altered, falsified, reused, or reported as stolen. It is confirmed that it is still valid and has not been revoked.** * The document is verified as belonging to its holder by c**omparing biometric information or documentary data.** * **Integrated security features such as **holograms, variable optical marks, chips, NFC, or MRZ** strips are examined to confirm that they are authentic and operational.** **This process can be carried out in **person or digitally**, depending on the onboarding model adopted.** ### **Why is it so important to verify identity validation?** Identity verification guarantees security, prevents fraud, complies with regulations, and ensures the authenticity of documents to protect transactions and build trust. Therefore, it is key to: * **Prevent fraud and comply with regulations:** Mitigate millions in losses from impersonation and ensure compliance with **[KYC](https://www.tecalis.com/blog/kyc-know-your-customer)** and AML regulations required in critical sectors. * **Reduce risks and secure operations:** Legal and operational risks are minimized, ensuring the integrity of digital systems and the legal validity of transactions. * **Regulatory compliance:** Regulations such as AML and KYC require entities to verify the identity of their customers before establishing a business relationship.  * **Optimize efficiency and experience:** Streamline processes such as digital onboarding, offering fast and seamless verification that improves end-user satisfaction. * **Build trust and reputation:** Robust validation protects the brand, prevents abuse, and projects an image of reliability and security to customers and partners. * **Ensuring the integrity of digital systems:** Especially in sovereign identity or eID environments. * **Experience and efficiency: with automated systems, validation is quick and seamless, without travel or long waits, streamlining onboarding, account opening, and subscriptions.** **In identity verification processes, the absence of rigorous validation allows seemingly legitimate documents to be used for fraud and identity theft.** ### **Types of documentation that require validation** Some of the most common documents that require validation include those used to officially verify a person's identity in digital and in-person processes. The most common are: * **National Identity Document (DNI) –** Spain and other countries with similar formats. * **Passports –** especially biometric ones with NFC chips. * **Residence cards or residence permits:** Essential for foreigners undergoing immigration or regularization processes. * **Driver's licenses –** increasingly used as an alternative form of identification. * **Foreign identity cards** (TIE in Spain, NIE for non-residents). * **Diplomatic or refugee documents,** in specific contexts. * **Chip-enabled documents** (e-passports, e-ID cards with NFC/RFID) * **Official digital identifications** (eIDs) issued by competent authorities. Depending on the country or sector, other accreditation documents may also be required, such as **residence cards, visas, temporary permits, citizenship documents, and other types of identity accreditation.** These documents must be validated not only for their content, but also for their format, materials, and integrated security mechanisms. ### **Sectors where it is mandatory to verify an identity document** Identity verification is becoming critical in multiple sectors, especially when there are fraud prevention rules, customer identification requirements, or financial regulations. **Some of the most relevant sectors are:** * **Banking and finance:** required by the AML Directive (especially AML5 and **[AML6](https://www.tecalis.com/blog/6amld-6-amld-aml-sixth-eu-regulation-money-laundering-prevention)**) and the KYC framework. * **Insurance:** to prevent fraud in contracts and claims. * **[Fintech](https://www.tecalis.com/blog/fintech-financial-technology) and crypto assets:** cryptocurrency platforms must verify identities in accordance with regulations such as MiCA in Europe. * **Online gaming:** regulated by national regulations such as the DGOJ in Spain. * **Telecommunications:** to prevent fraudulent mobile line contracts. * **Sharing economy:** vehicle or home rentals, marketplaces, and digital platforms. * **Public administrations:** digital procedures that require strong identification, such as issuing certificates or applying for grants. * **Human Resources and employment:** employee onboarding processes, teleworking, and employee recruitment. * **Legal and notarial sector:** when certainty of identity is required for signatures, powers of attorney, and legally valid contracts. * **High-value e-commerce:** to prevent fraud in purchases made with stolen cards or fake accounts. In all these cases, validation must be audited, traceable, and compliant with international standards. ## **How to verify an identity document: methods and technologies** **Modern identity document verification relies on a combination of advanced technologies that enable secure, fast, and scalable authentication. The fundamental technological pillars are detailed below:** #### **OCR to extract data from the document** **Optical Character Recognition (**[OCR](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online)**) is the first step in verification. This technology allows textual data such as name, identification number, or date of birth to be automatically extracted from the document and compared with the information provided by the user. However, OCR alone does not guarantee the authenticity of the document; its function is limited to transcribing data. For this reason, it must be combined with other validation and verification techniques.** Modern OCRs include:  * Automatic document type detection. * Perspective correction and lighting enhancement.  * Multilingual and multi-zone reader (capable of reading MRZ, barcodes, and NFC chips). #### **Facial biometrics to confirm the holder** **Facial biometrics** is the standard for linking a document to its holder. The process includes capturing a live **selfie with liveness detection** to prevent photos or masks. A **biometric comparison** is then performed against the photo on the document, using high-precision algorithms. **Spoofing** is also detected through micro-expressions, blinking, or depth analysis. This step ensures **high levels of security** and complies with **[eIDAS](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet)** standards. #### **Analysis of security elements and integrity checks** To confirm the authenticity of the document, advanced solutions verify **holograms, microtext, MRZ bands, NFC/RFID chips, digital signatures, stamps, or watermarks.** In addition, the image is checked for manipulation by evaluating **metadata, cropping, or photocopying**, which helps detect forgeries and ensure authenticity. #### **Cross-referencing with official databases and lists** In some cases, verification goes beyond the document itself: **platforms consult government databases** or official lists, including identity records, **ID cards, issued passports, validity, status, blacklists, sanctions, or PEPs.** This allows them to confirm that the document is still valid, has not been revoked or reported as stolen or lost, and that the person does not appear on any risk lists. #### **Hybrid approach: AI + human review** Modern verification combines **AI for automation** (OCR, biometrics, anomaly detection) with specialized **human review in borderline cases.** This balances efficiency, automation, and accuracy. The hybrid approach is key to complying with strict regulations (KYC/AML), legally valid electronic signatures, and high-level validations, such as those required by financial institutions or official procedures. ### **Step by step: how the document verification process works** **A typical online identity verification flow includes the following steps, designed to confirm the authenticity of documents and the user's real identity. This process combines automated technologies, biometrics, and security checks to reduce fraud and comply with regulatory requirements.** 1. **Document capture:** the user uploads photos of the front and back (or scans the NFC chip if the device allows it). 2. **Automatic data extraction (OCR)**: the data in the document is read and structured: name, number, date of birth, date of issue and expiration, nationality, etc. 3. **Authenticity analysis:** The system analyzes security features (holograms, typography, NFC/RFID chip, format consistency, possible image manipulation, photo metadata, etc.) to detect counterfeits, photocopies, manipulations, or attempts at fraud. 4. **Biometric verification:** The user takes a selfie or video, and the system compares the facial image with the photo on the document. It includes a liveness check (movements, blinking, angle change) to ensure that the person is actually present. 5. **Validation against official sources:** validity is verified and data is cross-checked with compliance databases. 6. **Manual review when necessary:** In hybrid models, if the AI does not reach a sufficient level of confidence, a human operator reviews the case and decides whether to approve or reject the verification. 7. **Evidence generation/recording:** The system generates a verification report—with metadata, time, IP, traceability, results of all checks—that can serve as legal or documentary evidence in the event of audits, disputes, regulations, etc. 8. ****Verification result**: The system returns a result (approved/rejected), along with the reason if rejected, and allows you to continue with onboarding, signing, contract, and access only if the verification has been successful.** **This entire process can be completed in less than 60 seconds with over 99% accuracy. In addition, it offers a level of security that is as high as or higher than in-person verification.** ## **Identity verification software: key features and functionalities** In the digital age, manual document validation is slow and costly, which is why regulated and unregulated companies are adopting identity **verification software or KYC/AML solutions** that automate the process using **AI, cryptography, official databases, and international standards.** **High-performance software must include advanced technical and functional capabilities that ensure security, accuracy, and scalability. These are:** * **Document capture:** ID card, passport, residence permit, or eID via camera, cell phone, or webcam. * **Advanced OCR:** automatic data extraction, including MRZ, non-Latin alphabets, and different formats. * **Verification of authenticity and integrity:** analysis of security features, detection of tampering, NFC/RFID chip, metadata, digital signatures, structural consistency. * **Biometric/facial verification:** with liveness detection to ensure that the cardholder is present. * **Hybrid approach:** combining AI and human review to maximize accuracy and reliability. * **Flexible integration:** via API, SDK, web, mobile—ideal for digital onboarding and internal processes. * **Scalability:** the ability to process large volumes of identifications without losing accuracy or speed. * **Generation of documentary evidence and traceability:** logs, metadata, and audits that facilitate regulatory compliance, legal defense, and official reviews. **With these features, companies can offer fast, secure, and reliable verification, reducing fraud risks and optimizing the digital experience for their users.** ### **What to consider when purchasing KYC software** **When evaluating a digital identity verification solution, it is essential to consider the following aspects. These determine its ability to operate securely, efficiently, and in compliance with current regulations:** * **Global coverage:** Support for over 10,000 document types from more than 200 countries. * **Compliance**: ISO 27001, **[GDPR](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business)**, eIDAS certifications, etc.  * **Accuracy**: False positive and false negative rates below 1%. * **Speed:** Processing times < 30 seconds. * **UX/Interface:** Frictionless mobile and web processes with high conversion rates.  * **Multi-channel support:** SDK for mobile apps, web widgets, REST APIs. When choosing KYC software, verify compatibility with documents, formats, and countries. Ensure that it complies with local regulations and standards such as KYC, AML/PLD, GDPR, and eIDAS 2.0. Confirm the availability of technical support and international certifications for greater reliability. ### **Automation, precision, and regulatory compliance** **To ensure agile, accurate, and sustainable compliance in an ever-evolving regulatory environment, effective KYC software must:** * **Automate real-time decisions based on risk rules:** reduce human error, speed up onboarding, and immediately block suspicious transactions. * **Automatically update with regulatory changes (e.g., new AML lists):** ensures that the company always complies with current legislation without the need for constant manual reviews. * ****Provide auditable logs to demonstrate compliance to supervisors:** facilitates regulatory inspections and provides transparency and traceability in all verifications performed.** ### **API integration and digital onboarding optimization** **To facilitate a smooth user experience and frictionless compliance, most modern software offers RESTful APIs that allow verification to be integrated into:** * **Mobile apps (iOS/Android):** allow identity verification to be integrated directly into the end-user experience, ensuring fast and secure onboarding. * **Websites (JavaScript, React, Angular):** facilitate KYC implementation on online platforms, offering intuitive interfaces and multi-platform compatibility. * **Backend flows (Java, Python, Node.js):** enable the automation of verification processes, efficiently integrating KYC software into the company's infrastructure. This allows companies to design 100% digital onboarding processes, without human intervention, and with high levels of security. ## **Beyond the identity document: verification of other documents** **Advanced KYC systems are no longer limited to ID cards or passports. Thanks to artificial intelligence and specialized OCR, they can verify:** * **Notarial powers:** verification of signatures, seals, and notary authenticity using OCR and notarial databases. * **Digital certificates:** validation of qualified electronic signatures (eIDAS) and certificate expiration. * **Digital identity wallets:** integration with systems such as the European Digital Identity Wallet (EUDI Wallet), which will allow citizens to share verified attributes without revealing their entire identity. * **Property records:** validation of title deeds, deeds, or cadastral certificates in real estate transactions. * **Invoices and receipts:** to verify tax residence or actual address (common in bank onboarding processes). * **Academic documents:** verification of university degrees using digital stamps or educational blockchains. These capabilities transform KYC from a regulatory requirement into a strategic tool for digitizing complex processes. All of this is processed automatically, reducing the operational burden and speeding up validation times. ## **Adaptation to local and international regulations** **Regulations surrounding digital identity are evolving rapidly. Any verification solution must anticipate these changes:** * **eIDAS 2 (European Digital Identity Regulation):** establishes a common framework for digital identity in the EU, including the [**EUDI Wallet.**](https://www.tecalis.com/blog/eudi-digital-identity-eu-wallet-eidas2-eidas-2-application) It requires identity verification processes to reach at least the substantial level (and high for sensitive financial or administrative transactions). * **[PSD3](https://www.tecalis.com/es/blog/psd3-que-es-directiva-servicios-pago-payment-services-directive-fintech-banca-financiero-open-finance) (Payment Services Directive 3):** will strengthen strong customer authentication (SCA) requirements and demand more rigorous identity verification for recurring payments and new customer onboarding. * **AML6 (Sixth Anti-Money Laundering Directive):** tightens due diligence obligations, requiring more thorough verification in digital environments and penalizing corporate negligence. * **GDPR and LOPD-GDD:** regulate the processing of biometric and personal data, requiring minimization, encryption, and the right to be forgotten. * ****MiCA (Markets in Crypto-Assets Regulation)**: requires crypto-asset service providers to implement KYC processes equivalent to those in the traditional financial sector.** **Identity verification software must be designed to adapt dynamically to these frameworks, not only complying today, but anticipating future requirements.** ## **Tecalis Identity: KYC/AML identity validation and verification software** **Within the market for advanced identity verification solutions, [](https://www.tecalis.com/products/identity-verification) [Tecalis Identity](https://www.tecalis.com/products/identity-verification) has established itself as a leading platform in highly regulated environments, thanks to its combination of automation, accuracy, regulatory compliance, and integration capabilities. It is designed for companies that require robust, auditable, and scalable verification flows, with a particular focus on the financial, telecommunications, insurance, public administration, marketplace, and digital platform sectors.** ### **Key features** In a demanding regulatory environment with increasingly digital users, the technical and compliance capabilities of a KYC solution make all the difference. The most important ones are: * **Multi-channel validation:** supports physical, digital, and NFC documents from over 200 countries. * **NFC reading**: Compatible with DNIe 3.0, biometric passports, and European eIDs. * **Biometrics with 3D liveness:** advanced spoofing detection through depth and motion analysis. * **Real-time verification against official sources:** includes direct connection to the Spanish ID verification system, among others. * **Integrated KYC/AML engine:** automatic screening against sanctions lists, PEPs, and risk databases. * **Certifications:** Compliant with ISO 27001, eIDAS high level, and currently undergoing ICAO and BSI certification. * **Flexible deployment:** cloud, on-premise, or hybrid, with servers in Spain or in the European sovereign cloud. * **High conversion: Optimized mobile interface, with an abandonment rate of < 8%.** ### **How does the process work?** **The main steps in the digital identity verification** process are designed to ensure a secure, fast, and reliable experience**. Below are the key stages of the verification flow that the user follows.** The user accesses the **digital onboarding flow** from the **customer's website or mobile app.** 1. 1. Capture the **identity document (photo or NFC scan).** 2. Take a selfie with liveness detection. 3. Tecalis Identity processes data in <30 seconds. 4. The system returns a result with: * Level of certainty (high, substantial, low). * **Risk and fraud indicators.** * **Evidence of the process (images, logs, verification hash).** 5. The company decides to **accept, reject, or escalate to manual review.** **The entire process is auditable, traceable, and GDPR compliant, with the option to delete biometric data after verification. The average verification time is 22 seconds, and the success rate is 97.4%.** ### **Benefits of online identity verification** Implementing a robust identity verification solution brings clear strategic advantages. The most notable are: 1. **Identity fraud prevention:** drastically reduces the risk of impersonation, fake accounts, and illegal transactions. Up to 90% fewer impersonation attempts, based on real use cases. 2. **KYC/AML regulatory compliance:** avoid millions in fines and protect your company's reputation. 3. **Process optimization:** automate onboarding, reduce operating costs, and eliminate bottlenecks. 4. **Improved user experience:** fast, simple, and mobile processes increase conversion and satisfaction. 5. **Digital sovereignty:** by using European solutions such as Tecalis, you can be sure that your personal data will not leave the European Economic Area. 6. **Global scalability: with multi-jurisdictional support, you can operate in multiple countries without reinventing the process.** --- ## KYC File: What it is, what it is used for, and how to automate it **URL:** https://www.tecalis.com/blog/kyc-file-what-it-is-how-to-automate **Descripción:** KYC files are verified digital profiles or records containing key customer information. Discover what a KYC file is, its legal status, and how to automate it. **To operate legally and build trust in the digital age, every organization must master one key element: the KYC (Know Your Customer) form**. This dynamic document is essential for ensuring integrity, transparency, and security in commercial relationships in sectors such as banking, fintech, cryptocurrencies, and insurance. Managing customer identity is no longer just a **best practice, but a legal obligation.** But how does a **KYC form** differ from a mere form? Why has its comprehensive automation become critical for regulatory compliance (KYC/AML)? This article breaks down the concept in technical detail: we explore its **legal basis**, show how to **automate its creation and management with technologies** such as those from Tecalis, and **reveal the strategic and operational benefits** of effective implementation. ## **What Is The KYC Form and Why Is It Important?** **The KYC file is a structured, centralized record that brings together essential, verified information about a customer with whom a company establishes a business relationship. It is not just a set of data, but a validated, up-to-date, and traceable identity profile that serves as the basis for operational security, financial integrity, and customer trust.** **In practice, the KYC file is a dynamic digital asset, not a physical document. It is updated throughout the customer lifecycle and includes:** * Basic personal or corporate data. * Risk profile (low, medium, high). * Economic activity and sources of funds.  * Ultimate beneficial ownership (UBO) structure. * **Record of prior checks (**[OCR](https://www.tecalis.com/blog/software-ocr-recognition-optical-character-recognition-enterprises),** biometrics, sanction lists).** **Its relevance is critical: without a **complete and valid KYC file**, a company cannot demonstrate to regulators that it has applied the **due diligence** required by law. In cases of non-compliance with **AML regulations**, having a weak KYC file can result in millions of dollars in fines and **serious reputational damage.**** ### **What Is a KYC Form Used For?** **The KYC form serves multiple strategic and compliance functions, as it allows for the identification and validation of customers, the assessment of operational and regulatory risks, and the assurance of transparency in commercial relationships in accordance with current regulations. These are:** 1. ****Prevent fraud and money laundering**: It allows the identification of individuals or entities with high-risk profiles linked to illegal activities or sanctioned by international organizations.** 2. ****Compliance with rules and regulations**: This is the basis for compliance with Directive (EU) 2018/843 (AMLD5) and its transposition into Spanish law in Law 10/2010 of April 28 on the prevention of money laundering and terrorist financing. It also applies through Regulation (EU) 2021/821 and subsequent updates (AMLD6).** 3. ****Build customer trust**: A well-designed KYC process not only protects the company, but also conveys professionalism, security, and transparency to the customer. In sectors such as **[digital banking](https://www.tecalis.com/blog/kyc-what-is-know-your-customer-documents-file-checks-compliance-aml-verification)** or fintech services, KYC onboarding is the user's first experience with the brand.** 4. ****Manage operational risk:** the KYC file facilitates customer segmentation by risk level (low, medium, high) and allows enhanced measures (Enhanced Due Diligence) to be applied when necessary.** 5. ****Ensure traceability and auditing**: Every action related to customer identification or verification is recorded, facilitating internal and external audits and demonstrating diligence in the event of an inspection.** ## **Differences Between KYC Form, KYC Document, and KYC File** **These terms are often used interchangeably, but each has a distinct role within the KYC process:** * **[**KYC form**:](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data) **This is the data capture tool.** It can be physical or digital and is used to collect **initial customer information** (name, ID, address, profession, source of funds, etc.). In digital environments, KYC forms are often integrated into onboarding flows with dynamic fields that adapt to the type of customer. **Their function is to collect declared data.**** * ****KYC document: Physical or digital evidence** provided by the customer to validate the information declared on the form. This includes **identity documents** (ID card, passport, driver's license), proof of address (utility bills, bank statements), company incorporation documents (deeds, tax identification number) and, in some cases, **documents proving the origin of funds. Its function is to provide evidence.**** * ****KYC file**: This is the **final result of the process.** It is the **master, structured repository that consolidates, verifies, and links all the information.** A structured digital profile containing verified customer information, their risk level, attached documents, biometric verification records, and any other relevant evidence. **It is stored in a compliance management system and updated periodically.**** In summary: the form collects the data, the documents support it, and the file integrates it into a verified and manageable profile. ## **Legal Basis For the KYC Process: KYC and AML Regulations** **The regulatory framework that requires the implementation of [KYC processes in Spain](https://www.tecalis.com/blog/kyc-spain-regulation-digital-solutions-aml-compliance) and throughout the European Union originates from:** * ****Law 10/2010, of April 28, on the prevention of money laundering and terrorist financing (LPBC)**: Establishes the obligation to identify and verify customers (Art. 10), assess risks, store information (for five years after the end of the business relationship), and train staff.** * ****Royal Decree 304/2014, approving the Regulations implementing Law 10/2010**: Details the technical identification requirements, due diligence levels (simplified, normal, enhanced), and cases requiring reporting to SEPBLAC (Executive Office for the Prevention of Money Laundering and Tax Offenses).** * ****Directive (EU) 2018/843 (AMLD5) and** [**AMLD6**:](https://www.tecalis.com/blog/6amld-6-amld-aml-sixth-eu-regulation-money-laundering-prevention) These require Member States to extend the scope of KYC to new sectors (such as electronic wallet service providers and cryptocurrency exchanges) and to strengthen electronic identity verification.** * ****eIDAS Regulation (910/2014):** Regulates electronic signature levels and secure electronic identification, allowing the use of digital means to comply with KYC obligations, provided they meet sufficient technical guarantees.** **These regulations impose an obligation of result, not of means: **companies must ensure that they have correctly identified their customer**, regardless of the channel (in person or digital) through which the transaction was carried out.** **Failure to comply with KYC/AML regulations carries very **serious administrative penalties**, which can amount to **millions of euros or 5% of the company's annual turnover**. In addition, there are criminal penalties for de facto or de jure administrators, which can even include prison sentences in serious cases.** ## **How To Automate KYC File Creation and Management: a Step-By-Step Guide** **Automating the KYC process is no longer an option, but a competitive necessity. Modern solutions, such as Tecalis Identity, make it possible to transform a process that traditionally took days (or even weeks) into one that can be completed in minutes, with greater accuracy and traceability.** **Below, we explain step by step how to implement an automated KYC file management system:** #### **1.  Secure digital capture** * The customer accesses a link or widget integrated into the company's website or app.  * Complete a **digital KYC form** optimized for usability and conversion.  * Upload photos or scans of your **identity documents** and proof of address directly from your device. #### **2\. Document verification** * In seconds, advanced **OCR technology** automatically extracts data from the document (MRZ, visual fields). * At the same time, document **fraud detection** algorithms analyze hundreds of security features: holograms, microprinting, fonts, data consistency, UV and IR patterns. It determines whether the document is authentic, altered, or fraudulent. #### **3\. Biometric verification and facial comparison**  * To comply with the “live verification” requirement, the solution asks the customer for a **selfie or a short video.**  * A **facial biometrics** engine extracts features and compares them, using AI algorithms, with the photo on the ID document. This ensures that the person presenting the document is its legitimate owner, combating identity theft.  #### **4\. Consent and binding electronic signature**  * For high-value transactions, contracts, or when a maximum level of evidence is required, the workflow can incorporate a qualified **electronic signature step.**  * At this point, the customer digitally signs their explicit consent to the KYC process and the processing of their data. This **signature is fully legally valid under the eIDAS regulation**, equivalent to a handwritten signature, creating an audited and unchallengeable record of their authorization. #### **5\. Data verification and sanction lists** * The extracted data (name, date of birth) is automatically cross-referenced with reliable databases (official lists, government databases) and searches are performed on **PEP (Politically Exposed Persons) lists, sanctions lists**, and watch lists (such as those of the UN, EU, and OFAC) for an initial risk assessment. #### **6\. Automatic creation of the KYC file**  * This is the **core of the automated process**. All verified information, such as form data, document authenticity results, facial similarity scores, or list results, is automatically **consolidated into a unified, structured, and ready-to-use digital KYC file**.  * This file, readable by both humans (interface for the analyst) and machines (API, integration), is stored securely and, critically, **automatically linked to the customer's profile in the company's CRM or ERP system.** * This transforms the isolated file into the heart of the verified customer data, accessible to all relevant departments. #### **7\. Workflow and decision**  * According to preconfigured rules (for example, if the document is valid, the facial comparison exceeds 95%, and there are no alerts on lists, the customer is automatically approved), **the system automatically decides whether the customer is approved, rejected, or sent for manual review.**  * Cases that require Enhanced [**Due Diligence**](https://www.tecalis.com/blog/due-diligence-what-is-cdd-kyc-kyb-customer-enhanced) **or show anomalies** are sent to a compliance analyst's queue, who has all the information consolidated on a single screen. #### **8\. Secure archiving and auditing**  * The **final KYC** file, with all documents and metadata, is stored in encrypted form and with evidentiary integrity, complying with legal retention periods (generally 10 years).  * A complete **audit log of all actions** performed is generated, which is essential for regulatory inspections.. #### **9\. Continuous monitoring**  * Advanced solutions offer proactive monitoring services that automatically alert you if a customer subsequently appears on a sanctions list or if changes in their risk profile are detected. * **This allows for **dynamic updating of the KYC file**, maintaining its validity and usefulness throughout the entire customer relationship.** ### **Technical Requirements For a KYC Verification Solution** **For a KYC solution to be valid before regulators, it must meet certain minimum technical requirements:** * **OCR (Optical Character Recognition):** accurate data extraction from ID cards (DNI/NIE) and passports, even under low-quality conditions. * **Document tampering detection:** use of digital forensic techniques to identify forgeries. * **3D biometrics with liveness detection:** The algorithm must be able **to perform an accurate “face match” between a live selfie/video and the document photo**, even with different angles, lighting conditions, or the passage of time. It must include **liveness detection** (verifying that the subject is a real person and not a photograph or mask) using techniques such as blink detection, head movement tracking, or micro-texture analysis. * **Certified facial comparison:** algorithms with error rates below 0.1% (according to NIST standards). * [**Advanced or qualified electronic signature:**](https://www.tecalis.com/blog/advanced-electronic-signature-qualified-differences-use-cases) The solution must be able to integrate the issuance of a qualified electronic signature certificate, granting the signed document the highest legal validity, equivalent to a handwritten signature under the **eIDAS regulation.** * **Audit trail:** immutable recording of all actions (who, when, and how verification was performed). * **Specific regulatory compliance:** The platform and its data providers must comply with GDPR in Europe, eIDAS, local data protection regulations (LOPDGDD in Spain), and other relevant frameworks, ensuring the legality of all data processing. Tecalis meets all these requirements and has been audited by Spanish and European supervisory authorities. ### **How To Integrate KYC Into Your Business Processes** **The true effectiveness of automated KYC lies in its integration with corporate systems. It’s not just about speeding up verification, but about turning it into a dynamic, actionable component within the organization’s digital ecosystem. These include:** * **Digital Onboarding Platforms:** Direct integration into the website or mobile app for a seamless registration. The form and verification are part of the first interaction, reducing friction and drop-offs. For banks, neobanks, insurance companies, or fintechs, KYC is the first step of the funnel. * **CRM Systems (Salesforce, HubSpot, Microsoft Dynamics):** The KYC record is linked to the customer profile, enabling risk-based segmentation. * **ERP and Management Systems (SAP, Oracle):** Financial transactions are blocked if the customer has not completed KYC. * **Document Management Tools:** KYC documents are stored in secure repositories with access controls. This ensures the process maintains the highest level of legal security. * **Real-Time Verification APIs:** They allow KYC verification to be integrated at any point of the customer journey (mobile app, website, chatbot). * **Compliance Platforms:** The KYC verification solution can serve as the first link in a broader platform that also handles ongoing monitoring, regulatory reporting, and alert case management. Integration is typically done via RESTful API, with response times under 5 seconds in 95% of cases. ## **Benefits of Automating the KYC Process** **Beyond regulatory compliance, automated KYC has become a key asset for digital organizations. Automating it not only reduces legal risks but also creates operational and commercial value:** 1. **Reduction of onboarding time from days to minutes.** Manual processes involving emails, printing, scanning, and visual verifications **can extend onboarding to 3–10 business days**. With an automated workflow, **users can complete everything from their mobile device in under 5 minutes.** 2. **Higher Conversion Rates:** Long, manual forms lead to drop-offs. A smooth digital process can boost conversion by up to 40% (according to McKinsey reports). Instant approval for low-risk cases can increase final conversion by more than 70%. 3. **Elimination of Manual Errors:** Advanced OCR removes data transcription errors from documents. Fraud detection algorithms are far more accurate and consistent than the human eye at spotting sophisticated forgeries. **Digitization reduces data capture errors by up to 90%**. 4. **Scalability:** You can handle thousands of verifications simultaneously without increasing staff. 5. **Adaptation to Regulatory Changes:** Cloud platforms automatically update to comply with new legal requirements (such as the inclusion of crypto assets in AMLD5). 6. **Improved Customer Experience:** Users appreciate speed, security, and a paperless process. 7. **Cost Savings:** According to Deloitte, companies that automate KYC reduce compliance operational costs by 50–70%. 8. ****More Effective and Early Fraud Detection**: Automated systems use artificial intelligence and machine learning that learn from global fraud patterns. They can detect cutting-edge document forgeries and identity spoofing attacks that would go unnoticed in manual reviews.** ## **Frequently Asked Questions about the KYC Form** ### **What does a "KYC document" include?** The term “KYC document” usually refers to the set of documentary evidence that a customer provides to verify their identity and financial status. This can include: * **For individuals:** An official photo ID (DNI, NIE, or passport) and a **recent proof of address** (≤ 3 months) in their name, such as a utility bill (electricity or water) or a recent certificate of residence. * **For legal entities:** Certificate of incorporation and updated corporate bylaws; identity documents of directors and ultimate beneficial owners (UBOs) with >25% ownership; proof of the company’s registered tax address; and company tax identification number (CIF/NIF). * **In Enhanced Due Diligence (EDD):** Supporting documents proving the source of funds may be added (income tax return, pay slips, sales contract, etc.), especially for high-value transactions. These documents are scanned, validated, and stored as part of the KYC file, rather than as a single “document.” ### **Is a KYC File Mandatory For All Companies?** The KYC file is not mandatory for all companies. The requirement applies to obligated entities under Law 10/2010, which include: * Financial institutions (banks, savings banks, neobanks). * Securities firms and fund management companies. * Insurance companies and brokerages. * Auditors, accountants, and tax advisors (for certain activities). * Notaries and registrars. * Art and high-value good dealers. * Electronic wallet service providers and cryptocurrency exchanges. * Casinos and online betting platforms. SMEs or self-employed individuals not operating in these sectors are not obligated, although it is still recommended to implement basic identification controls in high-risk contexts. ### **How To Ensure The Security of KYC Data?** Protecting sensitive information is a critical element in KYC processes, as it **involves handling personal and financial data.** To achieve this, it is essential to implement technical and organizational measures such as: * Use providers certified in ISO 27001 and compliant with GDPR. * Ensure that data is encrypted end-to-end. * Implement role-based access controls. * Store data in the EU (avoid servers in third countries without adequacy). * Conduct regular cybersecurity audits. * Apply the principle of data minimization: collect only what is strictly necessary. Platforms like Tecalis comply with all these standards and provide compliance reports to their clients. [**Discover more frequently asked questions about the Know Your Customer process here.**](https://www.tecalis.com/blog/software-ocr-recognition-optical-character-recognition-enterprises) --- ## Document integrity verification service: complete guide **URL:** https://www.tecalis.com/blog/document-integrity-verification-service **Descripción:** Services to verify the authenticity and integrity of your digital documents using qualified electronic signatures, CSVs, and timestamps. Document integrity verification has become an **essential pillar of digital transformation**, especially in a context where business, legal, and administrative processes are increasingly carried out in electronic environments. Ensuring that a digital document **has not been altered, that it is authentic**, **and that it can be reliably validated over time** is a critical requirement for complying with **regulations, preventing fraud, and building trust** among organizations, customers, and public administrations. In this comprehensive guide, we take an in-depth look at what a **document integrity verification service** is, how it works, what technologies it uses, what regulations govern it, and why it is a key part of any **modern document compliance** strategy**.** ## **What is a document integrity verification service?** **A document integrity verification service is a set of processes, technologies, and technical controls designed to verify that a digital document has not been modified since its issuance or signing, keeping its content, structure, and legal value intact.** ### **What does document integrity mean and what are its objectives?** Protecting the accuracy and probative value of documents is essential in any process where information supports **decisions, compliance, or responsibilities.** From a **technical and legal** standpoint, **document integrity** means that: * The **content of the document** is exactly the same as in its original version. * There have been no **unauthorized alterations, manipulations, deletions, or insertions.** * It can **be reliably demonstrated** who **issued** it**, when, and under what conditions**. * **Verifiable evidence** is preserved **in the long term**, even years later. The main objective of these services is **to guarantee the authenticity, reliability, and legal validity** of electronic documents throughout their life cycle. ### **Why is integrity verification key to digital transformation?** **In digital transformation, documents are no longer simple files, but legal and evidentiary assets. Contracts, invoices, certificates, medical reports, policies, notarial documents, or administrative files must be able to be validated electronically even years after their issuance. Without robust verification mechanisms:** * The **risk of document fraud** multiplies. * [**Regulatory compliance**](https://www.tecalis.com/legal/compliance-eidas-qtsp-regulations-certifications-stamp) becomes impossible to demonstrate. * **Legal certainty** is lost, especially in legal disputes or audits. * **Digital processes lose trust and credibility with customers, partners, and regulators.** That is why integrity verification is a **structural pillar of modern document compliance.** ### **What types of documents can undergo integrity verification?** Virtually any digital document can be verified if it has the appropriate technical elements. Among the most common are:  * Commercial and employment contracts. * [**Electronic invoices**](https://www.tecalis.com/blog/electronic-invoice-compulsory-invoicing-free-programs-applications-types-regulation) and accounting documents. * Official certificates, such as academic and professional certificates. * KYC/KYB documentation. * Financial reports. * Notarial documents. * Administrative files. * Delivery notes and logistics documents.  * Insurance policies. * Medical and clinical reports. ## **How does document integrity verification work?** Although implementations may vary, **the technical process follows a standardized sequence that ensures the detection of any unauthorized alteration** since the document's creation: 1. **Issuance or generation of the document:** The document is created in digital format (PDF, XML, etc.). Always in a secure environment and often using certified systems. 2. **Application of advanced or qualified** [**electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature)**:** A digital signature with eIDAS standards is applied, linked to the signer's identity through qualified certificates. 3. **Insertion of** [**a timestamp**](https://www.tecalis.com/blog/timestamp-what-is-timestamping-time-stamp-qualified-stamping-types-electronic-digital-signature): A certified trusted service provider (TSP) adds a legally valid timestamp, which proves when the document was signed. 4. **Digital fingerprint generation**: A unique hash value is calculated from the document's content. Any subsequent changes will invalidate this fingerprint.  5. **Secure Verification Code (SVC)**: A unique identifier, usually alphanumeric, is generated, allowing real-time validation of the document's integrity on a verification portal or API.  6. **Real-time validation**: Any user can enter the CSV or upload the document to a public or private platform to confirm that its content has not been altered and that all signatures and stamps are valid. This flow is **fully automatic, immediate, and scalable**, ideal for high-volume sectors such as banking, insurance, or public administration. ## **Key aspects of document integrity verification** **The effectiveness of document integrity verification services does not depend on a single technology, but on the synergistic combination of methods and controls. The methods and tools used to verify document integrity are varied, so that different aspects are analyzed in order to certify that the documents are valid.** ### **What methods are used to verify document integrity?** **Integrity verification combines cryptographic techniques, automated analysis, and regulatory standards to ensure that a document has not been altered since its issuance. The methods most commonly used in digital and regulated environments are described below:** * ****Secure Verification Code (SVC)**: **A unique identifier** that allows the **authenticity** **of a** **document** to be validated through an **electronic headquarters**** **or validation platform.** **It is **widely used** by **public administrations and regulated companies.**** * **Documentary**  [**KYC**](https://www.tecalis.com/blog/kyc-know-your-customer) **and KYB:**  In financial environments, integrity verification is integrated with KYC processes, where customer identity documents are authenticated and checked to ensure they have not been tampered with. * [**OCR**](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online)**:** Used to digitize and extract text from scanned or image documents, but combined with cryptographic validation techniques. It can detect inconsistencies or alterations. * **Computer Vision:** Artificial vision tools analyze visual patterns in physical documents (such as ID cards or passports) to detect signs of forgery (incorrect ink, absence of holograms, etc.). * [**Qualified electronic signature**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies): This is one of the most robust integrity mechanisms. An advanced or qualified electronic signature guarantees the identity of the signer, the integrity of the content, and [**non-repudiation**](https://www.tecalis.com/blog/non-repudiation-what-is-signature-example-guarantees-deniability)**.** * **Time stamps:** These guarantee the exact date and time of a digital event with legal validity, essential for documents with legal deadlines such as invoices or contracts. ### **What technologies guarantee document integrity?** The integrity of digital documents is supported by technologies that **detect any unauthorized alterations and ensure their authenticity over time**. Among the most robust and widely adopted are: * **Cryptography:** Cryptography is the technical basis of document integrity. Hash algorithms such as SHA-256 generate a unique digital fingerprint of the document. * **Digital fingerprints**: Any modification, no matter how small, alters the digital fingerprint, allowing manipulations to be detected. * **Blockchain: In some cases, integrity is reinforced by blockchain, recording immutable and decentralized evidence.** ## **Practical applications: Who needs this service and why?** **Ensuring that digital documents have not been altered is a growing requirement in regulated environments and trusted transactions. Document integrity verification cuts across multiple sectors.** #### **Regulatory compliance and document compliance** **Companies subject to regulations such as [GDPR](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business), AML, MiFID II, PSD2, or SOC 2 must demonstrate that their documents have not been altered. An automated integrity verification system not only facilitates audits but also prevents penalties.** #### **Financial sector and insurance** **Banks, fintechs, and insurers process millions of documents annually: contracts, credit applications, policies, and claims. Real-time verification with CSV and KYC reduces fraud and speeds up digital onboarding.** #### **Public administrations and notaries** **In Spain, the promotion of electronic administration (Law 39/2015) requires that electronic documents have guarantees of integrity and authenticity. Digital notaries, the electronic Civil Registry, and tax procedures depend on qualified signatures and time stamps to offer 100% digital and legally valid services.** #### **Logistics and transport companies** **Transport invoices, cargo certificates, customs documentation, and waybills must be verifiable to avoid delays, fines, or disputes. The integration of CSV and electronic signatures into logistics platforms allows for complete traceability and regulatory compliance with [eCMR](https://www.tecalis.com/blog/ecmr-e-cmr-digital-bill-of-lading-electronic-consigment-note) (Electronic Convention on the Contract for International Road Transport).** ## **What to consider when hiring a document integrity verification service?** **The choice of provider directly impacts your organization's legal security, operational efficiency, and regulatory compliance. Before choosing a provider, it is essential to evaluate the following aspects:** * **Do not rely solely on visual reviews**: Integrity must be based on cryptographic evidence, not human evidence.  * **Evidence storage and traceability**: The system must retain logs, hashes, and timestamps.  * **Use of certified and up-to-date technologies**: Avoid obsolete or non-auditable solutions.  * **QTSP-EU providers:** It is essential that the provider is a Qualified Trust Service Provider according to eIDAS.  * **Verify that the CSV is unique, non-reusable, and has an expiration time**: This prevents impersonation or fraudulent reuse. * **Scalability and automation:** The service must integrate with internal systems via APIs.  * **Regulatory compliance**: It must comply with eIDAS, GDPR, KYC, [**AML,**](https://www.tecalis.com/blog/aml-anti-money-laundering) and industry regulations. * **Avoid static solutions: The service must be continuously updated to counter new fraud techniques (deepfakes, PDF manipulation, etc.).** ## **Regulations governing document integrity verification** **The integrity of electronic documents is subject to a broad and evolving regulatory framework, combining European regulations, national legislation, and international standards. The main legal and technical references are detailed below.** #### **How does eIDAS (and eIDAS 2.0) regulate document integrity?** The **eIDAS Regulation (EU) 910/2014** defines the requirements for trust services, including: * Qualified electronic signature. * Qualified electronic seal. * Qualified time stamp. eIDAS 2, which will gradually come into force from 2026, will strengthen interoperability and require greater security from providers, especially in digital identity and document verification. **For their part, the KYC and AML directives (such as the [6th AML Directive](https://www.tecalis.com/blog/sixth-aml-directive-6amld-eu-money-laundering-6-amld)) require financial institutions to verify the authenticity of identity documents using robust technical methods, excluding mere visual inspection.** #### **What does Spanish legislation say about electronic documents?** * **Law 39/2015**: Establishes that electronic documents are fully valid if they guarantee authenticity and integrity. * **Law 40/2015**: Reinforces the legal framework for the public sector. * **Royal Decree 203/2021: Develops the use of qualified electronic signatures and seals in the administrative sphere.** #### **What international standards support document integrity?** * ISO/IEC 27001: Information security management standard. * ETSI EN 319 102-1: Defines digital signature formats (PAdES, XAdES). * NIST SP 800-106: Guide for the validation of digital signatures in the US. * GDPR: Requires that documents containing personal data be protected against unauthorized alterations. ## **Tecalis document integrity verification: Main tools** Tecalis does not use a single document integrity tool, but rather a complete ecosystem of combined technologies, allowing for extremely robust and flexible control. Its capabilities include: * **Qualified electronic signature with QTSP-EU certification**: Fully compliant with eIDAS and allows the generation of documents with full legal validity. * **Secure Verification Code (SVC) generation**: Unique, secure, and verifiable in real time via API or public portal. * **Biometric validation and** [**advanced KYC/KYB**](https://www.tecalis.com/blog/kyb-know-your-business): Includes analysis of identity documents using OCR, computer vision, and [**NFC**](https://www.tecalis.com/products/identity-verification/nfc-app-kyc) reading (for DNIe 3.0 and electronic passports). * **Qualified time stamps:** Provided by a certified TSP entity, with legal time traceability.  * **Document anti-fraud**: Detects image manipulation, [**deepfakes**](https://www.tecalis.com/blog/deepfake-what-is-deepfakes-ai-how-to-make-app) in selfies, and metadata alterations. * **RESTful APIs and SDKs**: Enable rapid integration into banking, administrative, or logistics systems.  * **Auditing and digital evidence**: Every event is recorded in an immutable log, ready for legal or regulatory audits.  This approach is ideal for companies that **must strictly comply with KYC, AML,** [**eIDAS**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet), **and legal audit regulations**, as well as those seeking **maximum security without overburdening processes**. ## **Benefits of using document integrity verification services** **Implementing a professional integrity verification service brings multiple strategic advantages. The most notable and important are:** * **Ensuring document authenticity**: Eliminate doubts about the origin and content of digital documents. * **Protecting against fraud and forgery**: Drastically reduce the risks of impersonation, manipulation, or use of expired documents. * **Facilitate the validation of legal documents**: Any third party can verify a document in seconds, without intermediaries. * **Saving time and effort in manual verifications**: Automating manual review and validation processes, with error rates close to zero. * ****Build trust in document exchange**: Customers, partners, and regulators trust a transparent and verifiable system.** ### **Why is it essential to combine digital signatures, CSVs, and automation?** **True effectiveness lies in the synergy between qualified electronic signatures, time stamps, and CSVs. While the signature guarantees the identity of the signer, the time stamp records the exact moment, and the CSV allows for public, simple, and secure verification without exposing the entire document. This triad is at the core of a modern document compliance strategy.** ## **Final recommendations for a document compliance strategy** Robust document management requires **control, technology, and constant updating**. These actions help **maintain integrity and regulatory compliance**. Below are the keys to strengthening your document compliance strategy: * **Integrate verification from the source of the document**, ensuring that integrity and authenticity are guaranteed from the moment of creation. * **Automate evidence and auditing**, reducing manual errors and facilitating **ongoing regulatory compliance**. * **Use certified providers** that offer legal guarantees, legal certainty, and alignment with regulatory standards. * **Periodically review applicable regulations** to adapt to legal changes and avoid compliance risks. * **Opt for modular and scalable solutions that allow you to grow and evolve alongside the organization's digital processes.** ## **Conclusion** Document integrity verification services are no longer a complementary feature: they are a **strategic requirement for any organization that operates in digital environments, seeks legal certainty, and must comply with the highest standards of document compliance.** **With technologies such as Secure Verification Code (SVC), qualified electronic signatures, and time stamps, it is possible to build reliable, efficient, and fully legally valid digital processes.** --- ## CDD: What is customer due diligence, steps, and how to do it **URL:** https://www.tecalis.com/blog/cdd-what-is-customer-due-diligence-steps-how-to-do-it **Descripción:** What CDD is, its levels, and how to apply it in verification and compliance processes. **Customer due diligence (CDD)** is a **mandatory process of identifying, verifying, and assessing customer risk**, designed to **prevent money laundering (AML) and terrorist financing (CFT)**. Applied by **regulated entities** in sectors such as **banking, fintech, cryptoassets, real estate, and insurance**, CDD is not a one-off procedure, but a **continuous process** that must be updated throughout the commercial relationship. This article delves into the **concept of CDD**, its **regulatory framework**, its **levels of application**, its **sectoral scope**, and **synergies with other European regulations.** It also analyzes how **digital due diligence technology solutions**, such as those offered by **Tecalis**, are transforming the way organizations comply with these obligations in a **secure, efficient, and scalable** manner**.** ## **What is CDD (Customer Due Diligence)?** **CDD (Customer Due Diligence)** is the set of procedures that require regulated entities to know their customer, verify their identity, and assess the risk they pose in terms of financial crime. **Technical and regulatory details:**  * Established by the **40 Recommendations of the FATF.** * Implemented in the EU through the [**AMLD6**](https://www.tecalis.com/blog/aml6-sixth-anti-money-laundering-directive-regulation) **Directive (2018/843).** * In Spain, developed in **Law 10/2010 of April 28** and its implementing regulations. * Overseen by **SEPBLAC** (Executive Service of the Commission for the Prevention of Money Laundering). CDD must be applied **before, during, and** after the business relationship, and updated in the event of any relevant change in the customer's profile. ### **The three mandatory pillars of CDD** **To be effective, CDD is based on three non-negotiable technical elements, designed to ensure correct customer identification, understand their risk profile, and ensure regulatory compliance. These pillars enable organizations to prevent money laundering and other financial crimes in a structured and verifiable manner.** #### **Customer identification** Collection of data such as:  * Full name, identity document number (ID card, foreigner identification number, passport), date and place of birth, nationality.  * For **legal entities**: company name, tax identification number (CIF/NIF), registered office, shareholding structure, legal representatives, and **beneficial owner** (who owns \>25% of the capital or effective control). * For **foreign customers**, the tax address and country of residence are also required. #### **Documentary or identity verification** Confirmation that the data corresponds to a real person, by means of:  * **In-person methods** (physical documents). * **Secure remote verification**: facial biometrics, OCR reading, validation against official records or reliable sources (such as the Civil Registry or EU databases).  In the digital environment, only methods authorized by [**SEPBLAC**](https://www.sepblac.es/en/) or based on qualified eIDAS identities are valid. #### **Customer risk assessment** Classification based on objective factors such as:  * Economic activity (high or low risk exposure). * Jurisdiction of residence (countries on FATF lists = high risk).  * Complexity of the corporate structure.  * Status as a politically exposed person (PEP)  All of these factors influence the risk rating. This assessment allows the appropriate level of diligence (standard, simplified, or enhanced) to be applied and continuous monitoring measures to be adopted. ### **The three levels of Due Diligence: Standard, simplified, and enhanced (EDD)** AML regulations establish three levels of due diligence, which must be applied according to the customer's risk profile: * **Standard due diligence:** Applies in most cases. It includes the three pillars mentioned above (identification, verification, and evaluation) and is considered sufficient for low- or medium-risk customers. * **Simplified due diligence:** Allows less stringent measures to be applied to certain low-risk customers or transactions. Examples include public entities, subsidiaries of listed companies, or customers residing in jurisdictions with robust AML systems. However, its use is highly regulated and subject to ongoing review. * **Enhanced due diligence (EDD): This is mandatory when the risk is high. This includes PEP customers, operations with high-risk countries, complex transactions, or opaque corporate structures. EDD requires additional measures such as obtaining the source of funds, approval by senior management, intensified ongoing monitoring, and, in some cases, the intervention of specialized compliance units.** **This approach allows for efficient allocation of resources, concentrating efforts where the risk is real.** ### **Are CDD and DDC the same thing?** Yes, in practice, **CDD and DDC (Customer Due Diligence) are equivalent terms**. **"CDD**" is the acronym used internationally, especially in documents from **the FATF**, the **European Union**, and the **global financial industry.** "**DDC**" is the Spanish translation and is commonly used in regulations and communications in Spanish-speaking countries, such as Spain. **For regulatory purposes, there is no operational difference: both refer to the same process of customer identification, verification, and risk assessment. The distinction, therefore, is mainly linguistic/terminological, not operational.** ## **Who oversees customer due diligence (CDD) and who is required to comply with it?** The key supervisory authorities responsible for ensuring **compliance with AML regulations** are the bodies responsible for supervising and monitoring the entities subject to these regulations. These are: * **The Executive Service of the Commission for the Prevention of Money Laundering and Monetary Offenses** (SEPBLAC), attached to the Bank of Spain. SEPBLAC receives, analyzes, and transmits information related to suspicious transactions and supervises regulated entities to ensure compliance with their obligations, including CDD. * At the European level, the **European Banking Authority (EBA)** issues guidelines and technical standards to harmonize the application of AMLD6 in all Member States. * **The FATF establishes the 40 Recommendations** that serve as a global framework for combating money laundering and terrorist financing. CDD is no longer exclusive to the traditional financial sector. Currently, **regulated entities in Spain (according to Law 10/2010)** are:  * Traditional banking and finance. * Fintechs (especially those with payment services or electronic money licenses). * Crypto-asset companies (VASPs registered with SEPBLAC since 2022). * Real estate agents (in transactions exceeding €10,000). * Insurance companies (especially for investment products). * Telecommunications (when offering mobile payment services or digital wallets). * Collective investment and crowdfunding platforms. * Lawyers, notaries, auditors, and tax advisors in sensitive transactions. * Auction houses, jewelers, and art dealers (in high-value transactions) Each sector must adapt its CDD process to its specific risks. These entities must implement **compliance programs (AML Compliance)**, appoint a **Compliance Officer**, and apply CDD before establishing any business relationship. ## **How to apply CDD in banking: secure technical protocol** In the banking sector, CDD is critical. Banks must not only verify the customer's identity when opening an account, but also **monitor their transactions and periodically update their risk profile**. Some **best practices for applying CDD** securely and effectively in banking are:  1. #### **Rigorous and documented onboarding** * **Verification of customer identity** using **valid official documents** (ID card/passport for individuals; deeds, commercial register, articles of association, powers of attorney, and corporate structure for legal entities). * **Detection of the beneficial owner:** identifying who is behind the company, who has control, who benefits. 2. #### **Risk assessment based on objective criteria** * Analysis of factors such as **country of residence or incorporation, corporate structure, economic activity, expected transactional profile, political exposure (PEP), estimated volume of transactions.** * **Classification of customers as low/medium/high** risk, with assignment of the corresponding **level of due diligence (normal, simplified, or enhanced).** 3. #### **Additional verification in cases of medium-high or high risk** * **Verification of the origin of funds or wealth** where appropriate. * **Justification of the purpose and nature of transactions**, together with **ongoing monitoring of transactions**. 4. #### **Maintenance of comprehensive records** * **Retention of documentation, verification evidence, transaction histories, customer profile updates.** Many regulatory frameworks require **this information to be retained for a minimum period** (e.g., 10 years after the end of the relationship). 5. #### **Secure procedures for remote transactions** * Use of **SEPBLAC-authorized methods for remote onboarding, such as videoconferencing, remote verification of electronic documents, and electronic signatures.** * In its regulations, SEPBLAC defines minimum specifications for remote identification to be legally valid. 6. #### **Continuous updating and monitoring** * **It is not enough to verify the customer at the outset. It is always necessary to monitor their transactions, detect unusual patterns, changes in corporate structure, new beneficiaries, and updated relevant data.** **Banks must apply **continuous due diligence:** if a customer who previously carried out low-volume transactions begins to move large sums without economic justification, the system must alert the compliance team for further review.** ****Security in banking CDD is not only regulatory, but also reputational**: failure to identify a high-risk customer can result in millions in fines, penalties, and even loss of operating license.** ## **Essential steps for implementing effective CDD** **The execution of robust customer due diligence requires the integration of technological and regulatory processes that ensure operational integrity at all times. A recommended roadmap would be:** 1. **Design a customized risk framework:** Define the criteria for classifying customers (geography, sector, profile, type of transaction). 2. **Automate onboarding:** Implement digital identification flows with OCR, biometrics, and validation against trusted sources. 3. **Integrate real-time screening:**  Connection to PEP lists, sanctioned entities (OFAC, EU, UN), and high-risk territories (FATF). 4. **Apply continuous monitoring:** Business rules and automated alerts for changes in customer behavior. 5. **Train staff:** Train employees in detecting red flags and using CDD tools. 6. ****Audit the process:** Conduct periodic reviews of the due diligence process to ensure its effectiveness.** ## **CDD and other European regulations: synergies and key differences** **CDD does not operate in isolation. It is intertwined with multiple European regulations that share security, privacy, and traceability objectives:** * **GDPR (General Data Protection Regulation):** Both regulations require the processing of personal data, but for different purposes. CDD justifies processing under "legitimate interest" and "legal obligation," while GDPR requires minimization and limited retention. Organizations must balance both requirements. * **eIDAS 2.0:** The new European digital identity regulation (finalized in 2025) will establish a common framework for qualified electronic identification (QES), facilitating digital CDD through verifiable identities via QTSP providers. * **NIS2 (Network and Information Systems Security Directive):** Although focused on cybersecurity, NIS2 reinforces the need for robust controls in processes such as user identification and access management, complementing CDD controls. * **AMLD6 and** [**MiCA**](https://www.tecalis.com/blog/mica-law-regulation-european-markets-crypto-assets-stablecoins-tokens)**:** The Sixth AML Directive tightens sanctions and broadens the definition of predicate offenses. MiCA (Markets in Crypto-Assets Regulation), meanwhile, imposes specific CDD obligations on crypto-asset service providers, including the verification of counterparties in transfers. * ****International KYC standard**: "Know Your Customer" is a broader concept that includes CDD as an essential component. KYC also covers the assessment of financial product suitability and the monitoring of transactions.** ## **How a QTSP transforms CDD into secure digital due diligence** A Qualified Trust Service Provider (QTSP), certified under eIDAS, offers legally valid solutions across the EU to comply with CDD digitally: * **Verify customer identity** remotely using secure video identification. * **Generate qualified electronic signatures** (QES) that have the same legal validity as a handwritten signature. * **Validate official documents** in real time against government records. * **Archive proof of identity with cryptographic integrity.** Tecalis, as a European QTSP, offers a comprehensive set of tools that enhance CDD: * [**Tecalis Identity**](https://www.tecalis.com/products/identity-verification)**:** Digital identification solution with facial biometrics, spoofing detection, and OCR reading.  * Benefit: Accelerates remote onboarding with certified security levels. * [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature): Qualified electronic signature with QSCD (Qualified Signature Creation Device).  * Benefit: Guarantees the traceability and non-repudiation of documents associated with CDD. * **Tecalis Verify**: Verification engine against PEP lists, sanctioned lists, and official databases.  * Benefit: Automates real-time risk screening. * **Tecalis Flow**: Process automation engine (BPM) for CDD flows.  * Benefit: Automatically assigns the level of diligence (simplified, standard, or enhanced) according to predefined risk rules. Thanks to these solutions, organizations can implement digital due diligence that not only complies with regulations but also improves the customer experience, reduces operating costs, and minimizes human error. ## **Conclusion: CDD as a driver of trust in the digital economy** **Customer due diligence** (CDD/DDC) is no longer just a **regulatory obligation**, but a **strategic element of trust in the digital economy.** With the evolution of regulations such as **eIDAS 2.0, MiCA, and AMLD6**, the trend is toward **smarter, automated, and risk-based CDD.** Trusted providers such as Tecalis are at the epicenter of this transformation, offering technological infrastructures that enable companies not only to comply, but to anticipate compliance challenges. **Implementing a digital CDD strategy is not an expense, but rather an investment in security, reputation, and regulatory sustainability. And in an environment where fines for non-compliance exceed hundreds of millions of euros, that investment is more necessary than ever.** --- ## Digital consulting: what to look for in a user experience partner **URL:** https://www.tecalis.com/blog/strategic-digital-consulting-guide **Descripción:** Digital consulting guide: optimize onboarding, RPA automation, and eIDAS compliance to maximize your business's ROI and scalability ## **Digital consulting: what to look for in a user experience partner** **Digital consulting** is the strategic pillar for competing in **regulated, customer-centric markets**. Its purpose is to redesign **processes, business models, and user experiences** to generate **sustainable growth, operational efficiency, and a real competitive advantage.** **Choosing the right partner determines the success of digital transformation versus failed projects. This article analyzes what digital consulting is, its types, areas of impact, and how to select high-value firms. In addition, we explore how to measure ROI and scalability with a focus on automation, architecture, and user experience.** ## **What is digital consulting?** **Digital consulting** is a specialized service that supports companies in the design, definition, and **implementation of digital strategies** aimed at **improving their competitiveness, efficiency, and ability** to adapt to the market. Its essence lies in a **profound redefinition** of **digital business models, value flows, organizational culture, and customer relationships**, using technology as a key enabler. Unlike traditional approaches focused solely on technology, **strategic digital consulting** takes a comprehensive approach to: * The **business model.** * **Operational and commercial processes.** * **The customer and user experience.** * The **technological architecture.** * **Organizational change management.** * **Continuous digital innovation.** ### **What is the role of a strategic digital consultant?** A **digital partner** does not just implement isolated software or tools. Their value lies in **reinterpreting the business from a digital perspective**, aligning technology, data, processes, and people. Specifically, they act as a strategic ally who:  1. **Diagnoses the** company's **level of digital maturity**.  2. **Designs a roadmap** aligned with business objectives.  3. Implements **scalable solutions** (SaaS, APIs, cloud) that bring that strategy to life. 4. **Trains internal teams to operate and evolve in the new environment.** ## **Types of digital consulting** **Digital consulting covers multiple specialized areas that must function in an integrated manner. The main areas of work in which digital consulting firms operate are detailed below:** #### **1\. Optimization of the digital registration and onboarding process** **The first contact is a critical moment that defines the future relationship with the customer. Consulting helps design [digital onboarding](https://www.tecalis.com/blog/digital-onboarding-customers-employees) and frictionless user registration. KYC and KYB solutions, biometrics, and scalable API-based architecture are integrated. The goal is to eliminate operational friction through efficient architecture.** #### **2\. Digitization of customer acquisition** **Consulting automates customer acquisition to make the process smooth and profitable. It connects marketing tools with the integration of internal company systems. This ensures that information is managed with error-free technical and legal protection. The result is a system that automatically acquires more customers at a lower cost.** **3\. User experience and customer experience** **A high-value digital partner applies user-centered design (UCD) methodologies. Empathy maps, A/B testing, and behavior on customer portals are analyzed. This is key to optimizing onboarding processes and omnichannel [customer journeys](https://www.tecalis.com/blog/customer-journey-360-solutions). It ensures that every digital interaction is intuitive, useful, and memorable for the consumer.** #### **4\. Sales process transformation** **The consultancy modernizes sales teams through CRM and intelligent assistants. Transactional chatbots and sales [process automation (RPA)](https://www.tecalis.com/blog/process-autoamtion-types-rpa-bpm-what-is-how) are integrated. The main objective is to shorten the sales cycle and improve team productivity. Operational barriers are eliminated to achieve a much more efficient sales force.** #### **5\. Automation of contracting and electronic signatures** **Thanks to the eIDAS regulation, electronic signatures are fully valid and traceable.  Consulting firms implement electronic signature flows to close contracts securely in minutes. [Advanced electronic signatures](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) and document digitization streamline contracting. Administrative management time is reduced, allowing operations to be carried out with full legal validity.** #### **6\. Digital identity management and regulatory compliance** **In regulated sectors such as fintech and insurance, digital identification and privacy are top priorities. Partners help comply with the [GDPR](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) and international security standards. Protocols are adopted to ensure the full legal validity of each digital operation. This guarantees a secure corporate environment to operate with confidence in the market.** ## **Marketing, sales, and user experience: key areas of digital consulting** **Digital consulting has a direct and measurable impact on three critical areas of business: marketing, sales, and user experience.** #### **Conversion-oriented digital marketing** A digital partner transforms generic campaigns into hyper-personalized strategies through: * **Key tools:** Behavioral data, dynamic segmentation, and generative AI. * **Optimization processes: Through CDP and [CRM](https://www.tecalis.com/products/customer-hub-sales/contracting-sales-post-sales-conversion-tools) integration, lead capture, content automation, and advanced multichannel attribution are optimized.** #### **Digital sales and business processes** **Digitization** eliminates bottlenecks to reduce **sales cycles** and automate offers through **intelligent workflows** and specialized **SaaS solutions**. * **Scalability and security:** Through the integration of **APIs** and [**electronic signature**](https://www.tecalis.com/blog/electronic-signature-spain-find-solution-regulation-companies) flows, it is possible **to scale the business** and activate services in minutes with **full legal validity**. * **Business impact: This architecture allows customers to receive, sign, and manage their contracts independently, improving conversion rates without increasing equipment.** #### **User experience as a competitive advantage** The **consultancy** applies **cognitive psychology, accessibility, and emotional design** to create interfaces that generate loyalty and satisfaction. * **UX methodology:** Using **legal UX** principles, workflows are simplified by eliminating unnecessary steps and ensuring that every interaction works. * **Strategic value: This approach transforms the experience into a strategic business driver that prevents abandonment and maximizes retention.** ## **What a high-value digital consulting firm should offer** To select the **right partner**, it is essential to evaluate criteria that guarantee an effective and measurable transformation of the organization. Choosing a **digital consulting firm** should not be based solely on price or size, but on its **actual ability to generate impact and scale the business**: * **Strategic vision and long-term approach**: A high-value consulting firm understands the business, the sector, and trends. It does not propose one-off solutions, but rather **sustainable digital strategies**. * **Ability to combine services and SaaS products**: The best consultancies not only offer tailor-made services, but also **their own SaaS products** that accelerate implementation, reduce costs, and minimize risks. * **Results and metrics orientation: The focus is not on the project, but on the result: efficiency, growth, conversion, cost reduction, and improved experience.** ### **Experience in digital architecture and scalability** **Technical debt** from quick fixes is a critical risk that slows growth. An expert consultant must design **digital architectures** that avoid total rebuilds by: * **Cloud and hybrid architectures**: Designing flexible infrastructures that combine the cloud with **legacy system integration** to ensure a **smooth technological transition.** * **Microservices and APIs**: Implementation of systems based on **independent services** that allow agile scaling of performance according to market demand. * **Modular design**: Creating **interchangeable components** that facilitate platform evolution without compromising the overall stability of the digital ecosystem. * **Security and resilience: Application of robust protocols to ensure that the platform grows without collapsing, maintaining operational integrity in any scenario.** ### **Digital transformation for companies and businesses: how to choose** Given market volatility and **regulatory changes,** it is vital to have a **digital partner** who masters the regulatory and technical trends that will define the European market in the coming years: * **Implementation of European Digital Wallets (**[**EUDI)**](https://www.tecalis.com/blog/eudi-digital-identity-eu-wallet-eidas2-eidas-2-application)**:** These wallets allow instant and sovereign verification of **identity attributes**. Their integration eliminates forms, reduces **fraud**, and optimizes the **user experience** under European standards. * **Evolution towards** [**eIDAS 2.0**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet)**:** This regulation requires the adoption of **decentralized** and **interoperable identity** systems throughout the common market. A strategic partner ensures that your architecture is compatible with these nodes to avoid technical exclusion. * **New** [**Digital Identity**](https://www.tecalis.com/blog/what-is-electronic-identification-digital-banking-fintech-systems-applications-companies-kyc-onboarding-certificates) **and Authentication Standards:** The transition to protocols such as **FIDO2** and **passive biometrics** replaces passwords with more secure methods. These standards protect infrastructure against advanced cyberattacks, improving customer trust and retention. * **Disruptive Changes in KYC/KYB through AI:** Identity verification using artificial **intelligence** analyzes biometric patterns in real time with complete legal accuracy. It allows for the automation of AML compliance without creating friction in user onboarding. * **Data and Privacy Regulations:** Modern consulting must integrate **data ethics** and **algorithm explainability** in accordance with the new **AI Act.** Transparent governance is essential to mitigate legal risks and build a trustworthy brand. ### **Process optimization and automation (RPA)** **Modern consulting** implements **RPA** to automate **low-value tasks**, reducing **costs and** manual **errors** in data management. This innovation increases productivity, freeing up human talent for higher-value strategic functions. To achieve this, a specialized consulting firm identifies automatable processes in critical areas such as: * **Client onboarding and document verification:** Automation of the intake flow and identity validation for immediate activation. * **Contract management:** Digitization and tracking of contracts to ensure smooth signing and filing processes. * **Operational back office:** Optimization of internal administrative tasks to streamline daily operations and improve efficiency. * **Reporting and compliance:** Automatic generation of reports and regulatory control to ensure transparency and legal certainty. ### **Security, compliance, and trust in the digital partner** Security and regulatory compliance are not optional, but critical to business continuity. A high-value digital partner must demonstrate its commitment by applying international frameworks and current regulations, such as: * **eIDAS:** To ensure the cross-border legal validity of electronic signatures and transactions. * **GDPR:** To ensure the ethical and secure processing of personal data. * **ISO 27001:** As an international standard for information security management. * **QTSP certification:** The highest distinction of technical and legal reliability in the European Union. * **Cybersecurity Protocols: Implementation of audits and proactive defensive measures.** ## **Why does internal digital transformation fail?** Many organizations attempt to tackle digital transformation internally, with limited results. The main difficulties of _in-house_ development are: * **Overloaded IT departments:** The burden of daily maintenance prevents the technical team from focusing on innovation projects with the necessary agility. * **Lack of strategic vision:** Internal management tends to prioritize short-term solutions, losing sight of the overall perspective of digital market trends. * **Long development times:** The absence of agile methodologies and standardized processes often delays the launch of minimum viable products to market. * **Difficulty scaling:** Custom-built in-house solutions often lack the architecture necessary to support massive user growth. * **High technical debt:** Quick decisions and a lack of architectural planning result in rigid systems that require costly rebuilds in the future. * **Resistance to change: Cultural inertia within the organization itself hinders the adoption of new workflows and disruptive tools.** #### **Advantages of choosing a partner with its own SaaS** **Opting for expert consultants who already have proven SaaS (Software as a Service) products is much more efficient. These solutions allow you to:** * **Reduced time-to-market:** Launch products or services in weeks, eliminating development cycles that last years. * **Maintenance included:** The consulting firm assumes responsibility for constant updates and technical security. * **Focus on the business:** Your team focuses exclusively on selling and growing, without having to manage incidents related to your own infrastructure. * ****Guaranteed scalability**: Architecture designed for growth.** ## **Assess the real impact: ROI and efficiency in digital consulting** **A valuable digital consultancy must demonstrate its impact. Some key KPIs for measuring ROI include:** * **Reduced processing times:** Optimizing internal workflows allows critical tasks to be executed in minutes, eliminating unnecessary waiting times for the end customer. * **Increased conversion:** Improving the user experience and sales funnels ensures that a higher percentage of leads become actual customers. * **Decreased operating costs:** Automating repetitive tasks through RPA dramatically reduces the expense associated with manual management and human error. * **Increase in digital customers:** A well-executed strategy facilitates the acquisition and mass onboarding of users through 100% digital and scalable channels. * **Improved NPS and satisfaction:** Customer-centric design raises brand perception, which translates into greater loyalty and positive recommendations. * ****Time to market:** Reducing the launch time for new products allows the company to react quickly to market demands and gain a competitive advantage.** **In addition, it must provide real-time dashboards that allow management to monitor the impact of the investment. High-value digital consulting does not just implement: it continuously measures, analyzes, and optimizes.** ## **Boost your business with Tecalis digital consulting** **Tecalis is a leader in strategic digital consulting, helping companies transform their processes, business models, and digital experiences in a secure, scalable, and user-centered way.** ### **Comprehensive support throughout the digital cycle** **At Tecalis, we are the strategic partner that accompanies organizations throughout their digital lifecycle so they can lead their sector. We offer comprehensive support that combines strategic vision and technical execution through:** * **Digital maturity diagnosis:** We analyze the current state of your organization to identify bottlenecks and opportunities for improvement in your digital flows. * **Digital strategy definition:** We draw up a personalized roadmap that aligns your business objectives with the most advanced technological capabilities. * **Technology architecture design:** We create robust and scalable systems that enable the company to grow without generating technical debt. * **SaaS solution implementation:** We deploy rapidly adoptable cloud tools that enable immediate operational transformation. * **Process automation:** We identify and automate critical tasks to increase productivity and reduce human error. * **Digital identity and electronic signature:** We integrate trusted solutions that allow you to close deals and verify users in seconds. * **Regulatory compliance and security:** We ensure that every process complies with the most demanding standards (eIDAS, GDPR, ISO 27001). * ****Proprietary technology and results-oriented approach**: We do not depend on third parties; we develop our own technology to ensure that every efficiency KPI is met.** ### **Digital acceleration through proprietary product technology** Thanks to our approach based on internal product development, at Tecalis we eliminate the complexity of slow and costly _ad hoc_ projects. We accelerate business transformation through advanced, ready-to-use solutions in critical areas: 1. **Electronic signature:** Versatile solutions such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) that enable legal contracting anywhere and on any device. 2. **Digital identity:** Real-time identity verification using biometrics and advanced OCR technology with [**Tecalis Identity**](https://www.tecalis.com/products/identity-verification)**.** 3. **Automation:** Rule engines that streamline the most complex workflows integrated into [**Customer Hub**](https://www.tecalis.com/products/customer-hub-sales)**.** 4. **Digital onboarding:** Fast, secure, and frictionless customer onboarding processes to maximize conversion. 5. **Critical process management: End-to-end digitization of operations that require a high level of integrity and auditing.** --- ## Sales channels: top tips and automation tools to improve your conversion **URL:** https://www.tecalis.com/blog/sales-channels-automation-best-marketing-conversion **Descripción:** Optimize your sales channels with automation and omnichannel marketing. Reduce friction, ensure compliance, and improve conversion with digital identity. **Sales channels** are no longer simple distribution channels; they have become **complex technological ecosystems.** Accelerated digitization and new security regulations have transformed the way companies interact with their customers. It is no longer enough to be present on multiple platforms; the key to success lies in **channel integration** and **eliminating friction** at the point of contact. This article takes an in-depth look at the world of **marketing channels**, from traditional models to the most disruptive **digital strategies**, with a special focus on how automation and **regulatory compliance** can boost your **conversion rates.** ## **What are sales channels** **Sales channels** are the set of media, platforms, and agents through which a company makes its products or services available to the end consumer.  When we talk about **a marketing channel**, we are referring to the entire journey that a product or service takes from the company to the customer, including: * Lead capture. * Commercial interaction. * Contracting process. * Identity validation and regulatory compliance. * Contract signing. * Customer registration and service activation. ### **Selling a product vs. designing an integrated sales ecosystem** Selling a product is a transactional action. Designing an **integrated sales ecosystem** is a strategic decision. While traditional sales focus on exchange, the ecosystem seeks **omnichannel capabilities**, which involve:  * **Multichannel architecture**: Deliberately selecting and combining different channels to cover different market segments and moments in [**the customer journey.**](https://www.tecalis.com/blog/customer-journey-360-solutions)  * **Systemic integration:** Connecting these channels to each other so they share information in real time (inventory, customer data, purchase history), offering a consistent experience no matter where the customer interacts. * **Automation and efficiency:** Implementing technologies that automate repetitive tasks (onboarding, contract signing, notifications) to speed up the sales cycle and reduce errors. * **Focus on customer experience**: Put the customer at the center, ensuring that every interaction on any channel is seamless, personalized, and adds value, transforming a purchase into the beginning of a long-term relationship. * **Integrated regulatory compliance from the outset**: Ensure that every channel and automated process complies with data protection ([**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business)) and financial security regulations. Companies that design their channel strategy in this way achieve **higher conversion rates, lower acquisition costs, and greater customer loyalty.** This ecosystem is a necessity to compete in a market where **agility, personalization, and user experience** are decisive factors in purchasing. ## **Types of sales channels: from the traditional model to the digital age** **The types of sales channels have evolved enormously in recent years. Today, traditional models coexist with digital and online sales channels, which allow businesses to scale up and measure each interaction.** ### **Traditional sales channels** **Traditional sales channels have been the basis of business growth for decades and remain relevant in many sectors.** #### **Direct channels** **This category includes the internal sales force, company-owned stores, door-to-door sales, and events such as trade shows, which are crucial for B2B networking. Although they guarantee complete control over brand image and margins, they present challenges in terms of operating costs, limited scalability, and complexity in measuring attribution.** #### **Indirect channels** **This includes the network of distributors, wholesalers, retailers, agents, and strategic partners. While the indirect channel is essential for scaling geographic reach and penetrating new markets, it leads to a dilution of control over the final customer experience and critical stages of the sales process.** ### **Digital and online sales channels** **Online sales channels** have radically transformed the way we sell. They allow us to reach more customers, automate processes, and measure each point in the funnel. Among the most relevant are: * **Own e-commerce**: The brand's online store, where it has control over data and the experience. It requires continuous investment in development, marketing, and logistics. * **Marketplaces or online markets**: These function as large digital shopping centers with massive traffic, ideal for attracting customers in the discovery phase. * **Social commerce**: Direct sales through social media that leverage social momentum and recommendations. * **Online sales channels for services:** Subscription platforms and self-activation portals where customers manage their own registration. In the B2B arena, Gartner estimates that [**80% of complex purchases will be initiated on digital channels by 2027.**](https://www.gartner.com/en/sales/trends/future-of-sales) ## **How to design an effective sales channel strategy** A well-designed **sales channel strategy** must be based on an in-depth analysis of the customer, the product, and the regulatory context. Its design should follow these steps: * **Know the customer and their behavior:** Where do they look for information? Which channel do they prefer to use? What friction do they encounter in the process? * **Define the optimal channel mix**: Not all products need all channels. The goal is to combine: acquisition channels, conversion channels, and support channels. * **Design the complete customer journey:** From the first impact to the signing of the contract and the activation of the service. * **Automate critical processes:** lead registration, identity verification, electronic signature, and certified communication. * **Measure, optimize, and scale**: A channel strategy is a living process that must evolve with real data. A modern strategy designs a hybrid model where the customer can jump between physical and digital channels without having to repeat information or lose track of their purchase. ## **Channel integration and automation for an omnichannel experience** The true power of modern marketing channels comes from their technical integration. The use of [**BSS/OSS**](https://www.tecalis.com/blog/oss-bss-operational-and-business-support-systems-what-is-difference-telecommunications) **(Business/Operations Support Systems)** architectures allows business and operational flows to talk to each other. When a company implements a **Customer Hub**, it unifies the user's identity across all channels:  * **Unique identity and 360° view:** Consolidation of data in a central repository (**CRM**) and [**digital identity**](https://www.tecalis.com/blog/what-is-electronic-identification-digital-banking-fintech-systems-applications-companies-kyc-onboarding-certificates) **and KYC solutions** so that the user profile is instantly recognized at any point in the ecosystem, eliminating information silos. * **Process continuity and transactional agility:** Optimization of workflows through [**digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **platforms** that allow processes initiated in one channel to be synchronized and completed in another without data loss or duplication of steps. * **Operational omnichannel and legal security: Integration of processes where identity validation at a kiosk is valid for a subsequent advanced or qualified [electronic signature](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) from a mobile device, backed by certified communication systems.** ### **Eliminating friction in the online sales channel** Abandonment in the online purchasing process is often due to **tedious registration procedures** that create critical friction for conversion.  Leading companies combat **this by completely digitizing customer onboarding** using technologies that transform bureaucracy into a totally seamless experience. These are: * **Remote identity verification (**[**KYC**](https://www.tecalis.com/blog/kyc-form-document-requirements-account-know-your-customer-client-bank-financial-data)**):** Validates customer identity in seconds using biometrics, document scanning (OCR), and video identification, ensuring a secure process that complies with current regulations. * **AML (Anti-Money Laundering) compliance:** Performs automatic checks against sanctions and PEP lists to prevent fraud and money laundering in a way that is transparent to the user. * **Digital contracting with electronic signature: Enables legally binding agreements to be concluded from any device in a matter of minutes, eliminating manual intervention and dramatically accelerating the sales cycle.** ### **Security and regulatory compliance** In regulated sectors (finance, telecommunications, energy, real estate, and [**utilities**](https://www.tecalis.com/blog/utilities-public-services-companies-energy-sector-infrastructure-industry-utility)), identity validation is mandatory. Regulatory compliance, more than a legal requirement, is a competitive advantage based on three key frameworks: * [**eIDAS 2.0**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet) **(EU Digital Identity Regulation):** Establishes levels of trust for identity and electronic signature services, ensuring the legal validity of transactions throughout the European market. * [**AML6 Directive**](https://www.tecalis.com/blog/sixth-aml-directive-6amld-eu-money-laundering-6-amld): Requires rigorous verification of customers (KYC) and beneficial owners (UBO) to prevent fraud and ensure financial transparency in every transaction. * **[GDPR](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business): Regulates the processing of personal data throughout the sales process, ensuring that user privacy is protected from the very design of the marketing channels.** ### **Automation of sales closure** Closing is the critical phase where advanced electronic signatures act as the **ultimate conversion engine.** Integrating this process directly into the _checkout_ flow allows agreements to be formalized instantly, eliminating waits and travel that often cool the purchase decision. * **Identification and validation:** The system automatically verifies the lead's identity through video identification or document reading ([**OCR**](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online)). * **Generation and signature:** A personalized contract is issued in PDF format for the customer to sign with a qualified electronic signature ([**QES**](https://www.tecalis.com/blog/qualified-electronic-signature-qes-recognised-certified-certificate-advanced-devices-centralized-eidas-companies)) from any device. * **Closing and registration:** A certified copy is sent to the customer and the transaction is recorded in the CRM, completing in 2 minutes a cycle that previously took days. **Legal guarantee:** The use of _Trust Services_ under the eIDAS regulation generates legal traceability and irrefutable evidence in any court of law. ## **Tips for improving your conversion rate on any channel** Regardless of the channel, there are cross-cutting tactics that optimize performance and allow the **sales channel strategy** to be truly scalable and efficient: * **Personalization of the journey:** Use CRM data to offer specific offers based on previous behavior. * **Real-time response:** Multichannel support (AI chatbots, integrated human support) reduces buyer hesitation time. * **Form simplification:** Each additional field on a registration form reduces conversion by 10%. Automation using **OCR** to extract data from identity documents saves the user time. * **Use of [Trust Services](https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas): Displaying trust seals and using recognized trusted service providers creates the security needed to complete high-value transactions.** ## **Automation tools to boost your marketing channels** To scale, technology is non-negotiable. These are the tools that define leading sales companies and how Tecalis solutions facilitate this transformation: * **Interactive Kiosks:** Ideal for physical-digital hybridization. They allow customers to carry out complex contracting processes autonomously at physical points, with identity validation and signature integrated into the terminal itself. * **Digital Onboarding Systems:** Platforms that automate KYC and [**KYB**](https://www.tecalis.com/blog/kyb-know-your-business) for B2B closings, performing biometric verifications, document scanning, and sanctions list checks in milliseconds. * **Contracting and** [**Electronic Signature**](https://www.tecalis.com/blog/electronic-signature-spain-find-solution-regulation-companies)**:** Facilitates legally binding sales closures through advanced and qualified signatures, including [**Certified Communication**](https://www.tecalis.com/products/certified-communication) to ensure the legal validity of each notification and interaction with the customer. * **All-in-One Platforms:** Centralize the management of multiple channels in a single interface. This allows for a 360º view of the customer and agile operations that unify data, processes, and documents in a single ecosystem. ## **How to optimize conversion in B2B sales channels** In the B2B environment, the complexity of transactions and compliance requirements often prolong sales cycles. Tecalis transforms this scenario **by eliminating bureaucratic friction through a technological architecture** that connects customer acquisition with legal closure in an uninterrupted flow. Conversion optimization is based on four strategic pillars: #### **Accelerating B2B Onboarding with Tecalis Identity** **[Tecalis Identity](https://www.tecalis.com/products/identity-verification)** automates the verification of powers of attorney and **KYB (Know Your Business)**. By immediately validating the identity of legal representatives and ultimate beneficial owners (UBOs), **days of waiting in the validation phase are eliminated**, allowing the business relationship to begin instantly. #### **Immediate and Binding Closing with Tecalis Sign** The use of **advanced and qualified electronic signatures** under the eIDAS standard with [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) allows complex contracts to be formalized from any device. This prevents **sales from cooling off and ensures that each agreement has complete legal traceability** and irrefutable evidence. #### **Physical Omnichannel with Tecalis Kiosks** This **[Tecalis Kiosks](https://www.tecalis.com/products/kiosk-terminal-interactive-identity-self-service-atm-pos)** solution allows the power of digital onboarding to be transferred to physical environments. Using interactive terminals, B2B customers can **independently** carry **out registration, identity validation, and contract signing processes** at trade shows, events, or headquarters, reducing waiting times and operating costs. #### **Centralized Management in the Customer Hub** By unifying all points of contact, from the sales force to strategic partners, in the [**Tecalis Customer Hub**](https://www.tecalis.com/es/productos/customer-hub-ventas), companies gain a 360º view of the customer. This ensures that information flows without silos, allowing any agent to retrieve processes initiated in other channels and close the transaction with complete agility. With this approach, **Tecalis** not only ensures regulatory compliance, but also drastically reduces operating costs and improves the success rate in converting corporate leads. --- ## Best KYC Software: Features, Differences, and Tools **URL:** https://www.tecalis.com/blog/best-kyc-software-identity-verification **Descripción:** Everything about KYC software: features, types, and differences between the best identity verification and AML solutions. The digitization of financial services, the rise of fintech, global marketplaces, and the digital economy have made **identity verification** and **regulatory compliance** strategic pillars for any company operating online. In this context, **KYC (Know Your Customer) software** has established itself as a key tool for preventing fraud, complying with AML/KYC regulations, and providing secure and frictionless user experiences. Today, choosing the best **identity verification software** is not just a matter of legal compliance, but a decision that directly impacts conversion, scalability, and customer trust. In this article, we take an in-depth look at **what the KYC process is**, why automated solutions are essential, what types of **KYC solutions** are available on the market, and what the key criteria are for choosing the right tool for your business. ## **What is the KYC process?** **The KYC** (_Know Your Customer_) **process** is a **set of mandatory procedures used by financial institutions, fintechs, cryptoasset companies**, and other regulated entities to verify the identity of their customers before, during, and after the start of a business relationship. Its main objective is **to prevent fraud, money laundering (AML)**, terrorist financing, and other financial crimes. This process includes, among other aspects: * [**Identifying the customer**](https://www.tecalis.com/blog/know-your-client-kyc) using official documents. * **Verification of the authenticity** of these documents. * **Biometric verification** of the user. * **Analysis of sanctions lists**, PEPs, and watchlists. * **Continuous assessment of customer risk.** In regulated sectors such as **banking, fintech, insurance, crypto assets, online gaming, and telecommunications**, KYC is not optional: it is a mandatory legal requirement. However, more and more unregulated companies are also implementing [**identity verification**](https://www.tecalis.com/blog/identity-verification-kyc-aml) **software** to protect their platforms and users. ## **Why is KYC software necessary?** **Regulatory complexity, the growth of digital fraud, and the need to offer fast onboarding processes have made manual KYC unfeasible in most cases. This is where KYC software comes in, automating, standardizing, and optimizing the entire verification process.** ### **The evolution of KYC verification** Traditionally, [**KYC**](https://www.tecalis.com/blog/kyc-know-your-customer) was done manually: reviewing physical documents, human checks, phone calls, and internal validations. **This model presents multiple problems:** * High operating costs. * Slow processes (days or weeks). * High rate of human error. * Poor user experience. * Limited scalability. **With digitization came automated KYC solutions, capable of verifying identities in minutes or even seconds, using technologies such as [OCR](https://www.tecalis.com/blog/ocr-optical-character-recognition-what-is-best-free-systems-users-business-text-online), facial biometrics, artificial intelligence, and machine learning.** ### **Cost of manual KYC vs. ROI of automation** Various industry studies estimate that comparing the **cost of manual KYC with the ROI of automation** shows clear advantages in terms of **operational efficiency, cost reduction, and regulatory compliance:**  * A manual KYC process can cost between **€30 and €150 per customer.** * Automated KYC reduces this cost by up to **70%.** * Automation improves onboarding conversion by up to **30-40%.** * It significantly reduces fraud and regulatory fines. **The return on investment (ROI) of implementing KYC software translates into lower costs, greater security, and a better customer experience.** ## **Functions of an identity verification system** **Modern identity verification software must cover multiple layers of control and compliance. The most relevant features include:** * **Verification of identity documents**: ID card, passport, driver's license, residence permits, etc. * **Data extraction and validation (OCR):** Automatic reading of information and detection of tampering. * **Biometric verification**: Facial comparison between document and user selfie/video. * ****Liveness detection**: Prevention of attacks using photos, videos, or deepfakes.** * [**AML screening**](https://www.tecalis.com/blog/sixth-aml-directive-6amld-eu-money-laundering-6-amld): Checking against sanctions lists, PEPs, blacklists, and international watchlists. * [**KYB (Know Your Business)**](https://www.tecalis.com/blog/kyb-know-your-business) **modules** to validate companies, beneficial owners, and shareholding structures. * **Risk management and** [**scoring**:](https://www.tecalis.com/blog/credit-score-banking-scoring-check-bank-what-is-loan-types-improve) Dynamic assessment of customer risk level. * **Auditing and traceability:** Complete record for regulatory inspections. * [**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) **compliance and data protection**: Secure management of sensitive information. * **Continuous monitoring** of customers based on changes in their profile or suspicious activities. These features are the basis of any competitive and scalable **KYC software**. ## **Key criteria for evaluating KYC software** Not all KYC solutions are the same. To make the right choice, it is essential **to evaluate a series of key criteria that impact both compliance and daily** business **operations**. Main criteria to consider:  * **Advanced biometric verification:** Facial recognition, passive and active liveness detection, resistance to deepfakes**.** * **Comprehensive AML/KYC regulatory compliance management:** Coverage of local and international regulations, constant regulatory updates. * **Global document coverage:** Ability to verify identities from multiple countries. * **Easy integration via API**: Rapid implementation in apps, websites, and internal systems. * **Frictionless user experience:** Fast, intuitive, and mobile-first onboarding. * **Scalability and performance**: Ability to handle user spikes without losing accuracy. * **Accuracy and reduction of false positives**: Key to not blocking legitimate customers. * **Support and customization:** Adaptation to business flows and needs. **Good identity verification software must balance security, compliance, and user experience.** ## **Types of KYC solutions on the market: Which one suits your business?** **The market offers different types of KYC solutions, each geared toward specific needs. In general, we can classify them as follows:** * ****Basic KYC solutions**: Focused on document verification and simple identity validation.** * ****KYC + AML platforms**: Integrate identity verification with screening against sanctions lists and PEPs.** * ****Advanced biometric KYC solutions**: With a strong focus on facial recognition, liveness, and anti-fraud.** * [**Digital onboarding**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) **platforms:** Include KYC as part of a complete customer onboarding flow. Choosing the right type of KYC will depend on the sector, user volume, applicable regulations, and risk level. **The key is to identify the risk level of your business, the volume of customers to be verified monthly, and the jurisdictions in which you operate.** ## **Tecalis: a unified platform that covers all types of KYC verification** **In an ecosystem where tool fragmentation creates inefficiencies, Tecalis positions itself as a unified digital verification platform that goes beyond traditional KYC to cover the entire onboarding, authentication, and secure operation cycle.** ### **Main modules and tools** * **Identity Verification (KYC/KYB/AML) – Digital Onboarding: Combines advanced OCR, biometric verification with certified _liveness detection_, and automatic checks against more than 1,200 global lists (SEP, sanctions, restrictive lists). Supports more than 2,500 types of documents in more than 190 countries.** * [**Strong authentication**](https://www.tecalis.com/blog/sca-strong-customer-authentication) **and secure access:** Implements MFA (Multi-Factor Authentication), SCA (Strong Customer Authentication according to [**PSD2**](https://www.tecalis.com/blog/psd2-regulation-directive-what-is-payments-online-internet-compliance-regulations-sca)), and behavioral biometrics for secure continuous sessions. Identity theft prevention. * **Extended capabilities: from KYC to digital closing:** Unlike pure KYC providers, Tecalis integrates qualified electronic signature ([**eIDAS**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet)), time stamping, document custody, and GDPR consent management—all in a single flow. This allows, for example, **a customer to register, verify their identity, sign a contract, and access their account, all in less than 3 minutes.** ** This approach allows companies to centralize all layers of digital trust on a single platform. Furthermore, this holistic vision not only complies with AML/KYC, but also turns compliance into a competitive advantage: higher conversion, lower abandonment, and greater user trust.** ## **Key advantages of Tecalis KYC tools** Adopting Tecalis as a strategic KYC software provider allows organizations **to radically transform their identity verification and risk management processes**. The main benefits of using Tecalis as **KYC software** include: * **All-in-one approach:** KYC, AML, biometrics, authentication, and digital signature in a single solution. * **Advanced technology:** Artificial intelligence, machine learning, and state-of-the-art biometrics. Proprietary facial recognition algorithms with \>99.5% accuracy and a false positive rate <0.3%. * **Global regulatory compliance:** Adaptation to international and local regulations (eIDAS, GDPR, PSD2, [**AML6**](https://www.tecalis.com/blog/6amld-6-amld-aml-sixth-eu-regulation-money-laundering-prevention) certifications). * **Excellent user experience**: Fast, intuitive, and frictionless onboarding. * **Flexibility and customization**: Configurable flows according to sector and risk. **High accuracy and security**: Reduction of fraud and false positives. ## **Recommended use cases based on company size or sector** **The use cases for KYC software depend on the sector and size of the company, as each industry has different levels of risk, identity verification requirements, and AML/KYC compliance obligations. The main ones are:** * **Fintech and digital banking:** remote onboarding, strict AML/KYC compliance. * **Cryptoasset and Web3 companies:** robust verification and fraud prevention. They must comply with emerging regulations ([**MiCA**](https://www.tecalis.com/blog/mica-law-regulation-european-markets-crypto-assets-stablecoins-tokens) in the EU). * **Insurance and telecommunications companies:** digital customer onboarding and identity validation. They require light but secure verification. * **Marketplaces:** buyer and seller verification. * **Enterprise companies:** mass identity and access management * **Public administration and digital services: use the platform for sovereign digital identity, access to public services, and signing documents.** ## **How to choose the ideal KYC solution for your business** **Choosing the right KYC software requires strategic analysis. It's not just about complying with the law, but about finding a solution that aligns with your business objectives.** ### **Practical decision-making guide** **Selecting the right provider requires strategic analysis that aligns technical capabilities with your organization's growth objectives. To facilitate this process, it is necessary to consider the following fundamental criteria before making a decision:** 1. **Analyze your risk level and regulatory sector**: Do you operate in high-risk sectors such as crypto, payments, or banking? Then you need EDD and dynamic monitoring. 2. **Define your user volume and target countries**: If you verify \>10,000 customers/month, look for solutions with scalable rates and high availability (SLA >99.9%). 3. **Evaluate geographic coverage:** If you serve customers in Latin America, make sure the software recognizes ID cards from Ecuador, Mexico, Colombia, etc. 4. Prioritize the desired user experience: Conduct real tests with end users. Good KYC should not feel like a "formality," but rather a layer of trust. 5. **Prioritize scalability and automation**: Choose KYC software that can grow with your business and automate identity verification without compromising accuracy or user experience. 6. ****Consider the total cost of ownership (TCO)**: Analyze the overall cost of the solution, including licenses, integrations, support, maintenance, and long-term regulatory compliance.** ### **Key questions to ask before deciding on a provider** Before selecting a KYC software provider, it is essential **to analyze a series of strategic questions** that will allow you to align the identity verification solution with your operational, regulatory, and business growth needs. Some of these questions are:   * What is my budget per verification? * What volume of verifications do I expect monthly? * What specific regulations must I comply with? * Do I operate in sectors subject to specific regulations? * How many users do I verify per month? * Do I need KYC, KYB, or both? * What level of biometrics do I require? * Does the solution integrate easily with my systems? Answering these questions makes it easier to make the right choice. ## **Future trends in KYC solutions** **The future of AML KYC compliance is marked by technological innovation and regulatory evolution. Main trends:** * **Predictive artificial intelligence:** systems will not only verify identities, but also predict risky behavior by analyzing transactional and digital patterns. * **Greater use of multimodal biometrics:** combination of facial, voice, and behavioral (typing, scrolling) recognition for continuous authentication. * **Sovereign Digital Identity (SSI)**: users will have full control over their data through digital wallets (such as those proposed in the European EUDI Wallet framework). Companies will not store data, but will verify verifiable credentials issued by trusted entities. * **Regulatory interoperability:** progress will be made towards global KYC standards (such as the model proposed by the [**Global Legal Entity Identifier Foundation**](https://www.legalidentifier.com/gleif/)). * **Real-time and collaborative KYC:** platforms will share (with consent) verified data between entities, reducing process repetition (shared KYC).  **These innovations transform KYC from a mandatory cost into a strategic lever: it improves customer trust, reduces fraud, and accelerates digital transformation. ** ## **Conclusion** Investing in good **KYC software** is no longer just a regulatory obligation. It is a **strategic investment** in security, operational efficiency, and customer trust. Companies that are committed to advanced **identity verification**, **biometric verification**, and **regulatory compliance management** solutions are better prepared to compete in an increasingly demanding digital environment. **A comprehensive approach, such as that offered by unified platforms like Tecalis, allows KYC to be transformed from a simple legal requirement into a real competitive advantage.** --- ## Handwritten Signatures: A Complete Guide to Legality and Digitization **URL:** https://www.tecalis.com/blog/handwritten-signature-legality-digitization **Descripción:** Discover what a handwritten signature is, its legal validity, differences with digital signatures, and how to digitize it with complete security. In a world where most procedures are carried out online, **handwritten signatures remain a key legal element.** Although it may seem like an obvious concept, **its definition, legal validity, and relationship with digital signatures often raise questions.** This article provides a clear and up-to-date explanation **of what a handwritten signature is, when it is valid, how it differs from a digital signature, and what happens when a signature on paper is digitized**. ## **What is it and what is it for?** **A handwritten signature is the unique and personal mark that a person draws on a physical document to express their will, consent, or authorship.**  It is made with ink on paper (or other physical medium) and usually includes a combination of letters, symbols, or strokes characteristic of the signer. Its main purpose is **to identify the author of the document and demonstrate their binding intention** regarding its content. From a legal and forensic perspective, it serves **three essential functions:** 1. **Identification**: it allows the person signing to be recognized. 2. **Authentication:** it demonstrates that the signer has read and accepts the terms of the document. 3. **Non-repudiation:** it prevents the signer from subsequently denying having performed the act. Legally, a handwritten signature is valid evidence in court proceedings, administrative procedures, and civil contracts, provided that:  * It has been made with conscious intent. * The medium is stable and legible. * There are no subsequent unauthorized alterations. In the European Union, the **eIDAS Regulation (No. 910/2014)** does not invalidate handwritten signatures, but establishes a parallel framework for electronic signatures. By default, if a regulation does not explicitly require a qualified electronic signature, the **handwritten signature remains fully valid** (Article 25.1 eIDAS). ### **Types of handwritten signatures and when they are used** There are three main types of [**handwritten signatures**:](https://www.tecalis.com/blog/handwritten-signature-generator-how-to-create-maker) **full name signature** (most secure), **initials** (abbreviated), and **sign or mark** (for people who cannot write). Their validity depends on the legal context and the consensus between the parties: * **Signature with full name**: This is the most formal and secure method. Includes first and last names. Recommended for high-value contracts, notarial acts, and complex legal documents. * **Initials:** This is an abbreviated or stylized signature, often consisting of initials, strokes, or personalized symbols. It is commonly used in official correspondence or repetitive documents, but its legal validity depends on the context and prior agreement between the parties. * **Signature with a sign or mark**: Used when a person cannot write, they can use a cross, fingerprint, or any other identifiable sign. In these cases, it must be accompanied by the presence of witnesses or a competent authority, according to the legislation of each country. The traditional handwritten signature has critical limitations: **it is not immediate, it can be forged, it is difficult to verify without expert analysis, and its physical medium is fragile** because it can deteriorate, be lost, or be damaged. These limitations have driven the development of digital alternatives, but they have also raised new questions about their digitization and legal validity. ### **Differences between handwritten signatures and digital handwritten signatures** The main differences between the two methods **lie in the nature of the medium used and the technical security guarantees** that each can offer. While one relies on traditional graphology, the other relies on technological infrastructures to ensure legal validity in the digital environment. #### **Handwritten signature** * It is made by hand on paper.  * Its authenticity is verified by experts. * Does not guarantee the integrity of the document.  * Does not allow remote signing. #### **Handwritten digital signature** * It is done on digital documents.  * It uses digital certificates and cryptographic techniques.  * It allows identity and integrity to be verified automatically.  * Suitable for remote signing. * Complies with regulations such as [**eIDAS**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet)**.** The **handwritten digital signature**, when designed correctly, integrates: * Real-time **biometric capture** via touchscreens or tablets. * **Advanced electronic seal** linked to a digital certificate. * **Cryptographic hash** to guarantee document integrity. * **Legal metadata such as timestamp, IP, geolocation, and digital fingerprint.** **Inserting a scanned image of a [**signature into a PDF**](https://www.tecalis.com/blog/how-to-sign-pdf-digitally-electronically-signature-electronic-digital-document-signing-word-iphone) does not constitute a valid handwritten digital signature, but rather a simple visual representation with no binding legal value. This error is very common and can have serious legal consequences.** ## **Legal validity of handwritten signatures: uses, limitations, and digitized signatures** **Handwritten signatures are legally valid in almost all legal systems, including Spanish, European, Latin American, and North American law. However, a scanned copy of a handwritten signature does not replace the physical original and does not have full legal validity in procedures that require an original signature.** #### **Requirements for a handwritten signature to be legally valid (according to Spanish law and eIDAS):** **For a signature to be fully legally effective, it is essential that the process complies with a series of conditions that guarantee its authenticity. These are:** 1. **Manifest will of the signer**: they must have consciously wanted to sign. 2. **Clear identification:** it must be possible to unequivocally associate it with a person. 3. **Stable medium**: the document must be recoverable and legible over time. 4. ****Document integrity**: there must be no alterations after signing without consent.** **If a scanned copy is submitted, the original must be available upon request.** ### **When is a digitized handwritten signature valid?** This is where the most delicate nuance comes in. A document signed by hand and then scanned retains its legal validity provided that: * The **original physical version** is retained and can be presented if required. * **The digital copy is not intended to be used** as a legal substitute for the physical original. * **In contexts where the law requires an original handwritten signature** (e.g., holographic wills, certain notarial procedures, or acts of incorporation), a scanned copy is not sufficient. **On the other hand, if an electronic signature platform captures the handwritten stroke in real time and links it cryptographically to the document, then it is considered an advanced electronic signature with full legal validity, in accordance with the eIDAS Regulation.** ### **How is the authenticity of a handwritten signature verified?** Its authenticity is verified by **forensic handwriting analysis** to determine whether the signature was made by the person who claims to have made it. The most common **forensic verification methods** are: * **Morphological analysis**: shape, height, slant, strokes, and nature of the letters.  * **Dynamic analysis:** pressure, speed, and rhythm to detect whether the signature was made naturally or imitated. * **Comparison with authentic signatures**: multiple samples are analyzed to identify consistent patterns. * **Analytical support**: microscopy, ultraviolet light, ink analysis. This process is costly, slow, and subjective in some respects. For this reason, advanced electronic signatures (including [**handwritten digital signatures with biometrics**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses)) offer **immediate, objective, and secure verification through cryptographic protocols.** This eliminates the need for expert analysis. ## **Handwritten signature vs. digital signature: key differences** With the advancement of technology and the digitization of procedures, the use of digital signatures (or electronic signatures) has emerged strongly as an alternative to handwritten signatures. The differences between the two are not merely formal: **they affect security, legality, practicality, and usefulness in modern contexts.**  #### **When to use each one?** The choice between traditional and digital formats depends on both the specific legal context and the speed required for the transaction. Identifying the appropriate scenario allows you **to optimize processing times while maintaining maximum legal certainty.** * **Handwritten signature:** in notarial acts, holographic wills, documents where the law requires a physical signature, or when there is no access to technology. * **Advanced digital signature: in commercial, labor, financial, or administrative contracts, or any procedure that allows electronic means (which, in practice, is the vast majority in the EU and many Latin American countries).** ## **How to digitize your handwritten signature and use it in online documents** To digitize your handwritten signature with full legal validity, you must use an **advanced electronic signature platform** that captures your stroke geometrically and links it cryptographically to the document. Inserting a scanned image is not legally valid. **The correct way to digitize it is simple:** 1. **Capture the actual stroke** with a tablet or touch screen. 2. **Record biometric data** (pressure, speed, rhythm). 3. **The signature must be cryptographically linked** to the document.  4. **An electronic seal** and timestamp **must be issued**. 5. **The resulting document must be verifiable and unalterable.** **The step-by-step process is as follows:** **The step-by-step process is as follows:** 1. Access a **certified platform such as** [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature)**.**  2. Select the **handwritten signature option** using a pen or your finger. 3. **Sign on the screen** as you would on paper. 4. The platform automatically generates an **advanced electronic signature** in accordance with eIDAS. It does this using biometric capture (pressure, speed), an electronic seal, and a hash of the document or evidence record (timestamp, IP, geolocation). 5. **The document is sealed, unalterable, verifiable at all times**, and legally valid. **This method is not simply "inserting an image," but transforming your stroke into an electronic signature with full legal validity.** ### **How it is implemented in practice with Tecalis Sign** **Tecalis Sign** is a platform that allows handwritten signatures **(one of its main signature types)** with full legal validity through biometric capture and qualified certificates, without the user needing to have a prior digital certificate.  Unlike solutions that only insert images, **Tecalis has the following key features:** * It uses **biometric technology** to capture the stroke. * It uses **qualified certificates** to generate an advanced electronic signature. * It complies with the **eIDAS Regulation, the** [**GDPR,**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) and Spanish electronic signature standards. * It allows **real-time verification of the authenticity of the signer** and the integrity of the document. * It provides a **probative record with a timestamp, location, IP address, and digital fingerprint** of the document. Its unique advantage is that **it transforms handwritten strokes into an electronic signature with a higher legal status than a scanned signature**, without any technical complexity for the end user. ### **Use cases for handwritten signatures in current environments** Although most procedures allow digital signatures, **handwritten signatures are still mandatory and preferred in specific contexts** such as holographic wills, notarial deeds, or international procedures with apostilles. **Cases where handwritten signatures are required** include: * **Holographic wills:** in Spain and many other countries, these must be written and signed entirely by hand by the testator. * **Notarial deeds**: although they are being digitized, many still require a physical signature before a notary. * **Paper lease agreements:** in certain jurisdictions, if the parties choose physical media. * **Documents for foreigners:** in international procedures, a handwritten signature with legalization or apostille is sometimes required. However, in **90% of administrative and commercial procedures**, it is already possible to use advanced electronic signatures, including handwritten digital signatures with biometrics. #### **Cases where a digital (scanned) handwritten signature is not valid** It is essential to distinguish between a robust electronic signature and a simple digitized image, as the latter lacks the technical evidence necessary to protect against challenges. In certain **highly sensitive legal acts,** the law requires higher guarantees that a scanned signature cannot provide. These cases are: * Notarial contracts. * Company incorporation deeds. * Tax returns requiring a certified signature. * Wills (except in specific formats authorized by law). ##  **Conclusion: Handwritten signatures in the digital age** Handwritten signatures are still legally valid, but their digitization requires eIDAS-compliant technology. Scanning an image **is not enough.** The real solution is to use advanced electronic signature platforms that biometrically capture the stroke and cryptographically seal it. This guarantees **legal validity, security, traceability**, **and efficiency**, complying with the **eIDAS Regulation, the GDPR, and national regulations**. To sign online with your handwritten stroke and full legal validity, choose solutions such as Tecalis Sign and not PDF editors that insert images. Looking to create a legally valid handwritten signature online? Make sure the platform:  * Captures your stroke in real time. * Generates an advanced electronic signature. * Provides an unalterable evidential record.  Otherwise, your signature will have no legal value and you could incur legal risks or have the document declared null and void. --- ## Best programs for signing documents online with multiple people for free **URL:** https://www.tecalis.com/blog/best-programs-for-signing-multiple-people-online-for-free **Descripción:** Complete guide to signing documents with multiple people for free and with legal validity. How to do it safely and without errors. In the digital age, managing **documents with multiple signatures** no longer requires printing or face-to-face meetings. Electronic signature tools **allow you to sign contracts, agreements, or forms quickly, securely, and remotely**. There are free, robust solutions tailored to freelancers, SMEs, and work teams. These platforms **save time and give legal validity to document processes.** When choosing the best **electronic signature** tool, it is important to evaluate **monthly sending limits, number of signatories, and authentication methods**. Comparing different alternatives allows you to optimize workflows with multiple approvals, avoiding unnecessary costs. These solutions also guarantee the **full legal validity** of each signed document. In this article, you will find an **up-to-date technical guide** on how they work, their legal framework, and what factors to consider when choosing the best alternative for collaborative and secure signatures between multiple signatories. ## **How free online multi-signature programs work** **Multiple electronic signature programs allow you to manage the entire digital document signing process, from file upload to final validation of all necessary signatures. Their main objective is to simplify the signing of documents between multiple participants, while maintaining the legal and technical security of the process.** **The key is that these tools allow you **to define who signs, in what order, which fields each person must complete, and how each step of the process is notified.**** ### ****What these free electronic signature tools allow you to do**** **Free programs for** [**signing documents online**](https://www.tecalis.com/blog/how-to-sign-document-online-free-sign-documents-pdf-word) offer key features geared toward **collaboration and document process automation**. Among the main capabilities are: * **Sign documents online for free** without having to print, scan, or send physical files. * [**Sign contracts online**](https://www.tecalis.com/blog/sign-contract-online-free-contracting-signing-tool-digital-signature-electronic-validity) **for free** between two or more people, even if they are in different geographical locations. * Set up **multiple signature flows in the same document**, adapted to different business or administrative scenarios. * Adding specific and customized fields for each signer (signature, name, date, ID number, position, etc.). * Include **programmable signature flows** to establish whether signatures are sequential (one after another) or parallel (simultaneous). * **Validate the identity of signers** using different verification mechanisms. * **Generate technical evidence of the signature** (activity logs, time stamps, logs). * **Verify compatibility with multiple formats** such as PDF, Word, Excel, and images in some cases. * **Download the final document** with all signatures integrated and verifiable. These features make ****free electronic signature platforms particularly useful for employment contracts, commercial agreements, authorizations, and legal documents. All this without the need for printing, scanning, or physical delivery.**** ### **How are signatures from multiple users managed in the same document** One of the most important aspects of using **free online signature programs for multiple people** is the correct management of the order and logic of the signatures. These platforms allow you to configure different types of flows: #### **Sequential or chain signature** * Signatories receive the document **one after another**, following a predefined order. * Each signer accesses the document **only when the previous one has completed their signature.** * This is common in **hierarchical contracts or formal approval processes** (for example, a contract that is first signed by the employee and then by the manager). #### **Parallel or simultaneous signature** * **All signatories receive the document at the same time.** * Each user can sign independently. * **Ideal for agreements between parties with equal responsibility.** #### **Fields assigned by signer** * Each user can only interact with the **fields assigned per signer that correspond to them.** * **This prevents errors or unauthorized access.** #### **Mass mailings** * Allow the same document to be sent to **multiple people with customized fields.** * **Very useful for standard contracts, consents, or repetitive forms.** #### **Management using digital envelopes** * The document is grouped within an "envelope" that contains **signatories, fields, and rules.** * **This facilitates traceability and control of the signing process.** There are also **automatic reminders** that are sent when a signatory does not respond within a certain period of time. In this case, the system can send reminders to speed up the process. These options allow the signing process to be adapted to virtually any professional, legal, or administrative scenario, while ensuring control and traceability. ### **Process for signing a document online with multiple people** Although each platform may have slight variations, the general process for signing documents online for free between several people usually follows the same steps: 1. **File upload:** The document is uploaded in digital format (usually PDF). The file is stored securely on the platform. 2. **Configure signers**: Add the details of each person who needs to sign and then define the **signing order (sequential or parallel)**. 3. **Assign or customize fields**: Indicate the spaces where each signer must complete their signature or other information. Each field is linked to a specific signer. 4. **Sending invitations:** Signatories receive a secure link via email. In most cases, there is no need to create complex accounts.  5. **Signing process**: Each user accesses the document, reviews the content, and signs electronically. The system records the **date, time, and technical evidence.** 6. **Closing and downloading**: Once all signatures are complete, the document is locked. A final, downloadable, and verifiable version is then generated. **This workflow eliminates friction, reduces errors, and significantly speeds up the signing of documents with multiple participants. In addition, in many free tools, this process is intuitive and requires no downloads or additional software, operating entirely from the browser.** ## **Why is it important to use free electronic signature tools for documents with multiple signatories?** **Multiple electronic signatures are not only a matter of convenience, but also a strategic advantage in terms of efficiency, security, and accessibility.** Below are the main reasons for using these solutions: * **Time savings and optimization of administrative processes**: Travel, postal deliveries, and unnecessary waiting are eliminated, speeding up the formalization of agreements.  *  **Reduction in operating costs**: Less printing, less paper, and fewer logistical resources associated with traditional signing.  * **Security and traceability in signing contracts online for free**: Every action is recorded, allowing the process to be audited and any incidents to be detected.  * **Accessibility and ease for remote users:** Any signer can complete the process from anywhere and on any device.  * **Better user experience**: Intuitive interfaces that make signing easy, even for people without technical knowledge.  * **Lower risk of errors or document loss:** The document remains centralized and protected throughout the process.  These advantages explain why more and more organizations are opting for free online multi-signature programs as their operating standard. ## **Legal framework for free electronic signatures: Key regulations** **One of the most frequent questions when discussing free electronic signatures is their legal validity. It is essential to understand that an electronically signed document can be fully legally valid, provided that it meets certain technical and regulatory requirements.** #### **Legal validity of documents signed online** The law recognizes electronic signatures as a valid means of expressing consent, provided that they allow for: * **Identify the signer.** * Guarantee the integrity of the document. * Ensure that the signature is unequivocally linked to the signer. * Prove that the document has not been modified after signing. **Therefore, any program for signing multiple people online for free must incorporate technical mechanisms that support these principles.** #### **Personal data processing and information protection** During the **electronic signature** process, **sensitive personal data** such as names, email addresses, IP addresses, and identifiers **are handled**. **It is essential that platforms:** * Comply with the **General Data Protection Regulation (GDPR).** * Limit access to information to authorized users only. * Apply encryption and access control measures. * Allow the deletion or anonymization of data when necessary. #### **Essential security measures** Among the technical measures that **electronic signature tools** must include are: * Encryption of documents in transit and at rest. * Temporary sealing of signatures. * Event logging and auditing. * Protection against subsequent modifications. * Verification of the signer's identity. These guarantees are especially relevant when multiple signers are involved, as **the operational risk increases with each additional participant.** The best tools implement **end-to-end encryption**, **two-factor authentication (2FA)**, **and servers located in the EU** to reinforce security and legal compliance. ## **Electronic signature levels: which type to use when multiple people sign online** There are different levels or [**types of electronic signatures**](https://www.tecalis.com/blog/electronic-signatures-what-are-types-plans-choose-contract), each with specific legal and technical implications. **Choosing the right type depends on the risk level of the document and the context of use.** * [**Simple electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation) **(SES)**: Basic identification of the signer. **Suitable for low-risk documents** and easy to implement and use. It is valid for most private documents (e.g., contracts between individuals). * [**Advanced electronic signature**](https://www.tecalis.com/blog/electronic-signature-digital-business-solutions-what-is-esignature) **(AES)**: Uniquely **linked to** the **signer**. Allows any subsequent modification of the document to be detected. Offers greater legal certainty and is widely used in contracts between several people. * **[Qualified electronic signature](https://www.tecalis.com/blog/advanced-electronic-signature-qualified-differences-use-cases) (QES): Based on qualified certificates. Highest legal level and requires specific infrastructure.** **For most scenarios involving the free online signing of contracts between several people, the advanced electronic signature offers an optimal balance between security, usability, and legal validity.** ## **Common challenges and problems when signing documents online between multiple parties** Although free electronic signature tools have advanced greatly, signing documents between multiple participants still presents a number of **challenges that are important to be aware of in order to avoid errors, delays, or legal problems.** * **Coordination between signatories**: When several people are involved in a signing process, a lack of coordination can lead to delays, blockages, and the need to resend invitations. * **Errors in field assignment:** A common mistake is to incorrectly assign signature fields or data to the wrong signatories. This can result in invalid signatures, the need to repeat the entire process, and confusion among participants. * **Information security and protection**: The risk of unauthorized access often increases. Incorrectly forwarded signature links, use of shared devices, and lack of additional authentication are the main problems that arise in this area. * **Functionality limitations**: Free versions often impose limits on the number of documents per month, signers per document, or storage. * **Lack of technical support**: In case of error or doubt, many free platforms do not offer immediate assistance. * **Compatibility issues**: Some tools do not respect the original format of the document when inserting signatures, causing misalignments or visual errors. * **Phishing risk**: If the platform is not reliable, signature links could be used to impersonate identities or collect data. * **Difficulty managing corrections**: If a signer makes a mistake, resending the document can be complicated in free versions without an editable history. **Understanding these limitations is key to choosing the right tool based on the volume and complexity of the documents to be signed.** ## **Criteria for choosing the best free multi-signature tool** Choosing the best free online document signing software for multiple people requires analyzing a series of **technical, functional, and legal criteria**. Not all tools offer the same level of quality, even among the free options. 1. #### **Ability to manage multiple platforms** * The first essential criterion is that the tool **allows you to add multiple signers to the same document, define sequential and parallel signature flows, and correctly manage the order and status of signatures**. Without these capabilities, it is not really possible to talk about multiple signatures. 2. #### **Ease of use and user experience** * A good platform should be **intuitive for both the person sending the document and the person signing it.** It is important that the process is clear and guided, that no technical knowledge is required, and that signers can complete the signature in just a few steps. 3. #### **Security and signature evidence** * **Even in free solutions, it is essential that a minimum level of security is guaranteed. The tool should include a record of the date and time of each signature, identification of the signer, protection of the document against modifications, and generation of a proof or certificate of signature.** 4. #### **Regulatory compliance and data protection** * **Any free online contract signing program **must comply with data protection regulations.** It is advisable to verify that the platform applies data minimization principles, offers transparency regarding information processing, and incorporates technical and organizational security measures.**  5. #### **Scalability and growth options** * **Even if you initially use a free version, **it is important that the tool allows you to scale up to higher plans if your needs increase.**** ## **Tecalis Sign: A solution for signing documents online between multiple people for free and securely** [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) is positioned as **one of the most robust solutions** for those looking to sign documents online for free with multiple parties, without compromising security or user experience. #### **What is Tecalis Sign and how does it work for multiple signatures?** It is an electronic signature solution designed to facilitate the signing of documents online between multiple people, **combining ease of use, security, and regulatory compliance.** It is intended for professional environments where it is necessary to coordinate the signing of contracts, agreements, and legal documents between multiple participants, without technical complications or manual processes. It offers a **free version** that allows you to:  * Sign up to 3 documents per month with multiple signatories. * Define sequential or parallel workflows. * Assign specific fields to each signer (signature, date, name, etc.). * Send documents without requiring recipients to register. * Secure storage in the European Union. * Complete audit trail (who signed, when, and from which IP address). In addition, **Tecalis Sign complies with the** [**eIDAS Regulation**](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet) **and the GDPR**, ensuring the legal validity of signed documents and the protection of personal data. #### **Key features of this collaborative work solution** Tecalis Sign incorporates a number of **key features** that make it a solid option for **free electronic signatures** with multiple signatories: * **Technical support for multiple signatories** on the same document. * **Intuitive, clean, and professional interface** accessible from any device. * **Precise assignment of signature fields and data** to each participant.  * **Complete evidence log**, including time stamping and traceability. * **Compliance with legal** and data protection **requirements**.  * **100% online process**, no downloads or installations required. * **API integration**, ideal for companies that want to automate signature flows. * **Mobile signing** fully compatible with mobile devices and tablets. * **Real-time notifications** when the sender receives alerts at each stage of the process. **Our platform is especially recommended for** SMEs, freelancers, remote teams, or professionals who need a free but reliable solution for signing contracts online with multiple parties. --- ## Biometric control: what it is, uses, and how it works **URL:** https://www.tecalis.com/blog/biometric-control-what-it-is-uses-and-how-it-works **Descripción:** Biometric control is a technology that identifies individuals using unique characteristics. Discover how it works, where it is applied, and how to comply with the GDPR. **Biometric control** has established itself as an essential pillar of **modern security**, both in physical and digital environments. Based on **unique and non-transferable features**, it overcomes the limitations of passwords, cards, or PIN codes. **This technology ensures more accurate, fraud-resistant, and highly efficient identification.** In a context marked by the rise of **cybercrime, identity theft, and unauthorized access**, biometric systems offer a robust and scalable solution. They are widely adopted in **digital banking, corporate buildings, mobile applications, and digital identity systems.** In addition, they comply with **current data protection standards and security regulations.** This article analyzes what **biometric control** is, its **types, applications, and advantages**, as well as **Tecalis' solutions for secure identity and access management.** ## **What is biometric control and how does it work?** **Biometric control** is a security system that allows a person to be identified or authenticated based on unique, measurable, and verifiable biometric characteristics. These characteristics can be **physical**, **physiological**, or **behavioral**, and have the particularity of being extremely difficult to falsify, share, or steal. In practical terms, a **biometric access control system** works through the following phases: 1. **Biometric data capture**: The system collects the biometric characteristic using a specialized sensor (fingerprint reader, facial camera, iris scanner, microphone, etc.). 2. **Processing and feature extraction**: The captured data is converted into a mathematical biometric template using advanced algorithms. 3. **Secure storage**: The template is stored in encrypted form in a secure database, in compliance with legal and technical requirements. 4. **Comparison and** [**identity verification**](https://www.tecalis.com/blog/identity-verification-kyc-aml)**:** When the user attempts to access, the system compares the biometrics presented with the stored template. 5. **Access decision:** If the level of match exceeds a defined threshold, access is granted; otherwise, it is denied. This process can be completed in milliseconds, making biometric control a **fast, convenient, and highly reliable system.** ### **Difference between biometric identification and authentication** **In biometrics, it is essential to distinguish between identification and [authentication](https://www.tecalis.com/blog/authentication-what-is-process-methods-systems-security-verification-works), two concepts that are often confused but have very different technical and security implications.** ### **Biometric identification (1:N)** **The system compares the captured biometrics with all the stored templates to determine who the person is. It answers the question: _"Who is this user?_" It is common in mass access control, surveillance, or border control.** ### **Biometric authentication (1:1)** The user claims to be someone (for example, by entering a username or ID) and the **system verifies whether their biometrics match the associated template**. It answers the question: _"Are you really who you say you are?_" It is the most widely used method in corporate and digital biometric access control. Biometric authentication is faster, more accurate, and more common in corporate environments and online applications. ## **Why is biometric control important in security and access?** The importance of biometric control lies in its ability to solve the **main security problems associated with traditional access methods**. **Passwords are forgotten, reused, and stolen. Cards are lost, duplicated, or lent to others. PINs can be observed or shared. Biometrics, on the other hand, are inherent to the individual and cannot be forgotten or transferred.** ### **Biometric security: prevention of fraud and unauthorized access** One of the biggest problems with traditional authentication systems is their **vulnerability to** [**identity fraud**](https://www.tecalis.com/blog/identity-fraud-usurpation-protection-companies-systems-prevention-antifraud-identification-security-theft-data-scam-types). Biometric security is one of the most effective tools against: * Identity theft. * Credential theft. * Internal fraud. * Unauthorized access. * Phishing attacks. * Misuse of corporate accounts. By relying on unique characteristics, **biometric systems drastically reduce the risk of one person gaining access using another person's credentials**. In addition, modern systems incorporate _liveness detection_, which prevents attacks using photos, videos, masks, or voice recordings, further increasing the level of security. ### **Biometric access control in companies and organizations** In the corporate environment, biometric access control is key to protecting: * **Buildings and offices**: prevents unauthorized access and replaces easily duplicated physical credentials. * **Restricted or high-security areas**: ensures that only authorized and validated personnel can access sensitive areas. * **Data centers and server rooms**: protects critical infrastructure from intrusion and sabotage.  * **Laboratories and critical facilities**: ensures the integrity of processes, information, and strategic assets. * **Internal computer systems**: strengthens user authentication and reduces the risk of credential theft. * **Digital platforms and online tools**: prevents fraudulent access and improves the security of the corporate digital environment. * **Manufacturing and logistics**: control access to production processes and operational areas, improving traceability and security. Companies use biometric systems to ensure that only **authorized personnel** can access certain spaces or systems, creating complete traceability of accesses and events. #### **In the digital realm, biometrics is integrated with:** * **Corporate applications:** enables secure and agile authentication for employees and collaborators. * **VPN and remote access:** reinforces secure access to the corporate network from external locations. * **Business software (ERP, CRM)**: protects sensitive information and critical business transactions. * **Cloud platforms:** adds an additional layer of security in shared and scalable environments. * **Digital identity systems:** facilitates reliable user verification and unified identity management. This enables strong, frictionless authentication aligned with **Zero Trust Security** models. ### **Advantages over other access control systems** Biometric access control systems offer clear advantages over traditional methods: * **Greater security**: drastically reduces fraud and impersonation. * **Accuracy**: minimal error rates thanks to advanced algorithms. * **Speed:** authentication in seconds or milliseconds. * **Convenience:** eliminates the need to remember passwords or carry cards. * **Traceability**: detailed record of accesses and events. * **Cost reduction**: less management of physical credentials. * **Scalability**: easy integration into existing systems. For these reasons, biometrics is considered one of the most reliable methods of modern authentication. ## **Most commonly used types of biometric systems** **There are various types of biometric systems, each with specific characteristics depending on the level of security required and the context of use:** * [**Facial recognition:**](https://www.tecalis.com/blog/face-recognition) Analyzes facial features using cameras and computer vision algorithms. Widely used in physical access and mobile applications. Ideal for healthcare or high-traffic environments. * **Fingerprint**: One of the most widely used systems. High accuracy and low implementation cost. Commonly used in mobile devices, physical access systems, and time clocks. * **Iris and retina recognition**: Extremely accurate. Used in high-security environments.  * [**Voice biometrics:**](https://www.tecalis.com/blog/voice-biometrics-verification-digital-what-is-active-passive-types) Analyzes unique vocal patterns. Common in call centers and telephone systems. * **Behavioral biometrics:** Evaluates patterns such as how a person writes, moves, or interacts with a device. * ****[Biometric signature](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses)**: Analyzes the dynamics and pressure of a digital handwritten signature.** **Each system can be used independently or in combination within **[multi-factor authentication (MFA](https://www.tecalis.com/blog/multi-factor-authentication-mfa-multifactor-solutions-system-security-double))** schemes.** ## **Main applications: Where is biometric control used?** **Biometric control has applications in both physical and digital environments. Its use has expanded to multiple sectors:** #### **Physical biometric access control** * Companies and offices. * Corporate buildings. * Airports and transportation. * Hospitals and healthcare centers. * Public institutions. #### **Biometric security in devices and applications** * Smartphones and tablets. * Banking applications. * Fintech platforms. * E-commerce. * Corporate software. **Digital identity and business processes** * [**Digital onboarding.**](https://www.tecalis.com/blog/digital-onboarding) * Electronic signature. * Remote identity verification. * Fraud prevention. * Regulatory compliance (KYC, [**AML**](https://www.tecalis.com/blog/aml-anti-money-laundering)). Biometrics is now a central element of **secure digital transformation.** ## **Legal framework and data protection in biometrics** **Biometric data is considered special category personal data under the General Data Protection Regulation ([GDPR](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business)) in Europe and similar laws in other countries (LOPDGDD in Spain).** #### **Key legal points of the GDPR (Art. 9):** * **Explicit and informed consent** to process biometric data.  * Clear **legal basis** for processing.  * Application of **the principle of** data **minimization** and encryption. * Data must **be stored in an encrypted and decentralized manner**.  * Enhanced technical and organizational measures. #### **European guidelines (EDPB):** * They prohibit the **mass and non-selective** use of biometrics in public spaces without an impact assessment.  * They require **data protection impact assessments (DPIAs)** for biometric systems in companies.  * Recommend the use of **irreversible templates** and _privacy-by-design_ technologies_._ Organizations must ensure that **biometric systems** comply with the principles of privacy by design and by default. ## **Minimum security requirements for biometric systems** A secure biometric control system must comply with at least the following: * **Strong** end-to-end **encryption of biometric data**: ensures confidentiality and integrity both in transit and at rest. * **Secure storage of templates (not images)**: reduces the risk of exposure by using secure elements such as Secure Enclave, TPM, or HSM. * **_Liveness detection_**: mitigates impersonation through active or passive verification of the real user. * **Auditing and traceability**: allows access and security events to be logged, monitored, and reviewed. * **MFA integration:** adds additional layers of authentication to reduce the risk of compromise. * **Identity and access management (IAM)**: centrally control permissions, roles, and user lifecycles. * **Protection against replay attacks**: use of unique tokens per session. * **Regulatory compliance**: ensures alignment with applicable data protection and privacy regulations. Security does not depend solely on the sensor, but on the entire system architecture. ## **Tecalis solutions for biometric control and access security** **Tecalis offers advanced biometric control, digital identity, and access security solutions tailored to demanding business and digital environments. A comprehensive portfolio that covers all biometric access control and identity verification needs:** ### **Tecalis Identity**  [**Tecalis Identity**](https://www.tecalis.com/products/identity-verification) **is a digital identity management platform** with **biometric verification, remote onboarding, and advanced authentication.** The solution includes an **identity management platform with support for 1:1 biometric authentication.** It is compatible with **WebAuthn and** [**FIDO2**](https://www.tecalis.com/news/fido-alliance-members) standards, enabling **passwordless login** in both browsers and applications.  **It also supports integration with multiple biometric modalities, including fingerprint, facial recognition, and voice recognition.** ### **Tecalis Sign** **[Tecalis Sign](https://www.tecalis.com/products/electronic-signature) is an advanced and qualified electronic signature solution that, at its highest level, can integrate a biometric seal. This provides maximum legal evidence, irrevocably linking the signature on the document to the verified biometric identity of the person, guaranteeing non-repudiation.** ### **Multi-factor Authentication (MFA) and Single Sign-On (SSO) Module** **Tecalis allows you to strengthen access to corporate applications by implementing [biometric authentication](https://www.tecalis.com/products/authentication) as a possession/inherence factor within an MFA scheme (e.g., "something you know" - password + "something you are" - fingerprint). Its ability to integrate with standards such as SAML or OAuth facilitates the implementation of SSO, allowing users to access multiple applications with a single strong biometric authentication.** ### **Anti-fraud and document verification solutions** **Beyond access control, the Tecalis platform incorporates advanced intelligence to [detect fraudulent patterns during identity verification](https://www.tecalis.com/product/kyb-business-verification-ia-screening), such as document manipulation, the use of virtual devices, or sophisticated impersonation attempts.** --- ## What is a holographic signature, its legality, and how to digitize it **URL:** https://www.tecalis.com/blog/holographic-signature-what-it-is-and-how-to-digitize-it-securely **Descripción:** A holographic signature is similar to a handwritten signature, and its validity is complex. Discover how to digitize it legally with eIDAS, without scanning or risks **Holographic signatures** continue to be relevant in the validation of legal documents, despite the rise of digital solutions. **Many individuals and organizations still use traditional handwritten signatures**, even when there are more secure, efficient, and traceable electronic alternatives. This coexistence raises questions about the real validity of holographic signatures in the digital age. This article explains **what a holographic signature is, its legal framework in Spain, its common uses, how it is verified in the event of a dispute, and, above all, how it can be digitized securely and with legal validity.** ## **Definition and characteristics of the holographic signature** **A holographic signature is a traditional [handwritten signature](https://www.tecalis.com/blog/handwritten-signature-generator-how-to-create-maker), made freehand by a person on a physical document, usually on paper. It not only identifies the signer, but also expresses their agreement, consent, or ratification of the provisions of the document.** ### **What are the main characteristics of a holographic signature?** A holographic signature is defined by its **direct and calligraphic execution**, intrinsically linking the identity of the author with the physical medium of the document. Its main characteristics are: * **Handwritten and physical**: it is made on a tangible medium. * **Personal and** non-transferable: it reflects personal characteristics of the writing.  * **Evidential value:** it can be used as evidence in court, provided its authenticity is proven. * **Expression of will: it certifies that the signer has read, understood, and accepted the content of the document.** ### **Is an autograph signature the same as a holographic signature?** Although in everyday language and in various legal contexts both concepts are often used as synonyms to refer to a handwritten signature, **each term has technical nuances** that distinguish them in the legal sphere: * **Handwritten signature:** any signature made by hand by the person concerned. * **Holographic signature:** refers more strictly to documents written entirely by hand by the signatory.  **In common practice and in many legal texts, the term "holographic signature" is used colloquially to refer to any handwritten signature on a physical document, even if it has not been written entirely by the signatory.** **In short, it is a conscious and personal act of will, expressed in an analog and unique way, which has legal value provided that certain requirements of authenticity and context are met. It remains valid as long as the legal requirements that confer validity on it are met.** ### **Common examples of the use of handwritten signatures** **Although digitization is transforming many processes, there are still many scenarios where holographic signatures remain commonplace:** 1. **Holographic will:** This is the most iconic example. According to Article 688 of the Spanish Civil Code, this type of will must be **written and signed entirely** in the testator's own **handwriting**, without the intervention of a notary or witnesses. Its validity depends on the document being dated and signed, and there being no evidence of alteration or coercion. 2. **Physical contracts:** In sectors such as real estate, art, or family law, many contracts are still signed on paper, especially in contexts where the parties distrust digital technology or lack technological means. 3. **Handwritten authorizations:** For example, school permits, medical authorizations, or informed consents in rural or low-connectivity environments. 4. **Internal business documents**: Despite the rise of management software, many SMEs still use handwritten signatures on attendance sheets, expense authorizations, or internal forms. 5. **Collectibles and autographs:** In the non-legal but commercial sphere, the holographic signature of celebrities (actors, artists, athletes) has high symbolic and economic value. This type of signature is used especially when a physical mark of acceptance is required or when there are no electronic means available or legally authorized to digitally validate consent. ## **Legal framework governing handwritten signatures** **In Spain, holographic signatures are recognized in multiple legal bodies, although their use has been restricted in favor of more secure and auditable electronic means.** #### **Recognition in the Civil Code** **Article 1227 of the Spanish Civil Code establishes that contracts are perfected by mere consent, and the signature—whether holographic or not—is proof of that consent. In this sense, a holographic signature is legally valid provided that it can be proven that it was made by the person to whom it is attributed.** #### **Civil Procedure Law (LEC) and evidentiary assessment** **The LEC regulates handwriting expert evidence and signature recognition in court. In the event of a dispute over the authenticity of a holographic signature, the judge may order a judicial examination or even appoint a handwriting expert.** ### **When is a handwritten signature mandatory?** Although the regulatory and administrative trend is to favor [**electronic**](https://www.tecalis.com/blog/electronic-signature-spain-find-solution-regulation-companies) and advanced digital [**signatures**](https://www.tecalis.com/blog/electronic-signature-spain-find-solution-regulation-companies), there are cases in which a holographic signature is still mandatory or preferred, including:  * The **holographic will**, mentioned above, written entirely by hand by the testator. * Some **notarial documents** that require a handwritten signature in the presence of a notary. * **Public deeds (although here the signature is made before a notary, it is still holographic in form). In this case, these may be certificates and authorizations that, due to specific sector regulations, have not incorporated electronic signature mechanisms.** ### **Risks and penalties for forgery or misuse** The forgery of a holographic signature is a crime under **Article 390 of the Criminal Code**. Specifically:  * **Document forgery:** including or altering a signature without authorization. * **Fraudulent use of another person's signature**: impersonating another person to sign contracts or documents. **The consequences may include prison sentences (from 6 months to 3 years for anyone who falsifies, alters, or misuses another person's signature) and financial penalties. If the document is public or commercial, the legal act may also be declared null and void, with civil liability and financial damages.** ## **Requirements for a holographic signature to be valid** **For a holographic signature to have probative and legal value, it must meet four essential requirements:** 1. **Identification of the signer**: It must be possible to link the signature to a specific person, either by ID number or by their full name. An illegible signature or one without context may be invalid. 2. **Manifest will**: The person must have signed consciously and without coercion. If it is proven that there was pressure, deception, or manipulation, the document may be declared null and void. 3. **Absence of coercion or fundamental error**: The signatory must understand the content and consequences of the document. If they sign without reading or understanding it, they could claim vitiated consent. 4. **Applicable legal context**: If a type of contract or document requires specific requirements (e.g., notarized form), these must be respected. **These requirements are especially relevant in legal proceedings, where the **authenticity and context** of the signature are meticulously evaluated. If any of these requirements are missing, **the holographic signature may lose its probative value or even invalidate the legal act in question.**** ## **The holographic signature as evidence in a trial: "Signature recognition"** When a dispute arises over the authenticity of a holographic signature, the legal process may resort to **signature recognition,** a concept regulated in **Articles 320 et seq. of the Civil Procedure Act.** The procedure usually follows these steps: 1. **Filing of the lawsuit**: One of the parties alleges that the signature is not theirs. 2. **Signature comparison:** The judge asks the defendant to sign in their presence so that the signature can be compared with the one on the document in question. 3. **Appointment of a handwriting expert**: If the comparison is inconclusive, an official expert is appointed to analyze features such as pressure, slant, fluidity, speed, and characteristic strokes. 4. **Expert opinion**: The expert issues a report that may be accepted or challenged by the parties. 5. **Court ruling:** The judge evaluates the report and other evidence to determine authenticity. This is why it is a key tool in contractual or liability disputes. This process is **costly, time-consuming, and not always conclusive**, especially if the signature is very simple or if there are previous signatures from the same individual that are very different (due to aging, illness, etc.). ## **Digital signature vs. Holographic signature: Key differences** **Digital transformation has introduced new ways of signing. Although they appear similar, the legal and technical differences are significant:** [**Digital signatures**](https://www.tecalis.com/blog/digital-signature-what-is-business-business-electronics-processes-documents), especially **qualified electronic signatures** in accordance with Regulation (EU) No. 910/2014 **(eIDAS)**, offer a higher level of security and legality than handwritten signatures. Furthermore, they are **valid in all European Union member states**, which is not necessarily the case with paper signatures. This type of signature uses cryptographic algorithms to uniquely link the signed data to the signatory, so that any subsequent alteration is easily detectable. ### **When to use one or the other?**  **The decision between using a traditional signature or an advanced digital solution should be based on the balance between the legal requirements of the procedure and the desired operational efficiency.** * #### **Holographic signature:**  * In **very specific** contexts such as holographic wills. * In environments **without access to technology** or with low digital literacy. * Due to **personal or cultural preference** (although this is changing rapidly). * #### **Advanced digital/electronic signature:** * In **any modern administrative, commercial, or contractual procedure.** * When **traceability, speed, and enhanced legal certainty** are required**.** * To comply with regulations such as **eIDAS,** [**GDPR,**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) **or LOPD-GDD**, which require guarantees in the processing of data and documents. The global trend is to replace handwritten signatures with digital solutions that offer less risk of fraud, greater efficiency, and a better user experience. ### **The need to digitize holographic processes** Many organizations still initiate processes with handwritten signed paper documents, but then have to **scan them** and integrate them into digital document management systems. This hybrid approach presents serious problems: * **Lack of integrity:** scanning does not guarantee that the document has not been altered. * **Lack of traceability:** it is not known who signed it, when, or under what conditions. * **Legal risk:** a scan of a handwritten signature **is not a valid electronic signature** according to eIDAS. * **Difficulty in auditing multiple versions of a document.** #### **Why does scanning a signature not make it digital?** A digitized hand-signed document does not add **integrity, security, or traceability.** A scanned PDF: * Is not an electronic signature. * Can be altered without leaving a trace. * Does not link the signature to the signer's identity.  * Does not comply with eIDAS regulations. ## **How to digitize a holographic signature securely and validly** Digitizing a handwritten signature does not mean converting a scanned PDF into a "valid digital document." It means **reproducing the legal act of signing in an electronic environment with the same or greater legal guarantees.** The process must comply with the standards of **the eIDAS Regulation**, which distinguishes between three levels of electronic signature: 1. [**Simple electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation): basic, without enhanced guarantees. 2. [**Advanced electronic signature**](https://www.tecalis.com/blog/advanced-electronic-signature-qualified-differences-use-cases): linked to the signatory and capable of detecting subsequent alterations. 3. **Qualified electronic signature: with a qualified certificate and created with a secure device; legally equivalent to a handwritten signature.** ### **What are the steps to validly digitize a handwritten signature?** In order for the transition from handwritten signatures to the digital environment to retain its full legal validity, it is necessary to follow a technical protocol that safeguards the evidence of consent. The process to follow is: 1. **Prior identification of the signer**: using an electronic ID card, digital certificate, or supervised video identification. 2. **Use of a certified platform**: that generates time stamps and guarantees the integrity of the document. 3. Association of the signature with the document data: using cryptographic methods that link the signature to the final content.  4. **Audit log:** storing metadata (IP, geolocation, exact date/time, device). 5. **Secure and accessible storage of the electronically signed document**: on servers that comply with GDPR and LOPD-GDD. **This approach transforms the intention to sign holographically into a legally robust digital act.** ##  **Instant legal electronic signature with Tecalis Sign** A leading solution in the Spanish and European market is [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature), an advanced and qualified electronic signature platform that allows you to: * **Sign any electronic document** with full legal validity according to eIDAS. * **Integration with business systems** (ERP, CRM, HR) to automate signature flows. * **Remote video identification** validated by the Spanish Data Protection Agency (AEPD). * **Full traceability**: each signature generates an audit report with a qualified time stamp. * **Regulatory compliance: GDPR, LOPD-GDD, eIDAS, [eIDAS 2.0](https://www.tecalis.com/blog/eidas2-eidas-2-regulation-eudi-20-europe-eu-wallet).** **Combined with Tecalis Identity for identity verification, it reduces the risk of impersonation. Companies in the banking, insurance, legal, and public administration sectors already use these solutions to replace handwritten signature-based processes with 100% digital, secure, and efficient workflows.** ## **Conclusion: The holographic signature in the digital age** **Holographic signatures** have a legitimate place in the Spanish legal system, especially in documents such as holographic wills. However, their widespread use in contracts, authorizations, or administrative procedures **is no longer secure or efficient** in the current context. Today, advanced and qualified electronic signatures not only equal but surpass handwritten signatures in terms of legal validity, security, and user experience. Furthermore, in the near future, driven by the **Digital Europe Strategy 2030****,** holographic signatures will be relegated to very marginal or symbolic uses. Organizations that anticipate this transition will not only improve their operational efficiency but also **reduce legal and fraud risks**. The adoption of platforms such as **Tecalis Sign** and the use of advanced digital certificates allow organizations to maintain the binding force of agreements, streamline operational cycles, reduce risks, and ensure long-term traceability. **Digitization is not an option: it is a strategic obligation. And doing it right is the key to ensuring that every signature, whether electronic or handwritten, has the legal weight it deserves.** --- ## Professional services: what they are, companies, and types **URL:** https://www.tecalis.com/blog/professional-business-services-companies-what-they-are-independent **Descripción:** Professional services are an activity dedicated to offering companies high value through different types of projects. We tell you everything. In today's economy, dominated by specialization and digital transformation, the concept of **professional services** has become the driving force behind business competitiveness. **It is no** longer **just a matter of hiring external labor, but of incorporating "intellectual partners" capable of solving complex problems**, from **legal engineering to the integration of critical software architectures**. This article takes an in-depth look at what professional services are, how they differ from simple outsourcing, and why the areas of **software development**, **identity, electronic signatures, BSS, ERP**, and **cybersecurity** are leading the demand for these types of independent services. ## **What are professional services?** **Professional services are specialized, technical, or unique economic activities performed by experts (individuals or companies) who offer specific knowledge to a client in exchange for a fee. Unlike the sale of tangible goods, the value of these services lies in the intellectual capital, experience, technology, and processes developed, and the execution capacity of those who provide them, which are usually B2B service companies.**  **Professional services cover a broad spectrum, but always share three fundamental pillars that distinguish them from other business models:** 1. **High technical specialization:** The provider has **licenses, certifications, or** **_know-how_** that the client does not have internally. 2. **Autonomy of execution:** Unlike an employee or an internal team within a company, the professional service provider is not usually subject to strict working hours, but works towards objectives or deliverables. 3. ****Fiduciary or performance responsibility**: A higher standard of quality and regulatory compliance is expected, often backed by **service level agreements (SLAs).**** ### ****Difference between product and professional service**** While a **product** (such as **canned software** or software **delivered without support or guidance**) is **static, professional services are dynamic and flexible**, with support for integration and advice on their use and development. In the technology sector, for example, purchasing a software license is acquiring a product; hiring a team of engineers to make that software communicate with your company's core banking system is a **professional integration service to work with the [best KYC software](https://www.tecalis.com/blog/best-kyc-software-identity-verification)**. These **intangible assets** provide ongoing benefits that translate into cost savings, improved productivity, or increased sales: experience, patented methodologies, analytical capabilities, and, increasingly, the provision of advanced technology and methods for implementing it. Traditionally, this concept was associated with lawyers or architects. However, the modern definition, optimized for the Digital Age, encompasses professional services **teams of engineers and business consultants who work side by side with companies** to improve their results in a wide range of areas**.** The real value no longer lies solely in "giving advice," but in **execution**. Modern providers offer a **hybrid model that combines software (SaaS) with custom development capabilities, acting as an external innovation team or providing professionals** who integrate into the client's staff. ## **Professional services for businesses** In the B2B environment, professional services have evolved. Companies are no longer looking for mere suppliers, they are looking for **technology partners for high-impact projects**. The main objective of contracting these services is to accelerate growth, unlock operational bottlenecks, and access elite talent without incurring the labor liabilities of hiring staff. Why are these types of professional services trending? Because they allow companies to obtain solutions that comply with demanding regulations (such as eIDAS or GDPR) but are 100% adapted to their unique operations. The most advanced consulting and service companies are moving towards a hybrid model. This approach **combines the best of SaaS (Software as a Service) products with custom developments**. When contracting modern professional business services, organizations seek three areas of improvement: * **Accelerated time-to-market:** External teams (Squads) that master industry architectures and dynamics, enabling products to be launched in weeks rather than years. * **Flexibility and scalability:** The ability to incorporate dedicated talent (_staff augmentation_) or act as an external innovation team depending on project demand. * **Niche knowledge:** Providers who are well-versed in specific regulations (such as eIDAS, PSD3, KYC, or [**GDPR**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business)) and know how to automate compliance. * **Elimination of technical debt:** Hiring experts allows you to clean up code, modernize systems, and ensure that the software delivered is fluid and scalable, avoiding the patches that tend to accumulate with overworked internal teams. ## **Types of professional services: advisory and consulting** **The current ecosystem is divided into much more granular categories. It is vital to distinguish between advisory services (ongoing support with formal obligations) and consulting (analysis and resolution of specific strategic challenges).** **Although the line is blurred, in the technological world we distinguish between **consulting (analysis) and professional engineering services (execution)**. Leading providers, often referred to as digital _partners_, unify both worlds. However, the category experiencing the most growth is **IT Professional Services, AI, and conversion consulting.**** ### ****Integrations, ERP, cybersecurity, and software development**** This is the core of current demand. Companies need to connect disparate systems so that data can flow. Professional services in this area not only "install" programs, but also **digitally transform the business model.** #### **1\. Software development and integration (API-First)** The most in-demand service is the ability to perform **complex integrations**. Companies need to connect their legacy systems (old but vital infrastructures) with new technologies through **APIs and SDKs**. A quality professional service in this area is responsible for: * **Designing smart connectors:** To link an old ERP or CRM with modern identity or [**digital signature**](https://www.tecalis.com/products/electronic-signature) systems. * **Secure middleware:** Creating intermediate layers of software that modernize the infrastructure without interrupting daily operations. * **Ad-hoc sales front ends:** Developing conversion-optimized onboarding portals, customized with the client's corporate identity. #### **2\. ERP for Professional Services** Enterprise resource planning (ERP) in the service sector has unique characteristics. Unlike industrial ERP (focused on inventory), **ERP and the creation of sales interfaces or** [**BSS software**](https://www.tecalis.com/products/customer-hub-sales) focus on talent management, billable hours control, and project profitability. The implementation of these systems is itself a professional service that requires: * Data migration and structuring to ensure a 360º view of operations. * Automation of administrative tasks using software robots (RPA) to reduce the operational burden on the back office. #### **3\. Cybersecurity and RegTech (Regulatory Technology)** In an environment of growing threats, cybersecurity is no longer a product, it is an ongoing service. This is where **technological compliance** services come into play. Leading companies seek providers that are [**Qualified Trust Service Providers (QTSP)**](https://www.tecalis.com/blog/qualified-trust-services-providers-qtsp-electronic-list-digital-identity-transactions-eidas), as this ensures that developments are not only secure at the code level, but also legally valid. * **Identity Services:** Implementation of KYC/KYB (Know Your Customer/Business) systems to verify identities in real time and prevent fraud. * **Process Auditing: Consulting on regulations such as [eIDAS](https://www.tecalis.com/es/blog/eidas-electronic-identification-trust-services), AML (Anti-Money Laundering), and PSD3 to legally shield digital contracting processes.** ## **Aspects of independent professional services** **The rise of the gig economy has also transformed the high-level professional services sector. We are no longer talking only about large consulting firms, but also about highly qualified independent professional services.** ### **Independent professional services vs. boutique agencies** For large-scale projects, companies tend to hire **boutique agencies or technology consulting firms**. The reason is execution capacity: an independent professional has a limited number of hours available, while a professional services company offers **squads** (multidisciplinary teams) that guarantee service continuity and coverage of different areas (backend, frontend, legal, UX) simultaneously. **On the other hand, [RegTech](https://www.tecalis.com/blog/regtech-compliance-regulation-technology) partners such as Tecalis offer professional services with a modus operandi similar to that of independent professional services if the project requires it, with total flexibility.** ### **Taxation and Liability** When contracting independent services, it is crucial to differentiate between a commercial contract and a covert employment relationship (false self-employment). A true independent professional service is characterized by: * Use of own resources to carry out the work. * **Assumption of the risk and venture of the activity. (Something that can be seen in the outsourcing of commercial management commissions or the assumption of risk in customer registration and onboarding processes).** * Organizational freedom (not subject to fixed office hours imposed by the client). ## **The most in-demand business services: what to consider** **When evaluating the current market, the services that generate the highest return on investment (ROI) are those that directly impact Marketing, Sales, and Operations. Companies are looking for providers who understand their business and not just their code.** ### **Focus on Marketing and Sales: Technology as an Enabler** **The most valued professional services are those that design technology with a focus on the processes that make the company sell. This includes:** * [**Digital Onboarding**](https://www.tecalis.com/blog/digital-onboarding)**:** Creating high-conversion flows where customers can sign up, sign, and contract in seconds from any device. * **Sales Automation:** Use of AI and RPA to automate lead tracking and complex commission management, freeing sales teams from manual tasks. * ****Customer Experience (CX):** Consulting to analyze the **[_customer journey_](https://www.tecalis.com/blog/customer-journey-360-solutions)** and eliminate friction, reducing the cost per acquisition (CAC).** ### **The importance of "Turnkey"** Faced with obsolete models that involve months of theoretical consulting, the market demands **turnkey** projects. This means defining the scope, deadlines, and closed budget for specific deliverables, such as the customization of an onboarding flow or a critical data migration. **A good professional services partner should be able to offer both Staff Augmentation (talent integrated into your structure) and closed product development, adapting to the needs of the moment.** ### **What to review in a professional services contract** The **professional services agreement** is the cornerstone that protects both the client and the provider. Unlike an employment contract, this document is governed by civil or commercial law and must be extremely precise in its wording to avoid "scope creep" (uncontrolled increase in the scope of the project). **To safeguard these relationships, a professional services agreement is vital. Unlike an employment contract, this agreement is commercial in nature and governed by the Civil and Commercial Code (depending on the jurisdiction).** **Key points that a robust professional services agreement should include:** #### **1\. Definition of Scope of Work (SOW):** **It must detail exactly what is delivered and, more importantly, what is NOT delivered. In software development services, this involves specifying functionalities, supported browsers, and technologies to be used. In the case of a hybrid SaaS model, it must be clarified which part is licensed and which part is ad-hoc development.** #### **2\. Intellectual Property (IP):** One of the most contentious points. Who owns the code or the result of the service? * * In strategic consulting services, the result usually belongs to the client. * In software development, it is common for the provider to retain the IP of its base or "core" libraries (in order to reuse them) and transfer the use or ownership of specific adaptations to the client. It is vital to clarify this to avoid future lock-ins (Vendor Lock-in). #### **3\. Service Level Agreements (SLA):** Indispensable in maintenance or ongoing support services. Defines response times for critical incidents and penalties for non-compliance. For example, guaranteeing uptime or a response to blocking errors in less than 4 hours. #### **4\. Confidentiality and Data Protection (NDA + DPA):** #### As these are professional services that often involve sensitive data (financial, user identity, commercial strategies), the contract must include robust confidentiality clauses and a data processing agreement (DPA) in accordance with the GDPR, especially if the provider accesses the personal data of end customers. #### **5\. Methodology and Acceptance:** How is the work validated? In technology projects, a UAT (User Acceptance Testing) phase is usually established. The contract must stipulate how much time the customer has to review the deliverable and what is considered an "error" versus a "new request." #### **6\. Resolution and Exit:** Clauses that allow for early termination if milestones are not met, but also protect the provider from non-payment. In recurring services, the transition or "reversibility" mechanism must be defined so that the customer can recover their data and migrate to another provider without operational trauma. **Professional services** are no longer an operating cost but have become a strategic investment. Whether through hiring independent experts for specific tasks or partnering with **technology partners** for comprehensive transformations, the key to success lies in specialization. In a market where technology advances faster than internal training capabilities, relying on external teams that master **RPA, Artificial Intelligence, RegTech, and custom development** is the only way to ensure competitiveness, legal certainty, and long-term business scalability. --- ## Recognized electronic signature: what it is, uses, and recommendations **URL:** https://www.tecalis.com/blog/recognized-electronic-signature-what-it-is-and-how-it-works **Descripción:** Discover what a recognized electronic signature is, its eIDAS validity, differences with advanced signatures, and how to digitize processes with Tecalis. **Recognized electronic signatures** are the highest standard of security and legal validity in the European and global digital ecosystem. As organizations move away from paper, the need to secure commercial agreements and legal procedures makes it essential to understand this technology.  Choosing the wrong type of signature can result in a contract being invalidated or security breaches. This article explains **what a recognized electronic signature is**, its legal framework under the **eIDAS Regulation**, in which cases it is mandatory, and how to implement it efficiently. ## **What is a recognized signature and how does it work?** A **recognized electronic signature** is one that is based on a qualified certificate and is generated by a secure signature creation device (QSCD). Thus, a recognized electronic signature is a type of **electronic signature** that is considered, for all legal purposes, a direct equivalent to a traditional [**handwritten signature**](https://www.tecalis.com/blog/handwritten-signature-legality-digitization). It works on the basis of **asymmetric cryptography** and public key infrastructures (PKI). Recognized electronic signatures are currently referred to as qualified electronic signatures under the European eIDAS regulation. The process guarantees three fundamental principles: * **Unambiguous identification: It** confirms without margin for error who the signer is. * **Absolute integrity:** It detects any modification of the document after it has been signed. **Non-repudiation: It prevents the signer from legally denying that they signed the document.** ### **Electronic identification and identity verification** To obtain a recognized electronic signature, the critical step is the prior **electronic identification** of the user. A qualified certificate cannot be issued without a [**Qualified Trust Service Provider (QTSP)**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas) verifying the applicant's real identity.  To achieve this unambiguous identification, providers use extremely secure mechanisms that comply with **Anti-Money Laundering (AML)** and [**Know Your Customer (KYC)**](https://www.tecalis.com/blog/kyc-know-your-customer) regulations. The most common methods include: * **Physical appearance:** The user goes in person to a Registration Authority (such as a public office or notary) with their official identity document (ID card, passport). * **Video identification (VideoID):** A synchronous video call or an asynchronous video recording process supervised by trained agents, where facial biometrics, liveness detection, and identity document validation technologies are applied using OCR (Optical Character Recognition) technology and hologram or NFC chip verification. **Identification using another qualified certificate: If the user already has a valid certificate (e.g., electronic ID card), they can use it to identify themselves online and obtain a new one.** ### **The role of the qualified certificate in recognized signatures** **The qualified certificate is, in essence, the signer's "digital ID card." It is an electronic document issued by a Certification Authority that links the validation data of a signature to a natural or legal person, confirming their identity in an irrefutable manner.** For a signature to be considered "recognized" or "qualified," the certificate must meet strict technical requirements regulated by eIDAS: * **Audited issuance:** It must be issued exclusively by a Qualified Trust Service Provider (QTSP) included in the European Union's Trust Lists. * **Secure Device (QSCD):** Cryptographic keys must be stored in high-security hardware. **Cloud signature: Currently, the law allows this certificate to be hosted on Cryptographic Servers (HSM) in the cloud, allowing the user to sign from their mobile phone with **[two-factor authentication (2FA).](https://www.tecalis.com/blog/two-step-authentication-2FA-verification-which-is-account-activate-factors-security-systems-configure-business-second-factor)**** ### ****Differences between simple electronic signatures, advanced electronic signatures, and recognized electronic signatures**** The **[eIDAS Regulation](https://www.tecalis.com/es/blog/eidas-electronic-identification-trust-services)** classifies electronic signatures into three technical and legal levels. Choosing the right one is vital to ensure the legal certainty of corporate agreements: * [**Simple Electronic Signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation)**:** Basic security level. This is data attached to other data (e.g., accepting _cookies_ or web terms). It does not allow the signer to be unequivocally identified and requires additional evidence to be provided in the event of a lawsuit. * [**Advanced Electronic Signature**](https://www.tecalis.com/blog/advanced-electronic-signature-qualified-differences-use-cases)**:** High security level. It uniquely identifies the signatory, detects any subsequent alterations, and guarantees the integrity of the document through cryptography. It is the most efficient solution for employment contracts and B2B agreements. * **Recognized (Qualified) Electronic Signature:** Maximum security level. It requires the use of a **qualified certificate** and a secure signature creation device (QSCD). It reverses the burden of proof in litigation and is mostly used in procedures with public administrations. ## **Legal validity and regulatory framework: the eIDAS Regulation** **Regulation (EU) No. 910/2014** **(eIDAS)** is the cornerstone of the digital trust ecosystem in Europe. Its main objective is to ensure that cross-border electronic interactions between businesses, citizens, and public authorities are secure and seamless.  **In Spain, this regulation is complemented by Law 6/2020 regulating certain aspects of electronic trust services.** ### **Equivalence with handwritten signatures** The most important legal principle of recognized electronic signatures is found in Article 25.2 of the eIDAS Regulation: _"A qualified electronic signature shall have the same legal effect as a handwritten signature_._"_ This means that no judge or administration can reject a document simply because it is signed electronically if it has a qualified signature.  **It also provides the principle of [non-repudiation](https://www.tecalis.com/blog/non-repudiation-what-is-signature-example-guarantees-deniability): the signer cannot deny having signed the document unless they can technically prove that the certificate was hacked or stolen.** ### **Use cases where recognized signatures are required by law** There are regulated sectors where **advanced electronic signatures** are not sufficient and the law explicitly requires the use of **recognized electronic signatures**: * **Public Administration (AAPP):** Filing of high-value taxes, public tenders, and signing of official resolutions. * **Legal and Notarial Sector:** Issuance of authorized electronic copies, notarial policies, powers of attorney, and binding communications with the Administration of Justice (LexNET in Spain). * **Healthcare Sector:** Signing of electronic prescriptions or medical records, where integrity and auditing are a matter of life and death. * **Accounting Audit: Registered auditors must use a recognized electronic signature to sign their annual audit reports, giving the document public faith.** #### **When is an advanced electronic signature sufficient?** Although a recognized signature offers maximum security, it requires a certificate issuance process (onboarding) that can cause commercial friction. For **95% of administrative and commercial procedures**, the advanced electronic signature is the ideal option. **The advanced electronic signature is fully valid, legal, and much faster** for the user experience (UX). **If a biometric or OTP (SMS) signature solution is used, a very robust legal shield is maintained without requiring the customer to have a prior certificate, and for high-risk processes, it can be complemented with KYC to achieve the same level of probative and legal value as a recognized or qualified signature.** #### **Why choose advanced signature over recognized signature?** * **Agility:** It allows the user to sign instantly from their smartphone without having to install certificates in advance or possess a USB token. Evidence is collected through biometrics (speed, stroke pressure, graph), geolocation, IP, and time stamping. * **Conversion:** In B2C or B2B sales processes, requiring the customer to provide a recognized signature can cause the sale to fall through if the customer does not have an active electronic ID or does not know how to use it. Advanced signatures using OTP (One Time Password) via SMS are legal, secure, and increase contract closure rates. * **Success stories: It is the de facto standard for Human Resources Contracts (payroll, NDAs, risk prevention), rental contracts, confidentiality agreements, purchase and sale of services, SEPA bank mandates, and logistics (delivery notes).** ## **How to obtain and use a recognized electronic signature step by step** **If your company or you as an individual need to use a qualified electronic signature, the process must follow a strict chain of trust dictated by eIDAS:** 1. **Choose a** [**Qualified Trust Service Provider (QTSP)**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas)**:** Check the EU Trust List to ensure that the certification authority is authorized to issue qualified certificates. 2. **Certificate Application:** Start the application process for the "Qualified Electronic Signature Certificate." This can be for an individual, a representative of a legal entity, or a company's electronic seal. 3. [**KYC**](https://www.tecalis.com/blog/kyc-spain-regulation-digital-solutions-aml-compliance) **Identification Process**[**:**](https://www.tecalis.com/es/blog/kyc-espana-regulacion-soluciones-digitales-cumplimiento-aml) Go through the identity validation process. Today, the most advanced solutions allow you to complete this step 100% online using VideoID in just a few minutes, without the need to travel anywhere. 4. **Key Generation and QSCD Device:** Decide whether you will use a local QSCD (smart card/USB) or a cloud-based QSCD (recommended). If you choose the cloud, the provider will generate your keys in a secure HSM and grant you access through two-factor authentication (mobile app, PIN, biometrics). 5. **Signature Execution:** When signing a PDF document, the signature platform will request your authorization. You will validate the action using your Second Factor Authentication (2FA). The system will apply cryptography and stamp a qualified time stamp, generating a document (usually PAdES format for PDF) with immediate legal validity. The current process has left obsolete card readers and USB tokens behind. Today, cryptographic keys are securely stored on HSM servers in the cloud, allowing users to sign from their smartphones using simple two-factor authentication (2FA). ## **Best practices and recommendations for implementing recognized electronic signatures** For companies looking to scale, digitize their document flows, and ensure regulatory compliance worldwide, implementing electronic signatures should not be seen as a simple "digital patch," but as a comprehensive business transformation. Below, we list the best practices in the market: * **Choose comprehensive and certified platforms:** It is essential to have technology providers that offer end-to-end solutions. Leading tools such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) not only allow you to execute recognized and advanced electronic signatures with full legal validity under eIDAS, but also combine **digital identity verification (KYC/AML)**, the issuance of qualified certificates in real time, and document orchestration in a **single operational flow**. This avoids having to hire three different providers, reducing operating costs and eliminating security gaps in technical integrations. * **API integration:** Choose solutions that have robust RESTful APIs. This allows you to embed the recognized or advanced signature experience directly into your ERP, CRM, or employee portal, making the workflow invisible and automated for your internal teams. * **Maximize Operational Efficiency:** Electronic signatures reduce contract cycle times by 80%. Eliminate low-value administrative tasks such as printing, scanning, courier delivery, and physical filing. * **Sustainability and ESG Policies:** Going paperless not only saves direct costs, but also dramatically reduces the organization's carbon footprint, aligning the company with the United Nations Sustainable Development Goals (SDGs) on its path to becoming paperless. * **Customer Experience (CX) at the Center:** If you need to issue recognized signatures to external customers, make sure that _Cloud Signature_ technology is responsive and user-friendly (mobile-first). If the signing and registration process is cumbersome, cart or contract abandonment will be imminent. Technology must adapt to the user, not the other way around. Implementing recognized electronic signatures ensures maximum legal protection for corporations and opens the door to a truly digital, efficient, and globalized economy. --- ## NDA: what it is, types, and how to sign a legally binding confidentiality agreement **URL:** https://www.tecalis.com/blog/nda-what-is-a-confidentiality-agreement-how-to-sign **Descripción:** Find out what an NDA (non-disclosure agreement) is, what it is used for, the different types, what it protects, its legal validity, and how to sign it with complete digital security. The **confidentiality agreement** is the legal pillar for collaboration in open and highly digitized markets. Its purpose is to shield strategic information, **trade secrets, and intellectual property** to ensure corporate security, trusting relationships, and a real competitive advantage. Using the right contract determines the success of business alliances in the face of catastrophic security breaches. This article analyzes **what an NDA is**, its regulatory framework, what it is used for, and in which cases it is mandatory. In addition, we explore the different types that exist and how **to digitize your signature** with full **legal validity.** ## **What is an NDA and what is it for?** An **NDA** is a legally binding confidentiality agreement between two or more parties that establishes that certain sensitive information shared between them will be kept strictly confidential. **An NDA, or Non-Disclosure Agreement, serves to create an environment of trust ("confidential relationship") that protects any type of trade secret, business model, financial data, or patentable information from competition or unauthorized public disclosure.** From a legal and operational standpoint, the **NDA agreement** serves three essential functions: * **Protection of intangible assets:** It safeguards know-how and intellectual property before it is registered (such as a patent pending). * **Establishing clear boundaries:** Defines exactly what information is secret and for what specific purpose it may be used (preventing misuse). * ****Deterrent and punitive power**: It prevents the recipient of the information from disclosing the data under threat of severe financial and legal penalties.** ### **When is it necessary to sign it?** There are multiple critical scenarios in day-to-day corporate life where signing a **confidentiality agreement** is a necessary preliminary step. The most common use cases include: * **Financing and investment rounds:** When presenting an innovative business model (_pitch deck_), proprietary algorithms, or financial projections to potential investors. * **Mergers and acquisitions processes:** During the [**_due diligence_**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada) phase, where the purchasing company needs to audit the target company's accounting books, customer lists, and internal metrics. * **Technology development and outsourcing:** When hiring external agencies or freelance developers who will have access to source code, databases, or software architecture. * **Hiring Key Employees:** Senior management, researchers, or engineers who, due to the nature of their position, handle the company's core know-how. * **B2B business relationships and partnerships:** When proposing a joint venture or integrating platforms through APIs, where both companies must share technical specifications. * **Launching new products:** When sharing industrial designs, prototypes, or formulas (the classic example being a soft drink recipe) with manufacturers or suppliers. ### **Types of NDAs: most common confidentiality agreements** Not all **confidentiality agreements** are the same. Depending on the direction in which sensitive information flows and the number of parties involved, the agreement is classified into three broad categories. Choosing the right one is vital to ensuring the balance of the contract. * **Unilateral NDA:** Only one party shares information and the other assumes all the obligation to maintain secrecy. This is the most common type in contracts or the presentation of inventions. * **Bilateral (or mutual) NDA:** Both parties exchange sensitive data reciprocally and mutually agree not to disclose it. This is the standard in strategic alliances and mergers. * **Multilateral NDA: Involves three or more parties under a single master document. It is ideal for consortiums or joint projects, as it avoids signing multiple cross-agreements.** ### **Employment NDAs, company NDAs, and NDAs for suppliers or investors** **The practical application and clauses of non-disclosure agreements vary dramatically depending on the professional context in which they are applied:** * **Employment NDA:** Signed with employees (often included in the employment contract itself). Its purpose is to prevent employees from taking customer lists, marketing strategies, or intellectual property to competitors when they leave the company. It is usually accompanied by non-compete agreements (NCA). * **Business NDAs (B2B):** These set the rules of the game between corporations. They are comprehensive documents that not only address confidentiality, but also data protection regulations [**(GDPR)**](https://www.tecalis.com/blog/gdpr-general-data-protection-regulation-electronic-digital-signature-lopd-law-business) and the exact protocols for how data should be returned or destroyed at the end of the agreement. * ****NDAs for Investors**: Designed to allow startups to share their financial metrics without the risk of the investor using that information to benefit another company in their portfolio. They tend to be shorter and more straightforward so as not to create friction in the negotiation.** ## **What information does an NDA confidentiality agreement protect?** **For an NDA agreement to be effective and not declared null and void by a judge for being "abusive" or "excessively generic," it must define with surgical precision what constitutes "Confidential Information."** Generally, a robust NDA protects: * **Technical Information:** Source code, software architecture diagrams, patents pending, chemical formulas, manufacturing methods, and industrial designs. * **Commercial Information:** Customer databases, supplier lists, _pricing_ strategies, profit margins, and unlaunched marketing campaigns. * ****Corporate Information**: Business plans, organizational structures, salaries, board meeting minutes, and merger forecasts.** ### **Common exclusions in an NDA** Just as important as defining what is protected is establishing what is **not** protected. Standard exclusions in any professional **non-disclosure agreement**, which are vital to maintaining legal balance, are: * **Public Domain:** Information that was already known to the public prior to signing, or that became public through no fault of the receiving party. * **Prior Knowledge:** Data that the receiving party already possessed legitimately before interacting with the disclosing party. * **Independent Development:** Information that the receiving party developed on its own and independently, without resorting to the confidential data provided. * **Disclosure by Third Parties:** Data obtained legally through a third party who was not subject to any confidentiality obligation. * **Legal Disclosure:** Information that must be disclosed by order of a judge, court, or public administration. ## **How to draft an effective NDA: Best practices** Drafting a **confidentiality agreement** requires legal rigor. Free, generic templates downloaded from the internet often lack the robustness necessary to withstand complex litigation. To draft a foolproof NDA, these essential elements must be included: * **Accurate identification of the parties:** Name, tax ID number, and address of the companies or individuals. It is vital to ensure that the signatory has sufficient capacity and power of attorney to bind the company. * **Precise definition (subject matter of the agreement):** Explicitly detail which data is confidential. The use of watermarks or "Confidential" stamps on physical and digital documents is recommended. * **Term and Duration:** An NDA must establish two terms: the period during which the information will be shared, and the period during which it must be kept secret (usually between 2 and 5 years, although trade secrets may have indefinite protection). * **Consequences of termination:** A clear obligation to return or permanently destroy (issuing a certificate of destruction) all material at the end of the agreement. * **Jurisdiction and applicable law: In cross-border transactions, specify which courts and which national laws (e.g., Spanish law, courts of Madrid) will resolve any disputes.** ## **Legal validity of an NDA: is it binding and does it have legal effect?** The short and straightforward answer is **yes**. **An NDA is fully valid, binding, and has full legal effect**. The **confidentiality agreement** enjoys full legal protection under the regulatory framework (such as the Trade Secrets Act in Spain and equivalent European regulations), provided that it has been drafted without unfair terms. To be enforceable in court, the contract must have the free consent of the parties, a lawful purpose, and a cause. Once consent has been given (especially if it is by means of an advanced electronic signature), the document becomes legally binding between the signatories. ### **Consequences of breaching an NDA** Breaching an **NDA agreement** carries extremely severe legal and financial repercussions, designed to act as a powerful deterrent: * **Immediate Precautionary Measures:** A judge may order the immediate cessation of the use, publication, or commercial exploitation of the stolen information. * **Damages:** Obligation to compensate the affected party financially. This covers both direct losses suffered and lost profits (the profits that the company failed to earn due to the leak). * **Penalty Clause:** Well-drafted NDAs include a pre-established financial penalty for breach. This exempts the affected party from having to prove the exact damage to the judge, as proving the leak is sufficient to enforce the penalty. * **Criminal Liability: In serious cases of industrial espionage, the leak may constitute a crime under the Criminal Code, carrying prison sentences.** ## **How to sign a confidentiality agreement: Traditional signature vs. electronic signature** In an environment that demands agility, printing and scanning confidentiality agreements causes delays and security risks, making digitization essential. To ensure their validity in the event of litigation, it is vital to choose the correct electronic signature under regulations such as eIDAS. These are the options for an NDA: #### **Handwritten signature** * **Characteristics: The** [**handwritten signature**](https://www.tecalis.com/blog/handwritten-signature-generator-how-to-create-maker) is made on a physical medium. Identity is based on physical presence. * **Validity for an NDA**: It is legally valid, but highly inefficient. Paper documents are difficult to store in the long term, easy to misplace, and, in the event of signature repudiation, require the hiring of expensive handwriting experts to prove their authenticity. #### **Simple electronic signature**  * **Characteristics:** A [**simple electronic signature**](https://www.tecalis.com/blog/electronic-signature-simple-what-is-definition-eidas-types-characteristics-differences-regulation) is electronic data attached to other data (e.g., checking a checkbox or inserting a scanned image of a signature into a PDF). * **Validity for an NDA:** It has a low level of security. It does not allow the signer to be unequivocally identified in some cases of use, so the other party may repudiate the contract in court and it would be left to the discretion of the judge. #### **Advanced Electronic Signature**  * **Features:** The [**advanced electronic signature**](https://www.tecalis.com/blog/advanced-electronic-signature-qualified-differences-use-cases) is unique, non-transferable, and under the exclusive control of the signer (e.g., SMS OTP or biometrics). It detects any subsequent alteration of the document. **Validity for an NDA: This is the standard for 99% of agreements. It offers maximum legal strength before a judge through _time_ stamping and irrefutable evidence of identity, place, and time. It is the most suitable for signing an NDA, and you can do so with [Tecalis Sign Business](https://www.tecalis.com/products/electronic-signature).** ## **How to digitize and streamline the signing of NDAs** Business agility should not compromise security. Companies that lead their industries have abandoned paper and manual processes, integrating legal technology (_LegalTech_) solutions for the management of their confidential agreements. Integrating leading platforms such as [**Tecalis Sign**](https://www.tecalis.com/products/electronic-signature) into corporate workflows allows the intention to sign an **NDA agreement** to be transformed into a 100% digital, secure, and automated process. The advantages of this comprehensive digitization include: 1. **KYC (**[**Know Your Customer**](https://www.tecalis.com/blog/kyc-know-your-customer)**) Identity Verification:** Before displaying the content of the NDA, the system may require the recipient to verify their identity using their ID and facial biometrics, ensuring that only the right eyes see the document. 2. **Integrated Electronic Signature:** Signing takes place in seconds without friction. Advanced Electronic Signature technologies are applied under [**eIDAS**](https://www.tecalis.com/es/blog/eidas-electronic-identification-trust-services) regulations, using two-factor authentication (SMS OTP) or biometric recognition. 3. **Traceability and immutable audit trail:** Each signature generates a probative document that records IP addresses, location, device, and exact time stamp. This audit trail is the definitive proof before a judge in case of contract repudiation. 4. **Automated archiving and compliance:** Signed documents are automatically encrypted and stored in accordance with the GDPR and the highest standards of corporate cybersecurity. **Digitizing the signing of your confidentiality agreements not only optimizes your business negotiation times, but also legally protects your company's most valuable secrets with the rigor demanded by today's global market.** --- ## eBook: Choosing an electronic signature solution I Tecalis **URL:** https://www.tecalis.com/ebooks-whitepapers/how-choose-electronic-signature-solution **Descripción:** Download our Electronic Signature free guide to discover which factors you need to have in mind when choosing the best solution for your business. Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: **Signature options** What type of signature should I choose for my use case?, what support does each one have?, do my clients feel comfortable with it? **Functionalities** Will I be able to do everything I need to do within the platform?, How do the electronic signature tools work?, Is it updated? **Integration** Can I integrate the solution into my systems in minutes?, if I don't have systems, can I still use it?, is my brand represented?, is my brand represented? Discover the electronic signature solution that best suits your needs --- ## eBook: Telco Overview I Tecalis **URL:** https://www.tecalis.com/ebooks-whitepapers/telco-overview-2023-2024-digital-customer-client **Descripción:** Find out with our "Telecom Overview" eBook how to digitally transform your sales channels to provide your clients a rapid and efficient response. Players in the telecommunications industry are going through a decisive time to **successfully define the approach they bring to the market**. In a **complex, changing and competitive background**, making the **right decisions** is the only way to **be relevant**, grow and not fail to **achieve goals**. This industry overview identifies the key points to work on and build upon in order to set a **sustainable and effective telecom business model**. Why do you need to consider these key points? **What are the expected KPIs for a profitable player in the industry?** Lagging behind is no longer an option. Learn how leaders are addressing end-to-end management of **proprietary and alternative channels to optimize conversion and product activation,** every aspect of **after-sales** and **scalable systems to achieve zero fraud and penalties**. **Exclusive data and information** where you will find a detailed perspective on: **Present time** A review of the current state of the market, the demands and needs of today's consumers, and acquisition models. **Digitalization** The challenges telecom businesses are facing and the technologies that are responding to them. How to achieve it without risk and in a sustainable way. **Future time** Where is the industry headed? An exploration of what the leaders will be doing in 2023 and what trends to expect. Get an overview of the situation --- ## eBook: BFSI Challenges. Fraud and CX | Tecalis **URL:** https://www.tecalis.com/ebooks-whitepapers/bfsi-fintech-banking-insurance-investment-acquisition-growth-clients-onboarding **Descripción:** Download our new eBook in BFSI industry and learn how to boost your conversion rate to face the Finance Services industry's main challenges. The current outlook is decisive: we are at a key moment in which **the industry is divided** between those who are leading growth in customer numbers and those who are finding it difficult to be sustainable. However, we are finding how this area is tending towards a **certain convergence** given the synergies enabled by **new ways of doing banking, insurance and financial services** and the new regulatory framework that is to come. This **industry overview identifies the key points** to work on and build upon in order to build a **sustainable and effective BFSI business model**. Banking, Financial Services, Insurance, Investments & FinTech **What are those who achieve objectives doing right?** From aggressive marketing strategies focused on acquisition to innovations in onboarding, acquisition, and retention processes have changed. Let’s analyze **what strategies are actually working**, the **profitability** of these actions, and how to perform them with scalable systems to **reach zero fraud and penalties**. **News** A review of the current state of the banking, financial, investment services and insurance industries. Find out what customers demand and the needs of today's users as well as the ways to attract them. **Methodologies** The way of doing banking or insurance is no longer the same. From regulatory compliance to the customer journey through the entire business operations, we are in a new reality. Find out how leaders have adapted. **Future** Will there be certainty in the near future? Whatever the environment, there are BFSI business models that are resilient to change and are leveraging it to grow. Discover the techniques and technologies they use. Get an overview of the situation --- ## eBook: Digital Identity and eSignature Trends | Tecalis **URL:** https://www.tecalis.com/ebooks-whitepapers/trends-digital-identity-digital-esignature-cases-use-cases-industries **Descripción:** A comprehensive analysis of the most relevant use cases in each sector. Key data and insights for sustainable and scalable businesses. **Identity verification and eSignature** systems have managed to **avoid SIM Swapping** in the telecommunications industry, enable **instant registrations** in banking or build **online self-check-in models** in the tourism sector. The possibilities of the new SaaS platforms are practically unlimited. This exhaustive analysis contains the **most relevant use cases in each sector and the insights** provided by their users. Explore the **techniques and tools** needed **for each operational function of the company**. Best practices of those who are exceeding marks **How to match market demands with my business’ characteristics and objectives?** Discover how agile process integration can help your business **increase sales, comply with regulations easily and save on costs**. **Exclusive data and information from our clients** where you will find a detailed perspective about: **Trends** The best professional practices and tools to enable high-risk transactions online, acquire more customers in less time while complying with regulations, or save operational costs in contracting. **Use Cases** How to transform tasks and processes? Create an effective commercial network with efficient front-ends and channel management platforms, easily send electronic notifications to your users or optimize your HR processes. **Know-how** Adapt your business to eIDAS, AML or PSD2 standards with ease. Regulatory compliance, expansion to other markets, onboarding, data protection, and conversion-assured contracting processes. Get a full overview of the situation --- ## eIDAS 2: The New European Digital Identity Impact **URL:** https://www.tecalis.com/ebooks-whitepapers/eidas2-eudi-wallet-european-digital-identity **Descripción:** A full analysis of eIDAS 2 and the new EUDI wallet, including impact on citizens and businesses. **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** **eIDAS 2 Regulation** We explain all the keys to understand the new version of the eIDAS regulation, the main changes it will involve, and the roadmap with the key dates of the standard. **EUDI Wallet** The EU digital identity wallet is the system proposed by eIDAS2. What features and applications will it have? How will it work? We answer all your questions about the new EUDI wallet. **Challenges and opportunities** We show you real use cases for the eIDAS 2 EUDI wallet, as well as the impact it will have on trust service providers. Discover how the new eIDAS2 regulation will affect you --- ## AI impacting your business | eBook | Tecalis **URL:** https://www.tecalis.com/ebooks-whitepapers/ai-artificial-intelligence-business-impact-areas-5-partners **Descripción:** Let’s explore 5 areas of your business that will be affected by Artificial Intelligence. **Artificial Intelligence (AI)** is no longer the future but the present in the day-to-day work of many businesses**.** **Understanding how it works and how it can help you** be more productive and agile is essential to be competitive in complex and challenging markets. In this ebook you will find all the **changes that have happened in different industries**, the **most demanding areas** where its **implementation can be easy and immediate** and affordable tools to **use this technology into your daily operations**. Why you need to use AI-based tools now **The fastest growing companies are already taking full advantage of AI**. Fortunately, thanks to **pay-as-you-go** solutions (SaaS), these tools can be **affordable** and don't require large upfront investments. Send and **draft contracts for esignature in seconds**, legally **sign up new customers** with **face and voice biometrics**, or perform **automated power of attorney validation** or **web screening** thanks to AI. **Explore a great variety the use cases for your business:** **Higher conversion rates** How can you apply AI to your sales and customer acquisition processes? Get more customers in less time at lower costs. **Automation and productivity** From document management to data analysis and anti-fraud controls, learn how to do more with less. **Regulation and compliance** Discover how new European and international regulations are shaping the use of AI Use inversion-free AI solutions from now on --- ## Crypto & trading: Digital ID, KYC and MiCA | Report | eBook **URL:** https://www.tecalis.com/ebooks-whitepapers/crypto-trading-crypto-assets-currencies-exchanges-mica-report **Descripción:** The crypto industry and trading platforms working with cryptoassets are transformed due to RegTech and MiCA. The c**ryptocurrency industry, trading platforms and fintech**s working with cryptoassets have undergone a key transformation due to **new identity and electronic signature solutions** along with the impact of the new **MiCA standard.** In this report-book you will find the **latest innovations and key transformations** taking place in the industry's leading players, **the challenges and opportunities posed by the new technological and regulatory framework** and the tools to address them. Industry report: More agile and secure crypto platforms, investors and businesses RegTech SaaS services are enabling **crypto companies and businesses to do more customers in less time at a truly optimized cost per conversion.** Explore all the tools being used by the fastest growers to **solve today's regulatory, acquisition and fraud challenges**. Find out all **about MiCA**, how it affects you and what **growth opportunities** you can take advantage of. **KYC/AML Onboarding** Comply with eIDAS and MiCA giving more security and a streamlined experience to your investors, users and clients. **Digital Signature** Investment contracts and certified notifications to seal your crypto transactions with regulatory support. **RegTech + MiCA** Automated compliance with the requirements imposed by the new European standard. Find out all the details. Access exclusive crypto industry data and insights here --- ## Bank scraping and reading: More secure and personalized onboarding | Whitepaper **URL:** https://www.tecalis.com/ebooks-whitepapers/bank-scraping-reading-scoring-kyc-kyb-aml-digital-onboarding **Descripción:** Bank reading, scraping and scoring systems integrated with KYC/AML onboarding tools provide security, expertise and agility. Digital transformation in **financial, insurance, real estate, crypto, telco or utilities industries** demands agile and secure methods to **validate customer information, understand their profile and verify their bank accounts**, something that is increasingly **demanded by regulations such as AML6 and PSD3 thanks to Open Banking.** **With the increase of digital onboarding processes**, bank verification and analysis of financial data and transactions has become an **essential element to prevent fraud, ensure compliance with onboarding processes (KYC, KYB, AML, eSignature eIDAS Contracting) and improve user experience**. Verify bank accounts and use automated credit scoring in your onboarding processes These systems and processes - **100% legal if performed by a RegTech QTSP player** and with the client's authorization - **allow us to offer higher quality services, at a lower cost and with minimized risk**. When combined with emerging technologies such as **artificial intelligence (AI), OCR, Open Banking and RegTech banking APIs**, they allow us to **extract, process and validate financial information from our users and customers in real time.** **Bank Scraping** Comply with eIDAS and MiCA giving more security and a streamlined experience to your investors, users and clients. Adapt easily and in an automated way to the new mandatory standard. **Bank Reading** Investment contracts and certified notifications to seal your crypto operations with regulatory backing. Learn about the results they have obtained and to which processes they apply. **Scoring, AI and transaction monitoring** Discover how you can grow your business, products and services with these ongoing techniques. Use cases and benefits in risk reduction, operational savings and improved KYC/AML compliance Discover how you can grow your business, products and services; save costs and comply with regulations using bank scraping. --- ### About Tecalis | How we are | Tecalis **URL:** https://www.tecalis.com/about-tecalis **Descripción:** Tecalis is a combination of technology, methodology and a unique culture to provide state-of-the-art digital solutions to the best companies. Tecalis combines technology, methodology, and unique culture to provide cutting-edge digital solutions to top companies. * We **simplify**, **optimize**, and **innovate** the way that millions of users engage with our technology in order to run **more efficient and productive businesses**. * We develop **digital products** that drive sustainability and growth, **keeping our customers ahead of the curve**. 15 **years in the market** 6 **offices worldwide** 20 **countries with Tecalis presence** 15 **industries with Tecalis solutions** Our pillars **Storydoing** We transform ideas into reality through technological innovation with confidence and determination. We don't just tell a story; we make and create it. We develop digital products that revolutionize the present and bring leading companies into the future. **Quality** Reliability, efficiency, and security set the tone for how we work. As a Trust Services Provider, we’re commited to the highest technical and regulatory standards. **Proximity** We talk with you person to person. We empathize with your and your customers’ needs in order to adapt and transform effectively. We’re here to be your partner, growing with you and for you. **Expertise** Our actions are lead by professionalism and knowledge. We spearhead digital projects for the best companies in all industries, providing adapted products that have allowed our clients to lead and expand. **Agility** By being adapted to the VUCA environment, we ensure that your company is always up-to-date. We are non-conformist, pioneering, and efficient. We enable endless transformation to improve over and over, and create the best solutions **Sustainability** We understand sustainability as an imperative. We integrate digital solutions in our clients’ organizations that make businesses scalable, sustainable, and efficient. The smartest decision is to be both responsible and viable. Why Tecalis What does Tecalis mean? **Product** Thanks to the agile methodologies of our teams, our products are constantly improving. We create new approaches to adapt them to the future through innovation. **Cutting-edge** Our solutions are ahead of market standards in terms of technology and features. And we don't just tell you about it, we can prove it to you. **Compliance** We help our clients comply with the most demanding regulatory standards (AML/KYC/eIDAS/GDPR/SCA/PSD2) through digitization. **Adaptability** We are experts in your industry and your use case, whatever it may be. We customize our services to your area, sector, and industry with tailored solutions that are adapted to you and your customers. **Talent** We nurture talent and create happy teams and projects. A happy project is a successful project. **Results** Our technologies have been endorsed by the most important companies in our country and abroad, with millions of operations. A responsible culture ## A responsible culture Tecalis is people-centric **Society** As a member of the United Nations Global Compact, we align our projects and operations with the ten universally accepted principles on human rights, labor, environment, and anti-corruption, and adopt measures based on the SDG Agenda 2030. We are working towards carbon neutrality. **Client's People** We work with ESG (Environmental, Social, Corporate Governance) criteria in our technology, and we practice SRI (Socially Responsible Investment). We’re the first company to obtain the CCII éTICa Seal for establishing specific policies for ethical development of our professional activity in projects. **Tecalis People** Wellbeing is a priority at Tecalis. We defend Human Rights with specific equality and diversity policies. We’re leaders in corporate volunteering at the top of the rankings of socially responsible companies. Our human capital is the star of the company's CSR work. Corporate Policies **Code of Ethics** Our set of values, principles, and criteria that guides our professional practice make us the first company to obtain the éTICa Seal. **Anti-Corruption Policy** Regulatory compliance at all times, under all circumstances, and in all regions is the basis for our work with the highest standards of responsibility. We ensure security and transparency in all our projects. **Quality and Security Policies** By implementing, validating, and standardizing specific methodologies in our Quality Management System (QMS), we establish controls to meet the highest-quality standards. Information Security policies and actions are included. **Provider Policy** Our suppliers and providers’ integrity and compliance in terms of labor, taxes, human rights, data protection, security, confidentiality, and environmental protection are mandatory. Our History **2011** Two technologists found Tecalis to make their mark through innovation. **2016** New vision and strategy to transform our structure and culture. **2017** International growth. Innovation Garage, our R&D engine, is born. **2018** 145th in the top FT 1000. Lean Model and Talent Wellness Awards. **2019** Tecalis LLC born in USA. Management and innovation awards. Top FT 1000. **2020** New strategic plan and objectives. We are awarded for our CSR policies. **2021** Trust Services Provider. Verification, KYC, Signature, and Automation. **2022** Tecalis Avatar Identity Technology: identifies avatars in the metaverse. **2023** 1º place of TOP RegTech companies in the top of Finnovating Awards 2022. --- #### The best Adobe Acrobat alternative: Tecalis Sign **URL:** https://www.tecalis.com/alternatives/adobe-acrobat-sign-digital-e-signature **Descripción:** Adobe Acrobat Sign holds great alternatives such as Tecalis Electronic Signature with better pricing and legal support. Digital signatures comparative. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Types of electronic signatures** 2 9 **Signer identity verification** **Mass mailings** **Forms, templates, and password protection** **Automated document drafting with AI-GPT** **Legal compliance with eIDAS & eIDAS 2** **Full branding and customization** **100% free plan** **Comment module in PDF and protection against editing** **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Adobe Acrobat Sign. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Adobe Acrobat Sign and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Adobe Acrobat Sign, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** In the realm of electronic signatures, two platforms stand out for their popularity and functionality: Tecalis and Adobe Acrobat Sign. **Both tools offer solutions for document management and digital signatures**, facilitating administrative and legal processes across various industries. However, while they share many features, there are **differences that may influence the choice of one over the other, depending on the specific needs of users and their companies**. **About Tecalis** Tecalis has positioned itself as an innovative platform that **goes beyond simple and traditional electronic signatures**. In addition to enabling the digital signing of documents with **full legal validity as a QTSP registered by the EU**, Tecalis offers a wide range of additional functionalities. These include **workflow automation, integrations with ERP and CRM systems, and advanced customization options to adapt to the specific processes of each company**. Security is another fundamental pillar of Tecalis, which employs state-of-the-art encryption technologies and **complies with the most demanding international standards**. **About Adobe Acrobat Sign** Adobe Acrobat Sign is a well-established solution that is **part of Adobe's paid ecosystem**. This tool allows for the signing of documents in a simple and efficient manner, integrating natively with other Adobe applications such as **Acrobat Reader and Adobe Creative Cloud**. Adobe Acrobat Sign stands out for its intuitive interface and installable program. However, **its main focus is on PDF reading**, with fewer customization options and legal support compared to Tecalis. **How to choose between Adobe Acrobat Sign and Tecalis?** The choice between Adobe Acrobat Sign and Tecalis largely depends on the specific needs of each user or company. While Adobe Acrobat Sign is a solid option, **Tecalis offers a broader set of functionalities that can meet more complex demands without the need to install programs**. From workflow automation to integration with multiple systems and top-tier security **with all PDF editing functionalities and field inclusion**, Tecalis provides a comprehensive solution that can significantly enhance operational efficiency. In conclusion, **Tecalis not only matches the capabilities of Adobe Acrobat Sign but also offers additional features that can be decisive for many organizations**. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try the platform before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **Will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Camerfirma - Infocert alternative **URL:** https://www.tecalis.com/alternatives/camerfirma-infocert-gosign-top-digital-electronic-signature-certificates-identification-onboarding-notifications **Descripción:** Tecalis is a great alternative to Camerfirma (Infocert) with GoSign and TOP that changes in price and functionalities. Check this comparison table. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types** 7 9 **Standard KYC identity verification on the platform** **eIDAS certified electronic notifications (e-notices)** **100% configurable and reusable templates and layouts** **Automated document drafting with AI-GPT** **Time stamping and legally binding QTSP-EU support** **Flows, API, document custody and SSO** **Full audit trail and evidence** **Scheduling, custom triggers and envelopes** **Verifactu electronic invoicing** **Supported countries** +190 +190 **Modular KYC onboarding and anti-fraud ID verification** **Automated proxy batching and ongoing monitoring** **Video conferencing or automated video ID option** **SEPBLAC, eIDAS and AML6 compliance** **Integrated eSign contracting and PSD2/3 bank scraping (open banking)** **Document processing and OCR 2nd Gen IA** **NFC, proof of life, facial matching and certificate validation** **Advanced KYB with AI screening & scoring** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Camerfirma. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Camerfirma and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Camerfirma. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Camerfirma. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Camerfirma, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. **Tailored to you** Unlike Camerfirma, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis **About Tecalis Sign** Tecalis is a **comprehensive platform solution for electronic signatures and the management of certified notifications, digital certificates and document custody**. It offers a wide range of functionalities that facilitate the management of documents and transactions in a secure and efficient way. Among its features are the possibility of **creating customized signature flows, multi-factor authentication and integration with other business applications through APIs**. In addition, Tecalis enables the use of advanced and qualified electronic signatures, **complying with eIDAS regulations**, which ensures the legal validity of signed documents with probable evidence in court or in the event of a dispute. The platform is also distinguished by its focus on **usability and user experience, providing intuitive and modern tools** for the management and monitoring of signature processes. This ease of use is complemented by advanced customization capabilities and advanced business functionalities, allowing companies to tailor the solution to their specific needs. **About Camerfirma (GoSign)** Camerfirma offers GoSign platform, which also **provides a set of functionalities for electronic signature and document management**. GoSign allows simple, advanced and qualified signatures. In addition, it offers the option of managing signature flows for both internal and external use, **allowing companies to optimize their document processes in the same way as Tecalis does**. GoSign Business and GoSign Pro are platform-specific versions. GoSign Business **facilitates the creation and management of signature flows in a web environment, enabling real-time validation and document management**. On the other hand, GoSign Pro offers additional functionalities such as **signing multiple documents simultaneously (similar to Tecalis envelopes)**, the inclusion of time stamps and the creation of signature sequences (sequential signature in Tecalis), all from a desktop or web interface. **How to choose between Camerfirma (Infocert) and Tecalis?** Comparing both solutions, **Tecalis stands out for its broader, more comprehensive approach and flexibility for businesses, offering not only the same functionalities as GoSign, but also additional features that facilitate more efficient and customized management of signature processes**. The ability to integrate with other enterprise applications via APIs and its focus on user experience make Tecalis a robust option for companies of various sizes and industries. In summary, **while Camerfirma's GoSign and Infocert provide a robust and reliable platform, these companies are more focused on issuing qualified certificates to individuals**. Tecalis offers a broader and more flexible set of tools, also allowing digital certificate signing but standing out as a preferable solution for those companies looking for a more advanced electronic signature management tailored to their specific needs. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. **About Tecalis Identity** Tecalis has positioned itself as an **comprehensive solution in the field of digital onboarding with an end-to-end approach to the customer journey, standing out for its flexibility and adaptability to different industies**. The platform offers a series of advanced functionalities, such as the **ongoing monitoring module, media screening with AI, global databases (PEP, AML...) or instant registration thanks to scoring and PSD3 bank scraping**. It also features biometric verification and integration with document management systems.  In addition, its **modular approach allows companies to customize every aspect of the onboarding process, optimizing the user experience and reducing verification times**. Tecalis also stands out for its compatibility with international standards, ensuring a high level of security and regulatory compliance. **About Camerfirma TOP & InfoCert** Camerfirma, with its TOP platform in collaboration with InfoCert, has established itself as a viable option in digital trust solutions. The TOP platform **offers video identification, OCR data extraction and analysis, and real-time document verification just like Tecalis**.  Its multi-channel approach and fully digital processes reduce paper usage and improve sustainability. Camerfirma ensures **strict compliance with eIDAS regulations and offers services such as AML ID for money laundering prevention and life detection to guarantee user authenticity in the same way as Tecalis Identity does**. **How to choose between Camerfirma (InfoCert) and Tecalis Identity?** Choosing between Camerfirma and InfoCert or Tecalis may depend on the specific needs of a company. **Tecalis stands out for its robust KYC (Know Your Customer) systems integration, fast identity verification and strong regulatory compliance, which makes it ideal for highly regulated industries such as banking, telecommunications, utilities and insurance**. On the other hand, Tecalis not only offers all these functionalities, but also incorporates **additional capabilities such as advanced biometric verification and greater flexibility to customize the onboarding process** according to the needs of each company. **While Camerfirma offers a solid and reliable solution, Tecalis is presented as an equally robust option but with the advantage of greater adaptability and advanced features such as KYB or scoring through finscore and bank reading** that can provide significant added value for companies seeking to optimize their onboarding and digital identification processes **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best DocuSign alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/docusign-electronic-signature **Descripción:** Alternatives to DocuSign can make a better deal in price and functionalities. Complete comparison table of the best eSignature tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Types of available electronic signatures** 3 9 **KYC Identity verification by series** **Certificate manager and KYB document validation** **100% configurable and reusable templates and layouts** **Automated document drafting with AI-GPT** **QTSP-UE and eIDAS support** **Web forms** **SMS and WhatsApp eSignature requests and sendings** **Simple API integration provided by the vendor** **Basic monthly plan price** €€€ €€ **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to DocuSign. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of DocuSign and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike DocuSign, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** **Tecalis and DocuSign are two leading platforms in the field of electronic signatures and digital document management**, each with its own characteristics and strengths. Although both offer advanced solutions for the digitization of hiring processes and digital signatures, there are **significant differences** that can influence the choice between one or the other. Find out more in the following questions. **About Tecalis Sign** Tecalis is a platform that stands out for its **comprehensive approach to document and process digitization**. It offers a **complete suite of tools** that go beyond electronic signatures, including **document management, workflow automation, and integration with either its clients' proprietary systems or third-party systems**. Its ability to adapt to the specific needs of each company on an ad-hoc basis and offer personalized solutions is one of its main strengths. Additionally, Tecalis ensures data security and privacy, complying with the strictest standards in this area such as **eIDAS 2, GDPR, and others**. **About DocuSign** DocuSign is a widely used platform in the market, and **its large user base encounters some friction in terms of support.** It primarily focuses on electronic signatures but does **not offer all types of signatures required to comply with regulations in regions like Europe**. While it facilitates the document signing process quickly and securely, **it lacks the same legal backing**. DocuSign also offers a variety of features and tools for document management and creation, though **no more relevant than any simple drag-and-drop text editor**. It may require additional integrations to fully adapt to the specific needs of a company. **How to choose between Tecalis and DocuSign** In terms of functionalities and features, **Tecalis and DocuSign offer many similarities**. Both platforms allow for electronic signatures, document management, and workflow automation. However, T**ecalis goes a step further by providing more personalized and tailored solutions to the specific needs of each company**, while **DocuSign** might require additional configurations or integrations to achieve the same level of customization as **it is designed for a simpler and more mass audience (individuals)**. Furthermore, Tecalis stands out for its focus on security, legal support as a Qualified Trusted Service Provider (QTSP), and data privacy, offering a platform that complies with the strictest standards in this area. This can be a decisive factor for companies seeking a secure, reliable, and truly functional solution for document management and electronic signatures. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Docuten alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/docuten-electronic-signature **Descripción:** Docuten and its alternative Tecalis offer different prices and tools. Check out a comprehensive table that analyzes these two leading signature platforms. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Types of available electronic signatures** 5 9 **KYC identity verification** **Signature delegation** **Configurable templates** **Automated document drafting with AI-GPT** **Qualified timestamp and UE-QTSP backing** **ERP Integrations** **Own mobile iOS and Android application** **Comments/negotiation module** **Price** €€€ €€ **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Docuten. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Docuten and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Docuten, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** Tecalis and Docuten are **two prominent electronic signature platforms that facilitate the management of digital documents** in the business environment. Both solutions are designed to optimize processes, improve security, reduce costs, and ensure the legal validity of electronic signatures. However, **there are key differences between the two that may influence the choice of one over the other**. **About Tecalis Sign** Tecalis provides a **robust and comprehensive platform for electronic signature and contracting**, standing out for its ability to integrate with a wide range of business systems and its **flexibility to adapt to the specific needs of each client**, from **electronic invoicing to human resources documents**. Tecalis not only complies with **eIDAS and GDPR** regulations but also offers advanced features such as biometric signatures, multi-factor authentication, and a highly customizable user experience. **About Docuten** Docuten is known for its focus on the digitalization of business processes through electronic signature and invoicing. It offers a solution that allows companies to **manage the automatic registration of food contracts with the AICA**. With this approach, Docuten stands out for its use of **electronic invoicing and specific use cases in labor or the food industry**. Therefore, its focus is less global and more specialized in these areas. **How to choose between Docuten and Tecalis** One of the advantages of **Tecalis is its focus on continuous innovation, incorporating new technologies and features that improve efficiency and security, as well as use cases of all kinds**. This constant evolution capability allows Tecalis to offer cutting-edge solutions, adapting to the changing demands of the market and providing added value to its clients. In summary, while **both platforms meet the basic requirements of an electronic signature solution**, **Tecalis offers a greater variety of advanced features and superior adaptability**, positioning it as a preferred option for companies looking not only to meet current standards but also to be prepared for the future. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Evicertia & Namirial alternative **URL:** https://www.tecalis.com/alternatives/evicertia-namirial-electronic-signature-communication-digital-identification-certified-onboarding **Descripción:** Evicertia - Namirial holds alternatives such as Tecalis. Take a look at this comparison table on price and signature and identity characteristics. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Types of electronic signature available** 3 9 **Free unlimited digital signature plan** **Remote signature, graphometric (biometric) signature and consents** **Secure storage and custody** **Automated document drafting with IA-GPT** **Qualified time stamping and QTSP-EU support** **Forms, payment request and document collection** **SMS, digital certificate and simple UX** **Simple API integration by the vendor itself and feedback module** **Verifactu electronic invoicing** **Supported regions** +190 +190 **Digital KYC onboarding and anti-fraud ID verification** **Automated notarization and ongoing monitoring** **Advanced facial matching and electronic certification** **SEPBLAC, eIDAS and AML6 compliance** **Electronic signature platform with GPT-AI** **Document processing and 2nd Gen OCR-AI** **Authentication gateway and modularity system** **Advanced KYB with AI screening & scoring** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Evicertia & Namirial. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Evicertia & Namirial and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Evicertia & Namirial. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Evicertia & Namirial. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Evicertia & Namirial, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. **Tailored to you** Unlike Evicertia & Namirial, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis **About this comparison** In today's environment, where digitization of processes is essential for business efficiency and security, **choosing the right e-signature platform is crucial. Tecalis and Evicertia (part of Namirial) are two leading competitors in this area**, offering robust and varied solutions for electronic signature management and other trust services. Below, we explore the features and advantages of each. **About Tecalis Sign** Tecalis stands out for its **wide range of solutions tailored to different risk levels and operational needs. It offers multiple layers of e-signatures, including basic no-cost options, two-factor authentication (2FA) signatures, biometric signatures** and KYC (Know Your Customer) certified options. This versatility allows companies to adjust the level of security and assurance depending on the type of transaction. In addition, Tecalis provides **additional functionalities such as real-time identity verification, automatic document collection and validation, and the generation of detailed audit reports, forms, templates and layouts**. Its platform also allows for ad-hoc integration with companies' existing systems, ensuring a personalized and seamless user experience. **About Evicertia & Namirial** Evicertia and Namirial are consolidated platforms in the market of electronic signature and certified communication services. They offer **simple, advanced and qualified electronic signatures, complying with eIDAS standards, just like Tecalis**. It also provides certified communication services, identity validation and secure document storage. Namirial, as a group, extends these capabilities with additional solutions in cybersecurity and trust services. The Evicertia/Namirial platform also integrates with other **enterprise tools and allows for signature workflow customization**, although flexibility in this regard may vary depending on the specific needs of the company. **How to choose between Evicertia (Namirial) and Tecalis** Choosing between Evicertia/Namirial and Tecalis depends on the specific needs of each company. While Evicertia and Namirial offer a robust and widely used solution, **Tecalis presents some additional advantages**. The ability to deeply customize the level of security, advanced identity verification options, and integration flexibility **make Tecalis an attractive option for companies looking not only to comply with regulations but also to optimize their processes with an adaptable and comprehensive eSign solution**. In summary, both Evicertia/Namirial and Tecalis are excellent choices for electronic signature and trust services. However, **Tecalis stands out for its focus on customization and adaptation to different risk levels in addition to providing a greater number of functionalitie**s, which can offer significant added value for companies looking for innovative and secure solutions for managing their digital transactions. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. **About this comparison** In the field of **digital identification, onboarding, certification and trust services**, it is essential to use robust and secure platforms. Two of the main options on the market are Tecalis and Evicertia or Namirial. **While both offer a robust set of functionalities, there are key differences that could tip the balance towards one or the other** depending on the specific needs of each company. **About Tecalis** Tecalis is an **end-to-end platform that encompasses a wide range of digital identification and certification services**. Its solutions include identity verification through biometrics and documentation with **KYB, KYC, AML, global lists and media screening, advanced electronic signature**, and advanced and customized **digital onboarding** services. It stands out for its focus on **flexibility and customization**. In addition, Tecalis offers support for multiple industries, including **banking, insurance, human resources and more**. Tecalis' platform is distinguished by its ability to **easily integrate with companies' existing systems**, which facilitates implementation and improves operational efficiency. Its focus on innovation is reflected in features such as multi-factor authentication and the use of artificial intelligence to improve the accuracy and security of its processes. **About Evicertia & Namirial** Evicertia and Namirial specialize in digital identification, electronic signature and **certification**. Their digital identification services are highly reliable, **complying with strict regulations such as SEPBLAC and BdE as well as Tecalis**, which makes them ideal for financial institutions and insurers. The electronic signature platforms of **Evicertia, Namirial and Tecalis allow the signing of documents from any device without the need for additional software with digital contracting for instant registration**. In addition, Evicertia and Tecalis offer **electronic certification services for the long-term custody of transactional records**, ensuring the integrity and legal validity of stored data. These solutions are particularly valuable for companies that handle large volumes of data and transactions. **How to choose between Evicertia (Namirial) and Tecalis** Both platforms present a robust set of functionalities, but **Tecalis may have the advantage in terms of innovative technology, flexibility and customization of its solutions**. While Evicertia excels in electronic certification, Tecalis offers a more seamless integration with existing enterprise systems and a broader approach. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Firmafy alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/firmafy-electronic-e-signature-business-eidas **Descripción:** Firmafy is different to alternatives such as Tecalis that can improve in price and functionality. Comparative table of digital signature. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types available** 3 9 **KYC identity verification** **Digital certificates manager** **Configurable and reusable templates** **Automated document drafting with AI-GPT** **eIDAS time stamp and regulatory support** **More than 6 evidences to guarantee identity and document validity** **SMS and certified email** **Comments and digital contracting tools** **Price** €€€ €€ **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Firmafy. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Firmafy and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Firmafy, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** **Electronic signature platforms have revolutionized document management in companies.** Tecalis and Firmafy are two of the leading tools, each with specific features and benefits. Below, we compare both platforms to highlight their functionalities and suggest which might be more suitable for different business needs. **About Tecalis Sign** **Tecalis stands out for its comprehensive, 100% legal, and customizable approach.** It offers multiple levels of security, from simple signatures to processes with biometric verification and KYC (Know Your Customer) for higher risk levels. Additionally, Tecalis complies with eIDAS regulations, ensuring the legal validity of its electronic signatures in the European Union. **Key features include five-year document custody, support for various types of signatures (simple, two-factor, certified, OTP via SMS, and biometric), and integration with existing enterprise systems.** These characteristics make Tecalis a robust and versatile solution for companies seeking flexibility and high security standards. **About Firmafy** **Firmafy focuses on simplicity and speed.** Its interface is straightforward without excessive functions and integrates popular tools like Google Drive and Dropbox, as well as other CRMs, similar to Tecalis. Firmafy also complies with eIDAS regulations, ensuring the legal validity of its signatures. **Firmafy offers an agile user experience for signing simple documents without much complication.** However, it may not have the same level of customization and advanced security as Tecalis. **How to choose between Firmafy and Tecalis** **Both platforms are solid options, but the choice will depend on the company's needs.** If a straightforward and easy solution is required but also highly customizable with multiple options for your business, Tecalis might be the most complete option, offering advanced functionalities such as identification methods and long-term custody. On the other hand, if simplicity is the priority, Firmafy could be sufficient. In conclusion, **while Firmafy offers efficiency and ease of use, Tecalis positions itself as a more robust and adaptable platform for each different user**, capable of meeting the security and customization needs of companies looking to grow and work with all types of documents. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Firmaprofesional alternative | eSignature **URL:** https://www.tecalis.com/alternatives/firmaprofesional-firma-profesional-electronic-signature-professional-business **Descripción:** Firma Professional and Tecalis are alternatives with different prices and features. Discover this comparative table of functionalities. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types** 4 9 **Automated scheduling and triggers** **Signature delegation, sequential mailings and envelopes** **Editable and reusable templates** **Automated document drafting with AI-GPT** **Full eIDAS support** **Qualified time stamping** **Sign documents with digital certificate** **Comments and digital contracting module** **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Firmaprofesional. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Firmaprofesional and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Firmaprofesional, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** **Electronic signature** is an essential tool for efficiency and security in managing business documents. Among the prominent platforms in this field are **Tecalis and Firmaprofesional, both offering high-quality solutions**. Here, we compare their key features and differences. **About Tecalis** Tecalis provides a **comprehensive platform for electronic signatures, notable for its variety of signature types such as biometric, OTP, and digital certificate​​**. Its customization capabilities allow for template creation, version management, and document commenting, facilitating adaptation to various business needs​​. Security is a priority at Tecalis, **compliant with eIDAS regulations and ensuring secure document storage** for five years. The platform also offers "Sign Free," **a free and permanent document signing service accessible to professionals** and small businesses, democratizing electronic signature use​​. **About Firmaprofesional** Firmaprofesional stands out for its focus on security and regulatory compliance, offering advanced and qualified electronic signatures, **along with timestamping and certificate validation services​ similar to Tecalis**​. Its robust **issuance and management of digital certificates are particularly useful for public administrations**, ensuring high security standards. **How to choose between Firma profesional and Tecalis** Both platforms excel in the field of electronic signatures. However, **Tecalis stands out for its accessibility and flexibility**, offering a free plan and customization options that better cater to the **specific needs​​ of both large multinational corporations and small businesses**. While Firma profesional is a solid and secure option, **Tecalis provides additional functionalities and greater adaptability**, making it an attractive alternative for those seeking a more accessible and personalized solution. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Jumio alternative - Identity Verification KYC **URL:** https://www.tecalis.com/alternatives/jumio-identity-kyc-verification-fraud-kyb-aml **Descripción:** Jumio and Tecalis identity verification solutions have become leaders in KYC and fraud mitigation. Check this comparison table before making a decision. **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b A **more affordable, simple and powerful** end-to-end tool. Everything you need to work with **customers or businesses**, users or employees, partners or suppliers. Discover key differences between the most relevant services these two players offer: **Eligible countries** +190 +190 **Ongoing risk monitoring in KYC/AML** **Automated KYB and Notarization** **Checks on public and private global databases** **Intelligent and customizable KYC flows and onboarding** **Comprehensive eIDAS e-signing and e-contracting platform** **Document processing and 2nd Gen AI-OCR** **Advanced anti-fraud controls: IP, Address, NFC, SMS...** **AI Media screening & scoring** **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Jumio. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Jumio. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Jumio, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis Identity **About this comparison** In the field of digital identity verification and fraud prevention, there are two solutions that stand out: Tecalis and Jumio. **Both platforms offer advanced tools for user identification and authentication, but present significant differences in terms of their functionalities and approaches**. Below, we examine the features and advantages of each, analyzing why Tecalis may be a preferable option for many organizations. **About Tecalis** Tecalis is distinguished by its **adaptability to diverse markets and contexts**. Its identity verification system combines artificial intelligence and machine learning technologies to provide a **fast and secure user experience**. The platform offers a **98.7% conversion rate and is designed to comply with all international regulations**. Tecalis capabilities include **KYC/KYB and AML verification for customer onboarding and instant activation**, **biometric** authentication with facial recognition and **eIDAS digital signature**. In addition, the platform enables workflow customization according to user needs, ensuring a frictionless experience in both online and physical channels. **About Jumio** Jumio is another leading digital identity verification platform, known for its accuracy and effectiveness in fraud prevention. It uses biometrics, artificial intelligence and machine learning to **verify identity documents and perform passive and active life checks just like Tecalis**. Jumio stands out for its ability to offer real-time identity verification services. However, while Jumio provides robust functionality, **its offering may not be as comprehensive or as customizable as Tecalis in certain key aspects**, such as adaptability to different highly regulated markets and integration of additional technologies such as NFC. **How to choose between Jumio and Tecalis?** Both Tecalis and Jumio are powerful platforms for identity verification and fraud prevention. However, **Tecalis stands out for its advanced functionalities, such as the incorporation of second-generation recognition technologies and support for behavioral and dynamic analysis**, offering a more complete and flexible solution for organizations seeking not only to comply with current standards, but also to be prepared for future innovations. In summary, while Jumio is a solid option, **Tecalis may be the better choice for companies looking for an adaptable platform with a wider range of advanced functionalities**. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Lleida.net alternative | e-Sign and KYC **URL:** https://www.tecalis.com/alternatives/lleida-net-electronic-signature-click-sign-communications-notification-e-kyc-contract-validation **Descripción:** Lleida.net (Click & Sign) and Tecalis are 2 digital signature, notification and validation platforms with different prices and features. Comparative table. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **KYB: A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types** 5 9 **Advanced KYC identity verification as standard** **eIDAS electronic notifications and QTSP-EU legal support** **100% configurable and reusable templates and layouts** **Automated document drafting with AI-GPT** **Electronic signature and contracting platform (Tecalis Sign & Click&Sign)** **Email, SMS and certified invoices** **Digital certificate manager** **100% free plan: send notices and sign documents** **Verifactu electronic invoicing** **Supported countries** +190 +190 **Video identification and eKYC onboarding or videoconferencing** **Automated notarization and power of attorney validation** **OCR, data validation and ID documents** **SEPBLAC and AML compliance, 2FA authentication** **AI advanced KYB, screening, KYC scoring and AML global lists** **Advanced document processing and 2nd Gen OCR-AI** **Integrated eContracting platform and biometrics** **PSD3-compliant bank scrapping and reading** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Lleida.net. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Lleida.net and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Lleida.net. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Lleida.net. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Lleida.net, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. **Tailored to you** Unlike Lleida.net, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis **About this comparison** In electronic signatures and certified notifications, companies such as Lleida.net and Tecalis have stood out for offering **innovative and secure solutions**. **Both platforms allow the digital signature of documents and the certification of communications, which guarantees their legal validity and saves time and resources**. Below, we explore the functionalities and features that each of these companies offers, highlighting the particularities that differentiate them. **About Tecalis** Tecalis has positioned itself as a robust and flexible platform in the field of electronic signatures and certified notifications. Its electronic signature service is **complete and easy to integrate into various systems thanks to its advanced API**. It allows **multiple signature methods**, including simple, advanced and qualified signature, which are tailored to the specific needs of each client. In addition, Tecalis offers **multi-factor authentication (MFA) and identity verification through biometric recognition technologies, which raises the level of security**. **Customization** is another of Tecalis' strengths, allowing companies to adapt signature processes to their corporate image. It also offers **additional functionalities such as data validation and identity management**, ensuring greater accuracy and security in every transaction. Its user-friendly interface and the availability of efficient technical support complete a very competitive offer in the market. **About Lleida.net (Click&Sign)** Lleida.net - within its Click & Sign platform  provides a solution for electronic signature. Lleida.net's outstanding functionalities include the possibility of **sending documents in bulk, the customization of signature processes with forms, and the easy integration with other systems through its API, just like Tecalis**.  The platform supports **14 languages**, which facilitates its use in international environments. In addition, Lleida.net offers certified **electronic notification services, both by e-mail and SMS, guaranteeing the legal validity of communications and the sending of invoices with certified methods such as Tecalis**. **How to choose between Lleida.net (Click&Sign) and Tecalis** When comparing Lleida.net and Tecalis, **both platforms prove to be solid options** for electronic signature and certified notifications. Lleida.net stands out for its long history and the robustness of its notification services, being a reliable option. **Tecalis, on the other hand, not only offers the same functionalities as Lleida.net, but also incorporates additional features such as biometric authentication and advanced identity verification, in addition to offering a free version**. These innovations can be crucial for companies looking for an extra level of security and personalization in their processes. In summary, although Lleida.net is a stable and reliable option, **Tecalis brings a plus in security and flexibility** that may be more attractive for companies with specific needs for personalization and advanced authentication. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. **About this comparison** In the field of digital **identity, eKYC and data validation**, there are several relevant players, but Lleida.net and Tecalis stand out. **Both companies offer very capable solutions, but there are key differences in their functionalities and approaches**. In this analysis, we will compare the features and benefits of each platform. **About Tecalis** Tecalis has positioned itself as an **advanced and versatile end-to-end platform in the field of digital identity and data validation. It offers eKYC, KYB, AML solutions and advanced anti-fraud controls including identity document verification, facial recognition and biometrics**, ensuring an accurate and secure identification process by analyzing behavior and connecting to **global databases**. In addition, Tecalis integrates **legally valid electronic signature functionalities**, email certifications and two-factor authentication, ensuring security and compliance in all digital transactions. One of Tecalis' distinctive advantages is its focus on **user experience**. The platform is highly **intuitive**, making it easy to integrate into various business applications seamlessly. Tecalis also stands out for its **customizability, allowing companies to tailor solutions to their specific needs**, and offering **multilingual support** to ensure global applicability. **About Lleida.net** Lleida.net is a company with a solid track record in the certified electronic communications market. Its offer includes solutions such as the Click & Sign electronic signature platform, which **allows signing documents in a fast and legally valid way, as well as two-factor authentication to increase security in the access to systems and applications**. In addition, Lleida.net provides various types of **digital certificates ranging from certificates for individuals to electronic seals for legal entities, facilitating a wide range of secure digital transactions thanks to its simple eKYC system**. The company is also distinguished by its ability to send certified communications via SMS and email, which adds an additional layer of security and traceability in electronic interactions. **How to choose between Lleida.net and Tecalis** While **both Lleida.net and Tecalis offer complete and reliable solutions for digital identity and data validation, Tecalis stands out for its comprehensive, adaptable and more complete approach**. Tecalis not only provides the same functionalities as Lleida.net, such as electronic signature and two-factor authentication, but also **extends its offering with advanced facial recognition and biometrics technologies along with many KYB aspects**, as well as greater customization and integration capabilities. In terms of usability and flexibility, **Tecalis appears to offer a more robust experience tailored to the specific needs of each company, user and channel, which can be a deciding factor for those organizations looking to not only meet current standards**, but also prepare for future demands in the digital realm. In conclusion, while Lleida.net is a reliable and proven option, **Tecalis provides a more advanced, capable and flexible platform,** which could represent a better long-term investment for companies looking for innovation and adaptability in their digital identity and eKYC solutions. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Logalty alternative - eSignature, Digital ID **URL:** https://www.tecalis.com/alternatives/logalty-electronic-signature-contracting-digital-notifications-communications-identification **Descripción:** Logalty and Tecalis differ in price and features. Explore this comparison chart of the best QTSP tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 349.1 local 2023-02-14T17:26:43.000Z 2024-09-24T13:38:30.000Z KYB infographic of its performance 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 245 135 36.27 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 1000 552 324.29 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 750 414 202.33 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 500 276 105.78 4b70aa08-7c31-5d27-aa94-badd18ee734a **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types** 7 9 **KYC/KYB identity verification in the same flow (by-series)** **Certified communication and eIDAS e-notices** **100% configurable and reusable templates and layouts** **Automated document drafting with IA-GPT** **Qualified time stamping and QTSP-EU support** **E-contracting, digital certificate signing** **E-fax, email and certified SMS** **Easy API interaction by the same provider** **Price** €€€ €€ **Supported regions** +190 +190 **Attended and unattended digital video identification** **Automated notarization, AML and AI-based KYC** **OCR, ID documents verifications and NFC support** **Operator video conferencing options** **Advanced KYB, AI-powered screening and global lists** **Advanced document processing and 2nd Gen AI OCR** **Advanced audit trail and EU-QTSP legal support** **PSD3 compliant bank scrapping and reading** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Logalty. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Logalty and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Logalty. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Logalty. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Logalty, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. **Tailored to you** Unlike Logalty, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis **About this comparison** In the market for **electronic signatures, certified notifications, digital contracting and digital identity**, two major players are Logalty and Tecalis. Both platforms offer robust and secure solutions for the **signature and validation of electronic documents, but present significant differences in their functionalities and approaches**. This comparison looks at their key features. **About Tecalis** Tecalis is distinguished by its **comprehensive and adaptable approach** to various sectors, including finance, insurance, and legal services. The platform offers a variety of **electronic signature services: simple, advanced and qualified, complying with eIDAS, AML6 or PSD3 regulations**. One of its most outstanding features is biometric identification and **secure e-contracting, which ensures highly reliable identity verification and minimizes the risk of fraud**. In addition, Tecalis provides integration with all types of platforms and systems, facilitating the signing of documents in collaborative and remote environments. The Tecalis solution **not only facilitates document signing, but also enables complete contract management and document process automation**, resulting in greater operational efficiency. The platform also offers **real-time audit and traceability** tools, ensuring transparency and security in all transactions. **About Logalty** Logalty is known for its strong commitment to legal security and technological innovation. It offers a **wide range of electronic signature services, including qualified signature and qualified electronic seal, as does Tecalis**. Logalty also offers certified notification and consent management services. One of Logalty's recent innovations is the integration of its electronic signature and identification technology into Microsoft Teams, which **allows contracts to be signed by video call, ensuring the identity of signatories and combating online fraud just as Tecalis does with its proprietary KYC** solution integrated into the signature platform. It has a robust n**otary deposit and document custody system**. **How to choose between Logalty and Tecalis?** When comparing the two platforms, **Tecalis shows an improvement in terms of adaptability and additional features**. While Logalty offers robust legal security and has innovated integration with Microsoft Teams, **Tecalis provides greater flexibility with its biometric identification and video call services, and seamless integration into diverse work environments of all types at the request of its customers**. In addition, Tecalis combines these functionalities with **advanced contract management and process automation tools**, which not only match but exceed Logalty's capabilities in terms of efficiency and usability. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. **About this comparison** In the realm of **digital identity, user verification, and process automation**, companies like Tecalis and Logalty offer advanced and secure solutions. **Both platforms stand out for their functionalities, but upon detailed examination, notable differences can be identified, especially in their KYC (Know Your Customer) systems**. **About Tecalis** Tecalis is a **comprehensive platform with strong specialization in identity verification KYC/KYB/AML and process automation**. Its KYC system is robust, utilizing **advanced proprietary technologies such as facial recognition, document validation with reconstruction technology, and both active and passive liveness tests** to ensure user authenticity, among many other features. Tecalis stands out for its flexibility and customization, allowing **intelligent workflows that adapt to device characteristics and user needs in real time**. The platform also offers an automated approach to **managing cross-device verification processes**, allowing users to resume from where they left off on any device. This, along with its capability to integrate with multiple systems and international regulations, makes **Tecalis a highly efficient and adaptable option for various industries**. **About Logalty** Logalty, on the other hand, also offers a KYC system. **Its approach is more traditional, with a strong reliance on digital custody and reliable notification**. Logalty ensures the integrity and authenticity of documents through identity verification methods that, while effective, **may be less dynamic and flexible compared to those of Tecalis**. Its offering may lack the intelligent automation and customization that characterizes Tecalis in digital onboarding KYC processes. Additionally, there is no information on its website regarding KYB technologies, global listings, AML controls, and other important aspects. **How to choose between Logalty and Tecalis?** When comparing Logalty and Tecalis, **both platforms excel in the field of identity verification and digital security. However, Tecalis distinguishes itself through its focus on intelligent automation and the personalization of the KYC process**, which allows for a smoother and more efficient user experience. Tecalis' ability to adapt to the specific needs of each client and sector, along with its integration of advanced identity verification technologies, provides a level of flexibility, legal validity, and speed that can be crucial for many businesses. On the other hand, Logalty remains a solid option for organizations that prioritize electronic signature and do not seek as much flexibility and personalization. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Signicat alternative | e-ID & eIDAS eSignature **URL:** https://www.tecalis.com/alternatives/signicat-identity-verification-fraud-onboarding-kyc-electronic-signature-authentication **Descripción:** Tecalis and Signicat are different solutions regarding price and features. Explore this complete identity verification and authentication comparison table. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 349.1 local 2023-02-14T17:26:43.000Z 2024-09-24T13:38:30.000Z KYB infographic of its performance 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 245 135 36.27 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 1000 552 324.29 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 750 414 202.33 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 500 276 105.78 4b70aa08-7c31-5d27-aa94-badd18ee734a **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types available** 3 9 **KYC identity verification as standard on web platform** **Comment module and multilingual interface** **100% configurable and reusable templates, forms and layouts** **Automated document drafting with AI-GPT** **Time stamping and legally binding QTSP-EU support** **Cross-border international document signature** **Full audit trail and evidence reports** **Scheduling, customized behaviors and envelopes** **Verifactu electronic invoicing** **Countries supported** +190 +190 **Full orchestration and onboarding with KYC, KYB and AML controls** **Notarization and power of attorney verificaction** **Global public and private data sources and risk** **SEPBLAC, eIDAS and AML6 compliance** **Electronic signature platform with GPT-AI** **Advanced document processing and 2nd Gen OCR-AI** **Face biometrics, NFC compliant and ongoing monitoring** **Advanced KYB with AI screening & scoring** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Signicat. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Signicat and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Signicat. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Signicat. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Signicat, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. **Tailored to you** Unlike Signicat, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Preguntas frecuentes sobre Tecalis **About this comparison** In electronic signature services and notifications, there are multiple platforms that offer solutions of all kinds. Among them, **Signicat and Tecalis stand out for their advanced functionalities and their ability to adapt to various business needs**. Although both platforms are highly competent, a closer look reveals nuances that may make Tecalis perceived as a more complete option. **About Tecalis** Tecalis has emerged as a **comprehensive solution in the field of electronic signatures and certified notifications**. Its platform is characterized by an **intuitive interface and an exceptional user experience**. Tecalis not only enables secure **document signing in compliance with international legal regulations, but also offers a range of additional functionalities such as digital identity verification**, process automation and integration with ERP and CRM systems.  Its focus on innovation and **service customization allows it to adapt to the specific needs of each client with advanced functionalities**, **100% secure e-contracting** and seamless API integration, making digital transactions more fluid and efficient. **About Signicat (Dobokit)** Signicat, known for its reliability and security, has been - together with Tecalis - one of the pioneers in the digital identity and electronic signatures industry. The platform provides services such as **authentication, document signing and identity verification**. Signicat stands out for its **wide geographical coverage especially in the Nordic countries** and its ability to comply with various European regulatory standards.  However, **its approach tends to be more generalist, offering robust but perhaps less customizable solutions than Tecalis**. Integration with other platforms are strengths of Signicat, ensuring that companies can implement their services without major complications. **How to choose between Signicat and Tecalis** When comparing Signicat and Tecalis, it is clear that both platforms are leaders in the market for electronic signatures and certified notifications. **Signicat is a reliable option but Tecalis offers a more diversified and adaptable set of functionalities, with a particular focus on customization and automation**.  In addition to complying with all security and legality regulations, **Tecalis stands out for its advanced integration capabilities**. In conclusion, for companies seeking not only security and compliance, but also flexibility and customization, Tecalis emerges as a superior option. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. **About this comparison** In the world of **digital identification and onboarding process orchestration**, Signicat and Tecalis stand out as industry leaders. Both platforms offer robust and diverse solutions designed to **improve security, efficiency and user experience in the digital realm and their transactions**. Below is a detailed comparison of these two platforms, highlighting their features and functionalities. **About Tecalis** Tecalis is an innovative platform that **specializes in digital identification, onboarding and KYC/KYB verification solutions**. The platform is characterized by its ability to **adapt to different business needs**, offering a seamless and secure **user experience**. Tecalis integrates **multiple methods of identity verification**, including **biometrics, video identification and document verification**, ensuring maximum accuracy, compliance with the highest standards and security at every step of the process. One of Tecalis' strengths is its f**ocus on automation and flexibility**. The platform enables companies to design **customized and optimized workflows** to meet specific compliance and security requirements. In addition, Tecalis offers easy integration with existing systems, making it easy to implement and manage. **About Signicat** Signicat, on the other hand, is a robust digital identification and identity management services platform. **The platform provides access to more eID methods and more than 130 data verification sources (unlike Tecalis' +500)**, making it one of the most complete solutions on the market, but without achieving comprehensive controls due to the lack of real-time AI screening. Such as Tecalis, Signicat stands out for its ability to meet the strictest compliance standards, including **KYC, AML and eIDAS**, making it ideal for highly regulated industries. The platform also offers a **codeless flow creation tool, Signicat Mint (similar to Tecalis Identity)**, which enables companies to quickly design and deploy digital identity workflows without the need for advanced technical expertise. **How to choose between Signicat and Tecalis** Both platforms have impressive features and a solid reputation in the market. However, **Tecalis offers flexibility and customization that can be advantageous for companies looking for a more adaptive, user-driven solution**. While Signicat is a good choice, Tecalis provides an equally robust experience but with greater ease of integration and workflow customization. In summary, **while Signicat is a comprehensive and reliable platform, Tecalis not only matches these capabilities, but also offers additional advantages in terms of adaptability, functionality and ease of use**, making it a very attractive option for companies looking for efficiency and flexibility in their digital ID, recruiting and onboarding processes. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Mitek alternative - Identity Verification KYC **URL:** https://www.tecalis.com/alternatives/mitek-digital-identity-verification-platform-authentication-fraud-kyc-aml **Descripción:** Mitek and Tecalis verify digital identities and perform customer onboarding. Check this comparative table of their solutions. **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b A **more affordable, simple and powerful** end-to-end tool. Everything you need to work with **customers or businesses**, users or employees, partners or suppliers. Discover key differences between the most relevant services these two players offer: **Supported countries** +190 +190 **KYC/AML digital onboarding platform** **KYB and automated notarization** **Capture and validation of identity documents from any country** **Advanced biometric authentication, address and open banking** **Complete eIDAS signature and e-contracting platform** **AI document processing and 2nd Gen OCR** **Age verification, videoconferencing option, geolocation, etc.** **AI media screening & scoring** **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Mitek. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Mitek. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Mitek, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis Identity **About this comparison** In today's world, where digitization of processes is crucial, **digital identification and anti-fraud platforms such as Tecalis and Mitek play a key role**. Both companies offer advanced solutions to verify identities and prevent fraud, but have approaches and features that set them apart. **About Tecalis** Tecalis stands out for its **comprehensive and highly customizable approach to digital identity management and new customer activation. Its platform not only encompasses KYC, KYB and AML-compliant identity verification**, but also integrates process automation (RPA), sales and channel management, and unified **e-signature under the same platform**. Tecalis enables the creation of customized workflows, making it easy to adapt to the specific needs of each business. In addition, its **fraud prevention technology has proven to be highly effective, achieving almost 99% effectiveness** in fraud prevention and a significant increase in user conversion. **About Mitek** Mitek is known for its robust identity verification and facial recognition technology. The platform uses artificial intelligence and machine learning to **provide accurate and fast solutions, mainly in document verification and facial biometrics**. Mitek has established itself as a **leader in fraud detection such as Tecalis, working predominantly with financial institutions and insurers** to improve their digital onboarding processes and comply with current regulations. **How to choose between Mitek and Tecalis** While Mitek offers a robust and reliable solution for identity verification, **Tecalis goes a step further by providing a multifunctional platform that encompasses more than just identity verification**. Tecalis not only complies with KYC and AML verification standards, but also integrates **additional functionalities such as process automation and contract management**, making it a more versatile and adaptable option for companies looking for an all-in-one solution. In conclusion, both Tecalis and Mitek are powerful platforms in the field of digital identification and fraud prevention. However, **Tecalis offers a more comprehensive and customizable suite of tools,** which may position it as a superior option for certain companies looking to maximize efficiency and security in their digital processes. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Onfido alternative - Identity Verification **URL:** https://www.tecalis.com/alternatives/onfido-identity-verification-fraud-kyc-biometrics-onboarding **Descripción:** Onfido can improve on Tecalis in price and certain features. Complete ID verification and anti-fraud comparison table. **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b A **more affordable, simple and powerful** end-to-end tool. Everything you need to work with **customers or businesses**, users or employees, partners or suppliers. Discover key differences between the most relevant services these two players offer: **Supported regions** +190 +190 **Advanced biometrics, AI and age verification** **Automated Power of Attorney Verification and Notarization** **Customer onboarding and enrollment** **ID-based eIDAS Regulation compliance** **Complete eIDAS e-signing and e-contracting platform** **Document processing and 2nd Gen AI-OCR** **Driver's licenses and mobility IDs support** **Advanced KYB with AI screening & scoring** **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Onfido. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Onfido. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Onfido, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis Identity **About this comparison** Tecalis and Onfido are **two leading platforms offering advanced solutions in identity verification and anti-fraud controls**. Below, we present the distinctive features of each to help users choose the one that best suits their business needs. **About Tecalis** Tecalis stands out for its **comprehensive (cross-channel) and flexible approach**. It supports over 190 countries and complies with **regulations such as AML6, eIDAS, and PSD2/SCA**. Its advanced features include **both active and passive biometric verification, NFC support, and digital certificates**. Tecalis also provides **KYB validation**, address and age verification, and **electronic signatures for an end-to-end onboarding process**. One of Tecalis' strengths is its **second-generation OCR technology with AI** and its **bank reading module**, which allows for highly **accurate form auto-completion and risk scores**. Additionally, the platform focuses on providing a frictionless user experience, making onboarding quick and efficient. It also offers multi-factor authentication (MFA) and top-level anti-spoofing controls to operate under any risk level. **About Onfido** Onfido is known for its document verification and facial biometrics technology. It **supports a wide range of documents from different countries, similar to Tecalis, and offers flexible API integrations** for various business applications. Onfido excels in fraud prevention and process automation, using machine learning to continually improve accuracy and efficiency. Onfido **also provides multi-factor authentication and complies with international security and privacy regulations**. Its intuitive user interface and real-time analysis capabilities make implementation straightforward. **How to choose between Onfido and Tecalis** Both platforms offer robust and reliable solutions. However, **Tecalis stands out for its flexibility and customization capabilities**, making it better suited to a wider range of use cases and specific industry needs.  In summary, while Onfido is a solid option, **Tecalis offers additional features and greater adaptability**, making it the preferred choice for companies seeking a comprehensive and customizable identity verification and authentication solution. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Sumsub alternative - KYC/KYB Verification **URL:** https://www.tecalis.com/alternatives/sumsub-verification-kyc-kyb-identity-fraud-users-business-monitoring **Descripción:** Sumsub and Tecalis differ in functionalities and pricing. Explore this ID verification, KYB, KYC, AML and anti-fraud comparison table. **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **KYB: A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b A **more affordable, simple and powerful** end-to-end tool. Everything you need to work with **customers or businesses**, users or employees, partners or suppliers. Discover key differences between the most relevant services these two players offer: **Eligible countries** +190 +190 **Age, address and blocklist verifications** **Notarization and power of attorney verification** **AML Screening, PEP lists & adverse media** **Authentication, MFA and biometrics system** **Complete eIDAS e-signing and e-contracting platform** **Document processing and 2nd Gen AI-OCR** **Fraud monitoring: behavioral, IP, NFC, ongoing...** **Advanced KYB: AI-screening & scoring** **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Sumsub. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Sumsub. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Sumsub, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis Identity **About this comparison** Tecalis and Sumsub are **two robust platforms for user and business verification, each with unique features that make them stand out in the fraud prevention market**. Both offer leading solutions to ensure security and regulatory compliance, but they present key differences that can influence user choice. **About Tecalis** **Tecalis is characterized by its flexibility and customization capabilities.** It offers a comprehensive range of services, including document verification, biometric authentication, electronic signature, and business management. The platform supports over 190 countries and complies with stringent regulations like AML6, eIDAS 2, and PSD3/SCA, among many others. **Integration with existing systems is seamless thanks to its APIs**, and its advanced OCR technology with AI and computer vision ensures precision and efficiency in both KYC and KYB processes. Additionally, **Tecalis provides 24/7 support and highly customizable workflows**, making it ideal for companies seeking an adaptive and scalable solution. **About Sumsub** **Sumsub is known for its global reach and its ability to handle verifications.** Its platform offers identity verification, AML, and KYB solutions, using advanced facial recognition technologies and behavioral analysis to ensure the authenticity of verified identities. Sumsub stands out for its focus on automation and efficiency, providing analytical and case management tools that allow companies to optimize their verification processes and ongoing monitoring, similar to Tecalis. Furthermore, **Sumsub complies with international security standards like SOC 2 and PCI DSS**, ensuring a high level of fraud protection. **How to choose between Sumsub and Tecalis** When comparing Tecalis and Sumsub, both offer comprehensive and effective solutions, but **Tecalis excels in flexibility and customization of digital onboarding workflows from start to finish, including activation with electronic signatures**. While Sumsub is ideal for companies with global needs and a focus on automation, **Tecalis offers seamless integration and more personalized support**. For organizations that value adaptability and ad-hoc technical support, **Tecalis presents an advantageous proposition with additional features that can be decisive**. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Veridas alternative - KYC/KYB Verification **URL:** https://www.tecalis.com/alternatives/veridas-identity-verification-kyc-authentication-biometrics **Descripción:** Tecalis is an alternative to Veridas regarding nice price and certain propietary functions. Complete identity verification and authentication comparison table. **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b An **affordable, simple and powerful** end-to-end platform. Everything you need to work with **customers or businesses**, users or employees, partners or suppliers. Discover key differences between the most relevant services these two players offer: **Supported regions** +190 +190 **Advanced biometrics, authentication and age verification** **Propietary Automated Notarization & Powers of Attorney** **Access control and online check-in** **SEPBLAC & BFSI regulators compliance** **eIDAS complete electronic signature and contracting platform** **Document processing and OCR** **Supported NFC technology** **Advanced KYB - Tecalis AI screening & scoring** **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive solution. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from a best-in-class onboarding solution. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis Identity **About this comparison** Identity verification and authentication have become essential technologies in today's digital world, and two leading platforms in these areas are Tecalis and Veridas. Both offer innovative and secure solutions, but **have significant differences that can influence the choice of users and enterprises**. Below, we explore the features of each to help you decide which is the best option for your specific needs. **About Tecalis** Tecalis has positioned itself as a **leading identity verification platform thanks to its comprehensive and highly flexible approach**. It offers a wide range of services including **document verification, facial biometrics, KYB checks and multi-factor authentication**. One of the outstanding advantages of Tecalis is its **intelligent risk scoring and bank scraping/reading technology** in compliance with PSD3 standards. In addition, Tecalis stands out for its **document processing system**, being able to analyze all types of documentation (identity or other such as invoices, receipts, deeds, etc.) with structured and unstructured data thanks to second-generation OCR technology with AI. **About Veridas** Veridas, on the other hand, also offers interesting identity verification and authentication solutions. Its services cover document verification and biometrics, similar to Tecalis. Veridas is known for the accuracy and reliability of its **access control systems**. However, in terms of flexibility and integration, Tecalis can deliver ad-hoc projects in order to adapt to pre-existing systems as it also is a consultancy firm and digital transformation agency, not just a SaaS. Tecalis aslo has a proprietary **RPA** system to address some events. **How to choose between Veridas and Tecalis** When comparing both platforms, Tecalis offers the same essential functionalities as Veridas, providing full **flexibility and comprehensive analysis of KYB, KYB and AML due digiligent processes**. While Veridas ensures high accuracy and reliability for example in voice biometrics, **Tecalis** stands out for its ability to **better adapt to the specific needs of companies with ad-hoc projects**. Therefore, for those looking for a comprehensive and adaptable solution without compromising security, Tecalis emerges as an interesting or equally competent option with benefits that can be decisive. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Veriff alternative - KYC Identity Verification **URL:** https://www.tecalis.com/alternatives/veriff-identity-verification-kyc-biometrics-fraud-onboarding **Descripción:** Let’s compare price and functionalities to decide between Veriff and Tecalis. Complete table on verification and Know Your Customer solutions. **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b A **more affordable, simple and powerful** end-to-end tool. Everything you need to work with **customers or businesses**, users or employees, partners or suppliers. Discover key differences between the most relevant services these two players offer: **Eligible countries** +190 +190 **Advanced biometrics and age verification** **Bank scrapping/reading and PSD3 support** **Address proof validation** **Intelligent fraud prevention, risk score-based** **eIDAS comprehensive e-sign and contracting platform** **Document processing and 2nd Gen IA-OCR** **Full digital onboarding platform and AML checks** **Advanced KYB: AI screening & scoring** **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Veriff. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Veriff. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Veriff, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis Identity **About this comparison** Regarding identity verification and anti-fraud controls, **Tecalis and Veriff are two leading platforms that offer advanced solutions** to ensure security in digital identification processes. Let’s dive into a comparison between both, highlighting their key features and functionalities. **About Tecalis** Tecalis stands out for its **comprehensive and flexible approach, offering identity verification with biometrics and real-time streaming, document verification, and regulatory compliance** tailored to regional standards. It leverages artificial intelligence and machine learning to ensure high precision and efficiency. Tecalis is known for its **ability to customize flows**, allowing adaptable integration across various sectors, from banking to telecommunications. Moreover, it supports over 190 countries and **complies with regulations such as AML6, eIDAS, and PSD3/SCA**, making it a robust choice for global enterprises. **About Veriff** Veriff is recognized for its global scalability and high accuracy rate. **Similar to Tecalis, it supports verification of various types of identity documents, with intelligent operations in 48 languages**, ideal for internationally-reaching companies. Veriff utilizes **advanced biometrics analysis and liveness detection** techniques to ensure user authenticity. It also offers customization options and provides detailed risk reports to enhance decision-making. **How to choose between Veriff and Tecalis** Both platforms excel in accuracy and adaptability. **Tecalis shines in the customization and flexibility of its workflows**, facilitating integration across diverse environments and adaptation to specific client requirements. Its use of AI and machine learning ensures swift and precise verification. On the other hand, Veriff is strong in global reach and multilingual support, making it ideal for companies operating in multiple regions. In conclusion, **while both offer high-quality solutions, Tecalis distinguishes itself with advanced flexibility and customization**, representing an advantage for enterprises seeking an adaptable solution. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Rubricae alternative - eSignature & Video ID **URL:** https://www.tecalis.com/alternatives/rubricae-electronic-signature-identity-verification-digital-secure-trust-platform-certified-communications **Descripción:** Rubricae Secure Identity Verification alternatives such as Tecalis change price and features. Complete comparison table. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 362.11 local 2023-03-31T12:08:24.000Z 2023-03-31T12:13:02.000Z Cover KYB infographic 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 245 135 37.17 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 1000 552 334.25 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 750 414 208.23 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_e09d944100 .png image/png 500 276 109.01 f1a532d6-b411-5350-9ddb-ca9c52b3949b A **more affordable, simple and powerful** end-to-end tool. Everything you need to work with **customers or businesses**, users or employees, partners or suppliers. Discover key differences between the most relevant services these two players offer: **e-Signature types** 3 9 **Unlimited free digital signature plan** **GDPR, TSP and ISO compliance** **KYC video identification with OCR** **Automated document redaction with AI-GPT** **Qualified time-stamping and QTSP-EU support** **Certified email and electronic notifications** **Certified SMS and OTP** **Simple API integration by the vendor and commenting module** **Verifactu electronic invoicing** **Supported countries** +190 +190 **Advanced streaming video identification** **Automated power of attorney verification and notarization** **Essential OCR features and ID documents validation** **Email, SMS and RCS e-notices** **Advanced AI-boosted KYB, screening and AML** **Advanced document processing and OCR 2nd Gen AI** **Integrated electronic signature platform** **PSD3 compliant bank scraping and reading** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Rubricae. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Rubricae and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Rubricae. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Rubricae. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Rubricae, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. **Tailored to you** Unlike Rubricae, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis Identity **About this comparison** In the dynamic world of electronic signatures, **choosing the right platform is crucial to optimize processes and ensure the legal security of documents**. Tecalis and Rubricae are two leading players in this field, each with its own characteristics and advantages. **About Tecalis** Tecalis stands out for its **flexibility and wide range of signature options, adapting to different business needs**. It offers multiple types of **eIDAS electronic signatures**: simple, advanced biometric and qualified, allowing it to meet various security levels and legal requirements, as well as other **standards combining technologies and  QTSP audit trail**. Tecalis integrates **biometric identity verification (KYC), document custody for up to five years**, and the ability to send documents through multiple channels such as email and SMS. A notable aspect of Tecalis is its ability to **handle complex workflows, with parallel, sequential and bulk signature options**, facilitating the management of large volumes of documents. It also allows **advanced customization, such as customized templates and specific behaviors**. **About Rubricae** Rubricae, on the other hand, also offers a robust solution for electronic signatures, with a strong focus on simplicity and security. It complies with the required security standards such as TSP. In addition, **Rubricae stands out for its intuitive and easy-to-use interface, which facilitates its adoption in companies of all sizes, just like Tecalis**. Among its features, Rubricae includes identity verification and secure document storage. However, **compared to Tecalis, Rubricae may offer fewer options for customization and advanced workflow configuration as well as features such as commenting**, which could be a limitation for companies with more complex processes. **How to choose between Rubricae and Tecalis** The choice between Rubricae and Tecalis will depend largely on your company's specific needs. If you are looking for a platform with a simple interface and strong basic security, Rubricae may be an excellent choice. However, **if your organization requires greater customization, advanced integration capabilities and efficient handling of large volumes of documents, Tecalis offers a more complete and flexible solution**. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. **About this comparison** **Digital identity verification is an essential component** in the security and efficiency of modern business. Tecalis and Rubricae are two prominent platforms offering solutions in this field. Below, we explore the functionalities of both platforms, with a special focus on **Rubricae Secure and Tecalis Identity**, and **compare their capabilities to help determine which may be the best option for your business needs**. **About Tecalis** Tecalis stands out for offering a **wide range of solutions ranging from identity verification to electronic signatures**. Its platform includes robust authentication methods such as **face biometrics, OCR 2nd Gen, and real-time verifications against official databases**. In addition, Tecalis **integrates KYC and KYB processes**, ensuring that both individuals and companies comply with regulatory standards such as FATF. A notable feature of Tecalis is its **focus on user experience, providing an intuitive interface and customizable tools that adapt to the specific needs of each business**. Tecalis also stands out for its flexibility, allowing integration through **APIs** into existing systems such as CRM and ERP, facilitating frictionless adoption and improved operational efficiency. **About Rubricae** Rubricae Secure offers digital identity solutions, **including video identification, OCR, and advanced electronic signature**. One of Rubricae's standout features is its enhanced **dashboard**: similar to Tecalis’, it provides an intuitive user experience with comprehensive dashboards, detailed transaction history, and advanced reporting and statistics tools. **Rubricae also enables certified communications via email and SMS**, providing evidence of sending and receiving that meets the highest security standards. **How to choose between Rubricae and Tecalis** **Both platforms have many similarities in terms of basic functionalities** such as identity verification, OCR, and advanced electronic signature. However, **Tecalis appears to offer greater flexibility and customization in its solutions by incorporating intelligent workflows or behavior-based analytics options**. Tecalis' ability to integrate its services seamlessly into existing enterprise systems and its focus on user experience give it a competitive advantage. In addition, while **Rubricae focuses heavily on issuing certificates for individuals and is more focused on electronic signatures, Tecalis offers additional, customizable tools that can be tailored more specifically to the unique needs of each business**. This versatility may make Tecalis a more attractive option for companies looking for a digital identity solution that is not only secure and reliable, but also highly adaptable and easy to integrate. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best PandaDoc alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/pandadoc-electronic-signature **Descripción:** PandaDoc and its alternatives differ in price and functionalities. This comparison table analyzes the best eSignature tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Types of available electronic signatures** 1 9 **KYC identity verification** **Certificate manager** **100% customizable templates and layouts, forms** **Automated document drafting with AI-GPT** **Timestamp and EU QTSP support** **CRM integrations** **Mobile app** **Comments/negotiation module** **Basic monthly plan price** €€€ €€ **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to PandaDoc. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of PandaDoc and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike PandaDoc, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** **Tecalis and PandaDoc** are two prominent platforms in the field of **electronic signatures and digital document management**. Both offer advanced solutions for the digitization of business processes, but they have **distinctive approaches and features that can influence each user's choice**. **About Tecalis** Tecalis is a comprehensive platform for electronic signatures and document management that **covers all the needs of any business or professional regarding digital signatures and electronic contracting**. It provides a **complete suite of tools** that enable workflow automation and integration with other business systems. One of Tecalis's main strengths is its ability to offer **customized solutions tailored to the specific needs of each business**. Additionally, Tecalis ensures data security and privacy as an **EU Qualified Trust Service Provider (QTSP), complying with strict standards such as eIDAS 2 and GDPR**. The platform allows users to create, send, sign, and track documents efficiently with many modules and options. **About PandaDoc** PandaDoc, on the other hand, is known for its ease of use and stands out for its focus on **document creation and management (with its own document editor similar to a text editor)**. PandaDoc offers a variety of templates and a drag-and-drop interface, making it easy to create customized documents. Although PandaDoc is effective in document management, **its main focus on simplicity and speed can limit its ability to handle more complex and personalized processes, and it does not have the same legal backing as other solutions like Tecalis**. **How to choose between Tecalis and PandaDoc** In terms of functionalities, Tecalis and PandaDoc share several features, such as simple electronic signatures and document management. However, **Tecalis goes further by offering a more personalized solution tailored to the specific needs** of companies with **legally binding electronic signature standards**. Meanwhile, PandaDoc stands out for its ease of use and focus on document editing. **Tecalis provides a robust platform that integrates workflow automation** and the ability to adapt to existing business systems, offering a more comprehensive and flexible solution. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Signaturit alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/signaturit-electronic-signature **Descripción:** Alternatives to Signaturit can make a better deal in price and functionalities. Complete comparison table of the best eSignature tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Available eSignature standards and options** 4 9 **KYC identity verification as standard** **Certificate manager** **100% configurable and reusable templates and layouts** **Automated document drafting with GPT-AI** **Time stamp and QTSP-EU legal framework** **Certified Email** **Certified SMS** **Easy API integration performed by the same provider** **Basic annual subscription price** €€€ €€ **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Signaturit. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Signaturit and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Signaturit, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** Tecalis and Signaturit are two technological solutions that offer services related to electronic signatures and digital document management, but they have distinct characteristics and approaches that differentiate them. Below, we will explore some of these key differences. **About Tecalis** Tecalis is a platform that focuses on providing **advanced solutions for the signing and digitization of documents, business processes, contracting, and digital onboarding**. It offers a **complete suite** of tools that go beyond electronic signatures, encompassing **document management, workflow automation, and integration with other business systems**. Its approach is to provide an all-inclusive solution that allows companies to optimize their operations and improve efficiency in document management. One of Tecalis's strengths is its ability to adapt to the specific needs of each company, offering customized solutions that align with business objectives and requirements. Additionally, its platform is highly secure and complies with data security and privacy standards, ensuring the confidentiality and integrity of information. **About Signaturit** On the other hand, **Signaturit specializes primarily in simple electronic signatures**. Its platform is designed to simplify and expedite the document signing process, **allowing companies to obtain digital signatures quickly and securely, much like Tecalis does**. Signaturit offers an intuitive user experience, facilitating the adoption of electronic signatures by end-users. Both Signaturit and Tecalis have a focus on mobility, offering mobile applications that allow signing documents from anywhere and at any time. Signaturit, however, encourages its clients to turn to other digital providers to integrate its system through API, while Tecalis does this directly and simply with a connector. **How to choose between Tecalis and Signaturit** In summary, while Tecalis offers a more comprehensive, affordable, and customized solution for document management and business process digitization, Signaturit specifically focuses on simple electronic signatures and document validation. The choice between one solution or the other will depend on the needs and priorities of each company regarding document management and electronic signatures. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best SignNow alternative: Tecalis Digital Signature **URL:** https://www.tecalis.com/alternatives/signnow-electronic-signature **Descripción:** SignNow and Tecalis are alternatives with different prices and features. Check out this comparative table and discover their key differences. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **eSignature standards** 2 9 **Built-in KYC identity verification** **Sequential sendings** **Reusable templates** **Automated document drafting with AI-GPT** **Compliance with eIDAS & eIDAS 2 standards** **Branding and customization** **Free plan available** **Comment and negotiation module** **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to SignNow. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of SignNow and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike SignNow, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** Two of the main electronic signature platforms are Tecalis and SignNow. **Both offer robust solutions for electronically signing documents, but what are the key differences between them?** **About Tecalis** Tecalis emerges as a **solid option** in the electronic signature market. Its **intuitive and user-friendly** interface makes the signing process quick and efficient. One of Tecalis's distinctive advantages is its **focus on security and legal compliance in demanding markets such as the EU**. The comprehensive platform offers a wide range of features that make electronic signature applicable to **use cases across all industries**. From **integration with other platforms to workflow customization**, Tecalis stands out for its versatility and ability to adapt to the specific needs of each user. **About SignNow** On the other hand, SignNow is also a popular choice in the electronic signature field. With a diverse user base, **SignNow offers tools to streamline the document signing process**. However, despite its strengths, **SignNow lacks certain features** that make Tecalis stand out. Security may be a concern for some users, as **SignNow does not offer the same level of end-to-end encryption as Tecalis, such as advanced biometric electronic signature**. Additionally, workflow customization and integration with other platforms may be limited compared to the options offered by Tecalis. **How to choose between SignNow and Tecalis** The choice between SignNow and Tecalis will depend on the individual needs and preferences of each user. **If security and customization are important aspects, Tecalis may be the best option**. However, for those seeking a basic solution, SignNow remains a viable alternative. In any case, both Tecalis and SignNow continue to be leaders in the field of electronic signatures, each with its own strengths and distinctive features. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Viafirma alternative: Tecalis Viafirma **URL:** https://www.tecalis.com/alternatives/viafirma-electronic-e-signature-business **Descripción:** Tecalis is an alternative to Viafirma with different functionalities and price improvements. Check this comparison table of the best e-signatures. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types** 6 9 **KYC identity verification by series** **Digital certificate manager** **Configurable templates, layouts and advanced forms** **Automated document drafting with AI-GPT** **eIDAS time-stamping and backup** **Unattended esignature and electronic certificate use** **Full integration with your CRM or ERP and API** **Comments module and contracting tools** **Price** €€€ €€ **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Viafirma. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Viafirma and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Viafirma, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** Electronic signature platforms enable businesses and users to manage their documents and contracts, providing a quick, secure, and legally binding alternative to traditional signatures. Among the solutions available on the market, **Tecalis** and **Viafirma** stand out for their extensive range of functionalities and ease of use. Below is a detailed comparison of both platforms, highlighting their key features and differences. **About Tecalis** Tecalis offers a robust and versatile electronic signature platform tailored to the needs of businesses of various sizes and sectors. Its features include, among others, **simple, advanced biometric, and qualified signatures**, as well as specific options like biometric signature and OTP (One Time Password) signatures. Users can enjoy unlimited document sends on certain plans, electronic notifications, biometric identity verification (KYC), and secure document storage for up to five years. **Tecalis also excels in integrating electronic signatures with other business processes through sequential, bulk, and parallel signature workflows**, providing greater flexibility and efficiency in document management. **About Viafirma** Viafirma, on the other hand, is another prominent solution in the realm of electronic signatures, known for its integration and compliance with regulations such as eIDAS. It offers a variety of signature methods, including **cloud-based signatures and multifactor authentication**, similar to Tecalis. Viafirma also supports document signing in various formats and provides advanced validation and audit tools to ensure the security and legal validity of electronic transactions. Furthermore, its intuitive interface simplifies the signing process for both individual users and businesses​​. **How to choose between Viafirma and Tecalis** While both platforms offer a robust set of functionalities, **Tecalis stands out for its focus on customization and advanced integration**. In addition to the standard features also found in Viafirma, Tecalis provides additional options like biometric identity verification and highly configurable signature workflows. **These additional capabilities not only ensure regulatory compliance but also optimize internal business processes**, making Tecalis a very attractive option for organizations seeking a comprehensive and adaptable solution to their specific needs​. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Zoho Sign alternative - Electronic signature **URL:** https://www.tecalis.com/alternatives/zoho-sign-digital-signature-electronic-zohosing-crm **Descripción:** Zoho Sign is an alternative to Tecalis with a different price and functionality. Analyze this comparative table before making your decision. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Types of electronic signatures** 4 9 **Built-in KYC identity verification by the same QTSP under eIDAS** **Digital certificate manager** **Configurable templates and mass sending** **Automated document drafting with GPT-AI** **Branding and customization** **Payment collection and forms** **Certified SMS and email** **Comments module and contracting tools** **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Zoho Sign. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Zoho Sign and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Zoho Sign, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** In the current landscape of electronic and digital signatures, two names stand out: Tecalis and Zoho Sign. **Both platforms offer robust solutions for digital signing, but they differ significantly in terms of features and functionalities**. This analysis provides a detailed comparison of both tools, highlighting the strengths of each. **About Tecalis** Tecalis distinguishes itself with its **comprehensive focus on security and customization**. It offers **all types of electronic and digital signatures, including advanced biometric signatures and eIDAS-certified digital signatures**. Its integration of biometric verification (such as facial recognition and ID document verification) **ensures highly secure and legally binding transactions**. Additionally, Tecalis includes options for email, SMS, and messaging app delivery, enhancing usability across various platforms and contexts. Another notable feature of Tecalis is its emphasis on automation and integration with other systems. **It supports bulk sending, scheduled deliveries, and detailed audit report generation**. Its intuitive interface and the ability to customize transaction volumes according to client needs make Tecalis a flexible and adaptable choice. **About Zoho Sign** Zoho Sign, **part of the Zoho applications ecosystem, is renowned for its user-friendly interface and seamless integration with other Zoho tools like CRM, Zoho Mail, and Zoho Docs**. It offers basic electronic and digital signatures. The platform also supports **document delivery via email and SMS, and provides an automated tracking and reminder system similar to Tecalis**. Zoho Sign stands out for its focus on simplicity and efficiency, particularly appealing to large enterprises already using other Zoho software. **How to choose between Zoho Sign and Tecalis** Both platforms offer solid and secure solutions for electronic signatures, but the choice between Zoho Sign and Tecalis will depend on the specific needs of the company. **Zoho Sign is an excellent choice for those already leveraging other Zoho tools. On the other hand, Tecalis offers a broader range of advanced features and customization options, and seamlessly integrates with other Zoho ecosystem tools**, making it ideal for businesses of all types and sizes. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### Best alternative to Alice Biometrics: Tecalis Identity **URL:** https://www.tecalis.com/alternatives/alice-biometrics-verification-instant-identity-ai-kyc-aml **Descripción:** Alice Biometrics and Tecalis perform instant and legal identity verification to onboard users and customers using AI. Check this comparative comparison. **eIDAS 2: changes, opportunities and implications for digital ID wallets** en 2022-01-11T12:51:03.000Z 2022-01-11T12:28:19.000Z 2024-10-16T13:11:40.000Z December 5, 2022 Reading time: 3 min. 2021-12-27 **eidas2-en.png** eidas2\_en\_b72ad60b0f .png image/png 537.79 local 2023-01-24T14:12:43.000Z 2023-01-26T17:35:02.000Z Changes in security and digital regulations with eIDAS2 Cambios en seguridad y normativa digital con eIDAS2 2080 1080 **thumbnail\_eidas2-en.png** thumbnail\_eidas2\_en\_b72ad60b0f .png image/png 245 127 44.64 **large\_eidas2-en.png** large\_eidas2\_en\_b72ad60b0f .png image/png 1000 519 542.64 **medium\_eidas2-en.png** medium\_eidas2\_en\_b72ad60b0f .png image/png 750 389 326.84 **small\_eidas2-en.png** small\_eidas2\_en\_b72ad60b0f .png image/png 500 260 159.56 57292962-bac2-5814-a9a8-2d710ee2dccc **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **KYB: A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 349.1 local 2023-02-14T17:26:43.000Z 2024-09-24T13:38:30.000Z KYB infographic of its performance 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 245 135 36.27 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 1000 552 324.29 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 750 414 202.33 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 500 276 105.78 4b70aa08-7c31-5d27-aa94-badd18ee734a A **more affordable, simple and powerful** end-to-end tool. Everything you need to work with **customers or businesses**, users or employees, partners or suppliers. Discover key differences between the most relevant services these two players offer: **Supported countries** +190 +190 **KYC/AML instant onboarding platform** **KYB and Automated Power of Attorney Verification** **Capture and validation of identity documents from any country** **Passive, active biometric authentication and AI face recognition** **Complete eIDAS e-signature and e-contracting platform** **Document validation and OCR capabilities** **Age, videoconferencing, location, voice biometrics, open gateway, etc.** **Media screening & AI scoring** **Pricing** €€€ €€ **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Alice Biometrics. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Alice Biometrics. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Alice Biometrics, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis Identity **About this comparison** In the field of **digital identification and onboarding**, companies are looking for solutions that combine **security, speed and adaptability**. Alice Biometrics and Tecalis stand out as leading platforms in this market, offering advanced functionalities to verify identities remotely and securely. However, when comparing the two solutions, **differences emerge that can influence the choice for specific projects**. **About Tecalis** Tecalis is positioned as a **comprehensive digital identification solution that prioritizes flexibility and customization**. Its platform offers **document verification, facial recognition, electronic signature, fraud detection and real-time monitoring**. Tecalis goes further by integrating capabilities such as advanced biometric validation and adaptation to industry-specific regulations. Its **modular approach** allows customizing processes for fintech, banking, insurance, telco, utilities, mobility and other sectors, ensuring a balance between security and user experience. **About Alice Biometrics** Alice Biometrics is known for its **direct focus solely on eKYC and biometrics**. Its system uses **real-time selfies** (just like Tecalis) and **document validation** as pillars of the user experience. Alice specializes in sectors such as fintech and banking, offering essential functionalities such as fraud detection and monitoring. However, **its solution focuses on more structured and limited processes**, which may reduce customization for industries with unique requirements. **How to choose between Alice Biometrics and Tecalis** **Both platforms are robust and effective solutions for digital onboarding needs**. **Tecalis**, however, stands out for its **more holistic and adaptable approach, encompassing both the key functionalities** present in Alice Biometrics and additional innovations. Companies looking for customizable solutions, with support for multiple industries and seamless integration into different regulatory frameworks and process types, will find in **Tecalis an option that not only matches, but often exceeds, the capabilities of Alice Biometrics**. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### Tecalis Digital Signature **URL:** https://www.tecalis.com/alternatives/Tecalis-electronic-signature **Descripción:** Tecalis is an alternative with different prices and functions. Check out all its features and benefits. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_d41bb388e7 .png image/png 609.6 local 2023-03-14T13:01:14.000Z 2023-03-14T13:20:03.000Z eBook about Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_d41bb388e7 .png image/png 245 135 32.87 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_d41bb388e7 .png image/png 1000 552 312.95 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_d41bb388e7 .png image/png 750 414 193.2 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_d41bb388e7 .png image/png 500 276 99.99 6e84fd7b-4859-57f4-b4d9-e9aa30b9c33e Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. TEST **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to others. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature on the market. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About Tecalis** Tecalis emerges as a **solid option** in the electronic signature market. Its **intuitive and user-friendly** interface makes the signing process quick and efficient. One of Tecalis's distinctive advantages is its **focus on security and legal compliance in demanding markets such as the EU**. The comprehensive platform offers a wide range of features that make electronic signature applicable to **use cases across all industries**. From **integration with other platforms to workflow customization**, Tecalis stands out for its versatility and ability to adapt to the specific needs of each user. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Docuten alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/Docuten-electronic-signature-comparative **Descripción:** Docuten and its alternative Tecalis offer different prices and tools. Check out a comprehensive table that analyzes these two leading signature platforms. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Types of available electronic signatures** 5 9 **KYC identity verification** **Signature delegation** **Configurable templates** **Automated document drafting with AI-GPT** **Qualified timestamp and UE-QTSP backing** **ERP Integrations** **Own mobile iOS and Android application** **Comments/negotiation module** **Price** €€€ €€ **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Docuten. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Docuten and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Docuten, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** Tecalis and Docuten are **two prominent electronic signature platforms that facilitate the management of digital documents** in the business environment. Both solutions are designed to optimize processes, improve security, reduce costs, and ensure the legal validity of electronic signatures. However, **there are key differences between the two that may influence the choice of one over the other**. **About Tecalis Sign** Tecalis provides a **robust and comprehensive platform for electronic signature and contracting**, standing out for its ability to integrate with a wide range of business systems and its **flexibility to adapt to the specific needs of each client**, from **electronic invoicing to human resources documents**. Tecalis not only complies with **eIDAS and GDPR** regulations but also offers advanced features such as biometric signatures, multi-factor authentication, and a highly customizable user experience. **About Docuten** Docuten is known for its focus on the digitalization of business processes through electronic signature and invoicing. It offers a solution that allows companies to **manage the automatic registration of food contracts with the AICA**. With this approach, Docuten stands out for its use of **electronic invoicing and specific use cases in labor or the food industry**. Therefore, its focus is less global and more specialized in these areas. **How to choose between Docuten and Tecalis** One of the advantages of **Tecalis is its focus on continuous innovation, incorporating new technologies and features that improve efficiency and security, as well as use cases of all kinds**. This constant evolution capability allows Tecalis to offer cutting-edge solutions, adapting to the changing demands of the market and providing added value to its clients. In summary, while **both platforms meet the basic requirements of an electronic signature solution**, **Tecalis offers a greater variety of advanced features and superior adaptability**, positioning it as a preferred option for companies looking not only to meet current standards but also to be prepared for the future. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best PandaDoc alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/pandadoc-electronic-signature-comparative **Descripción:** PandaDoc and its alternatives differ in price and functionalities. This comparison table analyzes the best eSignature tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Types of available electronic signatures** 1 9 **KYC identity verification** **Certificate manager** **100% customizable templates and layouts, forms** **Automated document drafting with AI-GPT** **Timestamp and EU QTSP support** **CRM integrations** **Mobile app** **Comments/negotiation module** **Basic monthly plan price** €€€ €€ **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to PandaDoc. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of PandaDoc and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike PandaDoc, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** **Tecalis and PandaDoc** are two prominent platforms in the field of **electronic signatures and digital document management**. Both offer advanced solutions for the digitization of business processes, but they have **distinctive approaches and features that can influence each user's choice**. **About Tecalis** Tecalis is a comprehensive platform for electronic signatures and document management that **covers all the needs of any business or professional regarding digital signatures and electronic contracting**. It provides a **complete suite of tools** that enable workflow automation and integration with other business systems. One of Tecalis's main strengths is its ability to offer **customized solutions tailored to the specific needs of each business**. Additionally, Tecalis ensures data security and privacy as an **EU Qualified Trust Service Provider (QTSP), complying with strict standards such as eIDAS 2 and GDPR**. The platform allows users to create, send, sign, and track documents efficiently with many modules and options. **About PandaDoc** PandaDoc, on the other hand, is known for its ease of use and stands out for its focus on **document creation and management (with its own document editor similar to a text editor)**. PandaDoc offers a variety of templates and a drag-and-drop interface, making it easy to create customized documents. Although PandaDoc is effective in document management, **its main focus on simplicity and speed can limit its ability to handle more complex and personalized processes, and it does not have the same legal backing as other solutions like Tecalis**. **How to choose between Tecalis and PandaDoc** In terms of functionalities, Tecalis and PandaDoc share several features, such as simple electronic signatures and document management. However, **Tecalis goes further by offering a more personalized solution tailored to the specific needs** of companies with **legally binding electronic signature standards**. Meanwhile, PandaDoc stands out for its ease of use and focus on document editing. **Tecalis provides a robust platform that integrates workflow automation** and the ability to adapt to existing business systems, offering a more comprehensive and flexible solution. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Signaturit alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/signaturit-electronic-signature-comparative **Descripción:** Alternatives to Signaturit can make a better deal in price and functionalities. Complete comparison table of the best eSignature tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Available eSignature standards and options** 4 9 **KYC identity verification as standard** **Certificate manager** **100% configurable and reusable templates and layouts** **Automated document drafting with GPT-AI** **Time stamp and QTSP-EU legal framework** **Certified Email** **Certified SMS** **Easy API integration performed by the same provider** **Basic annual subscription price** €€€ €€ **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Signaturit. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Signaturit and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Signaturit, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** Tecalis and Signaturit are two technological solutions that offer services related to electronic signatures and digital document management, but they have distinct characteristics and approaches that differentiate them. Below, we will explore some of these key differences. **About Tecalis** Tecalis is a platform that focuses on providing **advanced solutions for the signing and digitization of documents, business processes, contracting, and digital onboarding**. It offers a **complete suite** of tools that go beyond electronic signatures, encompassing **document management, workflow automation, and integration with other business systems**. Its approach is to provide an all-inclusive solution that allows companies to optimize their operations and improve efficiency in document management. One of Tecalis's strengths is its ability to adapt to the specific needs of each company, offering customized solutions that align with business objectives and requirements. Additionally, its platform is highly secure and complies with data security and privacy standards, ensuring the confidentiality and integrity of information. **About Signaturit** On the other hand, **Signaturit specializes primarily in simple electronic signatures**. Its platform is designed to simplify and expedite the document signing process, **allowing companies to obtain digital signatures quickly and securely, much like Tecalis does**. Signaturit offers an intuitive user experience, facilitating the adoption of electronic signatures by end-users. Both Signaturit and Tecalis have a focus on mobility, offering mobile applications that allow signing documents from anywhere and at any time. Signaturit, however, encourages its clients to turn to other digital providers to integrate its system through API, while Tecalis does this directly and simply with a connector. **How to choose between Tecalis and Signaturit** In summary, while Tecalis offers a more comprehensive, affordable, and customized solution for document management and business process digitization, Signaturit specifically focuses on simple electronic signatures and document validation. The choice between one solution or the other will depend on the needs and priorities of each company regarding document management and electronic signatures. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best DocuSign alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/docusign-electronic-signature-comparative **Descripción:** DocuSign cand its alternatives differ in price and functionalities. This comparison table analyzes the best eSignature tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Types of available electronic signatures** 3 9 **KYC Identity verification by series** **Certificate manager and KYB document validation** **100% configurable and reusable templates and layouts** **Automated document drafting with AI-GPT** **QTSP-UE and eIDAS support** **Web forms** **SMS and WhatsApp eSignature requests and sendings** **Simple API integration provided by the vendor** **Basic monthly plan price** €€€ €€ **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to DocuSign. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of DocuSign and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike DocuSign, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** **Tecalis and DocuSign are two leading platforms in the field of electronic signatures and digital document management**, each with its own characteristics and strengths. Although both offer advanced solutions for the digitization of hiring processes and digital signatures, there are **significant differences** that can influence the choice between one or the other. Find out more in the following questions. **About Tecalis Sign** Tecalis is a platform that stands out for its **comprehensive approach to document and process digitization**. It offers a **complete suite of tools** that go beyond electronic signatures, including **document management, workflow automation, and integration with either its clients' proprietary systems or third-party systems**. Its ability to adapt to the specific needs of each company on an ad-hoc basis and offer personalized solutions is one of its main strengths. Additionally, Tecalis ensures data security and privacy, complying with the strictest standards in this area such as **eIDAS 2, GDPR, and others**. **About DocuSign** DocuSign is a widely used platform in the market, and **its large user base encounters some friction in terms of support.** It primarily focuses on electronic signatures but does **not offer all types of signatures required to comply with regulations in regions like Europe**. While it facilitates the document signing process quickly and securely, **it lacks the same legal backing**. DocuSign also offers a variety of features and tools for document management and creation, though **no more relevant than any simple drag-and-drop text editor**. It may require additional integrations to fully adapt to the specific needs of a company. **How to choose between Tecalis and DocuSign** In terms of functionalities and features, **Tecalis and DocuSign offer many similarities**. Both platforms allow for electronic signatures, document management, and workflow automation. However, T**ecalis goes a step further by providing more personalized and tailored solutions to the specific needs of each company**, while **DocuSign** might require additional configurations or integrations to achieve the same level of customization as **it is designed for a simpler and more mass audience (individuals)**. Furthermore, Tecalis stands out for its focus on security, legal support as a Qualified Trusted Service Provider (QTSP), and data privacy, offering a platform that complies with the strictest standards in this area. This can be a decisive factor for companies seeking a secure, reliable, and truly functional solution for document management and electronic signatures. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Viafirma alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/viafirma-electronic-signature-comparative **Descripción:** Viafirma and its alternatives differ in price and functionalities. This comparison table analyzes the best eSignature tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types** 6 9 **KYC identity verification by series** **Digital certificate manager** **Configurable templates, layouts and advanced forms** **Automated document drafting with AI-GPT** **eIDAS time-stamping and backup** **Unattended esignature and electronic certificate use** **Full integration with your CRM or ERP and API** **Comments module and contracting tools** **Price** €€€ €€ **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Viafirma. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Viafirma and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Viafirma, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** Electronic signature platforms enable businesses and users to manage their documents and contracts, providing a quick, secure, and legally binding alternative to traditional signatures. Among the solutions available on the market, **Tecalis** and **Viafirma** stand out for their extensive range of functionalities and ease of use. Below is a detailed comparison of both platforms, highlighting their key features and differences. **About Tecalis** Tecalis offers a robust and versatile electronic signature platform tailored to the needs of businesses of various sizes and sectors. Its features include, among others, **simple, advanced biometric, and qualified signatures**, as well as specific options like biometric signature and OTP (One Time Password) signatures. Users can enjoy unlimited document sends on certain plans, electronic notifications, biometric identity verification (KYC), and secure document storage for up to five years. **Tecalis also excels in integrating electronic signatures with other business processes through sequential, bulk, and parallel signature workflows**, providing greater flexibility and efficiency in document management. **About Viafirma** Viafirma, on the other hand, is another prominent solution in the realm of electronic signatures, known for its integration and compliance with regulations such as eIDAS. It offers a variety of signature methods, including **cloud-based signatures and multifactor authentication**, similar to Tecalis. Viafirma also supports document signing in various formats and provides advanced validation and audit tools to ensure the security and legal validity of electronic transactions. Furthermore, its intuitive interface simplifies the signing process for both individual users and businesses​​. **How to choose between Viafirma and Tecalis** While both platforms offer a robust set of functionalities, **Tecalis stands out for its focus on customization and advanced integration**. In addition to the standard features also found in Viafirma, Tecalis provides additional options like biometric identity verification and highly configurable signature workflows. **These additional capabilities not only ensure regulatory compliance but also optimize internal business processes**, making Tecalis a very attractive option for organizations seeking a comprehensive and adaptable solution to their specific needs​. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- #### The best Logalty alternative - eSignature **URL:** https://www.tecalis.com/alternatives/logalty-electronic-signature-comparative **Descripción:** Logalty and its alternatives differ in price and functionalities. This comparison table analyzes the best eSignature tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **eIDAS 2: The new European Digital Identity impact** **eIDAS 2 Regulation has been approved** by EU member states and parliamentary groups in the European Parliament. This new form and framework will **impact how citizens and businesses in the European Union interact with each other**. In this ebook, you will find all the changes around its approval and the scope of its immediate implementation. We **will analyze how both citizens and companies can use all the advantages offered by eIDAS 2**. Download now Why do you need to know the impact of eIDAS2 The new understanding of **digital identity in eIDAS 2 is expected to promote economic value creation** by facilitating access to goods and services, as well as **reduce the costs associated for businesses with electronic identification and authentication procedures** thanks to even more agile and powerful **RegTech solutions**. **Find out all the details to adapt you as soon as possible:** Discover how the new eIDAS2 regulation will affect you Download eBook en 2024-04-03T09:24:38.000Z 2024-04-02T14:39:35.000Z 2025-03-07T07:43:42.000Z eidas2-eng 2 24 **eIDAS-img1a-en.png** e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 3610.19 local 2024-04-02T14:22:43.000Z 2024-04-02T14:22:43.000Z eidas2 how will impact to citizens and companies 2604 3129 **thumbnail\_eIDAS-img1a-en.png** thumbnail\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 130 156 35.88 **large\_eIDAS-img1a-en.png** large\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 832 1000 839.18 **medium\_eIDAS-img1a-en.png** medium\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 624 750 496.61 **small\_eIDAS-img1a-en.png** small\_e\_IDAS\_img1a\_en\_de9d51dd21 .png image/png 416 500 244.24 debdfecf-e8f9-5a49-8536-1b7af3ddb170 **eIDAS-img2a-en.png** e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 792.88 local 2024-04-02T14:34:14.000Z 2024-04-02T14:34:14.000Z repercusión eIDAS 2 y EUDI 1059 1284 **thumbnail\_eIDAS-img2a-en.png** thumbnail\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 129 156 27.09 **large\_eIDAS-img2a-en.png** large\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 825 1000 662.31 **medium\_eIDAS-img2a-en.png** medium\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 619 750 383.07 **small\_eIDAS-img2a-en.png** small\_e\_IDAS\_img2a\_en\_9670ea49d3 .png image/png 412 500 184.51 4f284561-b946-5182-8a4f-4feb93c49142 **How the new European digital impacts your industry** **ebook-eIDAS-en.png** ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 680.63 local 2024-04-02T14:22:40.000Z 2024-09-24T13:00:43.000Z ebook eidas 2: the new european digital identity impact 1800 993 **thumbnail\_ebook-eIDAS-en.png** thumbnail\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 245 135 32.9 **large\_ebook-eIDAS-en.png** large\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 1000 552 341.6 **medium\_ebook-eIDAS-en.png** medium\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 750 414 206.64 **small\_ebook-eIDAS-en.png** small\_ebook\_e\_IDAS\_en\_3cbddf3cbc .png image/png 500 276 104 37afe2b2-9e36-5ef4-986c-288cf5b59923 KYC GUIDE **Customer onboarding and registration processes** The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. Download the guide en 2023-01-26T08:22:53.000Z 2023-01-25T16:24:14.000Z 2025-03-07T07:40:47.000Z guia kyc EN 4 10 **caso-de-uso-guia-kyc-img-en.png** caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 904.79 local 2023-07-10T09:32:03.000Z 2023-07-10T09:39:28.000Z a man doing an onboarding process 1312 1184 **thumbnail\_caso-de-uso-guia-kyc-img-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 173 156 39.52 **large\_caso-de-uso-guia-kyc-img-en.png** large\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 1000 902 740.46 **medium\_caso-de-uso-guia-kyc-img-en.png** medium\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 750 677 436.55 **small\_caso-de-uso-guia-kyc-img-en.png** small\_caso\_de\_uso\_guia\_kyc\_img\_en\_9e35914b07 .png image/png 500 451 210.81 f83c581e-5ee0-5145-90c0-6615865e0917 **Onboarding and customer registration processes** **caso-de-uso-guia-kyc-en.png** caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 647.25 local 2023-07-10T09:32:03.000Z 2024-09-24T14:05:37.000Z Customer onboarding and kyc guide 1501 828 **thumbnail\_caso-de-uso-guia-kyc-en.png** thumbnail\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 245 135 40 **large\_caso-de-uso-guia-kyc-en.png** large\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 1000 552 439.73 **medium\_caso-de-uso-guia-kyc-en.png** medium\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 750 414 263.38 **small\_caso-de-uso-guia-kyc-en.png** small\_caso\_de\_uso\_guia\_kyc\_en\_17507ecdda .png image/png 500 276 129.78 dc5ae321-1af9-5092-8208-34fbcadb790e Infographic **A solid KYB system and its performance** Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. Download infographic en 2022-10-11T13:11:48.000Z 2022-09-29T11:29:56.000Z 2025-08-07T10:30:29.000Z KYB infografía EN 0 6 **KYB-en.png** KYB\_en\_6f29216dd2 .png image/png 228.18 local 2023-03-31T12:14:15.000Z 2025-08-07T10:29:00.000Z KYB infographic 656 592 **thumbnail\_KYB-en.png** thumbnail\_KYB\_en\_6f29216dd2 .png image/png 173 156 41.69 **small\_KYB-en.png** small\_KYB\_en\_6f29216dd2 .png image/png 500 451 212.67 1b0be8d7-9e9d-57f7-8623-b86cabc12981 **A solid KYB system and its performance** **caso-de-uso-kyb-en.png** caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 349.1 local 2023-02-14T17:26:43.000Z 2024-09-24T13:38:30.000Z KYB infographic of its performance 1381 762 **thumbnail\_caso-de-uso-kyb-en.png** thumbnail\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 245 135 36.27 **large\_caso-de-uso-kyb-en.png** large\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 1000 552 324.29 **medium\_caso-de-uso-kyb-en.png** medium\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 750 414 202.33 **small\_caso-de-uso-kyb-en.png** small\_caso\_de\_uso\_kyb\_en\_d424db829a .png image/png 500 276 105.78 4b70aa08-7c31-5d27-aa94-badd18ee734a **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types** 7 9 **KYC/KYB identity verification in the same flow (by-series)** **Certified communication and eIDAS e-notices** **100% configurable and reusable templates and layouts** **Automated document drafting with IA-GPT** **Qualified time stamping and QTSP-EU support** **E-contracting, digital certificate signing** **E-fax, email and certified SMS** **Easy API interaction by the same provider** **Price** €€€ €€ **Verifactu electronic invoicing** **Supported regions** +190 +190 **Attended and unattended digital video identification** **Automated notarization, AML and AI-based KYC** **OCR, ID documents verifications and NFC support** **Operator video conferencing options** **Advanced KYB, AI-powered screening and global lists** **Advanced document processing and 2nd Gen AI OCR** **Advanced audit trail and EU-QTSP legal support** **PSD3 compliant bank scrapping and reading** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Logalty. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Logalty and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools. **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. **Pricing and discounts** Tecalis is an affordable end-to-end digital onboarding, scoring, screening and anti-fraud solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary technology solution allows us to offer a truly competitive proposal compared to Logalty. Just ask us for a quotation. **Characteristics and features** Identity is a global platform covering KYB, KYC, AML, PSD3/SCA authentication and automated scoring processes. At any risk level, you can set up intelligent workflows. All the functionalities expected from the best onboarding solution in addition to all those of Logalty. **Legal support** The solution complies with the most demanding standards worldwide, such as eIDAS 2 and AML6 and the rules of the Central Banks of the main states. As an EU QTSP, the RegTech solution is fully legally guaranteed and connected to international listings and adapting itself regarding  the region where the operation is being performed. **Simplicity and ease of use** Tecalis stands out for its top-notch user experience with voiceovers and guides in a perfect UX/UI. We optimize conversion rates to the maximum by establishing intelligent policies and routes. It integrates seamlessly into your systems and applications so that your users trust and complete transactions instantly. **Security and support** Real-time streaming video identification for unattended, videoconference or 100% unassisted flows with active and passive proof of life, advanced biometrics and the highest quality standards in the industry. The availability of the platform is absolute and you will have teams and resources to help you grow with Tecalis. **Integration and systems** We offer different models of ad-hoc integration made in Tecalis. Whether you already have another solution in place or are integrating for the first time, Tecalis can be up and running on your systems in days without complications thanks to a simple connector and our RPA systems, whether by API, SSO, Webhook or any other model. Why choose Tecalis **Tailored to you** Unlike Logalty, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. **Tailored to you** Unlike Logalty, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom solution development. Contact our experts to receive a customized competitive proposal and tailor the platform to your needs. 100% adapted to your branding and systems. **Differential features** All the features and options that have made both small SMEs and large multinationals grow and save. From automated proxy screening to AI screening systems with advanced computer vision, through to NFC, behavioral analysis, IP, hardware, etc. **All-in-one platform** Unify all your processes in a single platform. Your Customer Journey from start to finish. Easily connect with other Tecalis applications (eSignature, Customer Hub, RPA...) and with your favorite tools thanks to simple integrations. Request a demo now. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new standards assured. Frequently asked questions (FAQ) about Tecalis **About this comparison** In the market for **electronic signatures, certified notifications, digital contracting and digital identity**, two major players are Logalty and Tecalis. Both platforms offer robust and secure solutions for the **signature and validation of electronic documents, but present significant differences in their functionalities and approaches**. This comparison looks at their key features. **About Tecalis** Tecalis is distinguished by its **comprehensive and adaptable approach** to various sectors, including finance, insurance, and legal services. The platform offers a variety of **electronic signature services: simple, advanced and qualified, complying with eIDAS, AML6 or PSD3 regulations**. One of its most outstanding features is biometric identification and **secure e-contracting, which ensures highly reliable identity verification and minimizes the risk of fraud**. In addition, Tecalis provides integration with all types of platforms and systems, facilitating the signing of documents in collaborative and remote environments. The Tecalis solution **not only facilitates document signing, but also enables complete contract management and document process automation**, resulting in greater operational efficiency. The platform also offers **real-time audit and traceability** tools, ensuring transparency and security in all transactions. **About Logalty** Logalty is known for its strong commitment to legal security and technological innovation. It offers a **wide range of electronic signature services, including qualified signature and qualified electronic seal, as does Tecalis**. Logalty also offers certified notification and consent management services. One of Logalty's recent innovations is the integration of its electronic signature and identification technology into Microsoft Teams, which **allows contracts to be signed by video call, ensuring the identity of signatories and combating online fraud just as Tecalis does with its proprietary KYC** solution integrated into the signature platform. It has a robust n**otary deposit and document custody system**. **How to choose between Logalty and Tecalis?** When comparing the two platforms, **Tecalis shows an improvement in terms of adaptability and additional features**. While Logalty offers robust legal security and has innovated integration with Microsoft Teams, **Tecalis provides greater flexibility with its biometric identification and video call services, and seamless integration into diverse work environments of all types at the request of its customers**. In addition, Tecalis combines these functionalities with **advanced contract management and process automation tools**, which not only match but exceed Logalty's capabilities in terms of efficiency and usability. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. **About this comparison** In the realm of **digital identity, user verification, and process automation**, companies like Tecalis and Logalty offer advanced and secure solutions. **Both platforms stand out for their functionalities, but upon detailed examination, notable differences can be identified, especially in their KYC (Know Your Customer) systems**. **About Tecalis** Tecalis is a **comprehensive platform with strong specialization in identity verification KYC/KYB/AML and process automation**. Its KYC system is robust, utilizing **advanced proprietary technologies such as facial recognition, document validation with reconstruction technology, and both active and passive liveness tests** to ensure user authenticity, among many other features. Tecalis stands out for its flexibility and customization, allowing **intelligent workflows that adapt to device characteristics and user needs in real time**. The platform also offers an automated approach to **managing cross-device verification processes**, allowing users to resume from where they left off on any device. This, along with its capability to integrate with multiple systems and international regulations, makes **Tecalis a highly efficient and adaptable option for various industries**. **About Logalty** Logalty, on the other hand, also offers a KYC system. **Its approach is more traditional, with a strong reliance on digital custody and reliable notification**. Logalty ensures the integrity and authenticity of documents through identity verification methods that, while effective, **may be less dynamic and flexible compared to those of Tecalis**. Its offering may lack the intelligent automation and customization that characterizes Tecalis in digital onboarding KYC processes. Additionally, there is no information on its website regarding KYB technologies, global listings, AML controls, and other important aspects. **How to choose between Logalty and Tecalis?** When comparing Logalty and Tecalis, **both platforms excel in the field of identity verification and digital security. However, Tecalis distinguishes itself through its focus on intelligent automation and the personalization of the KYC process**, which allows for a smoother and more efficient user experience. Tecalis' ability to adapt to the specific needs of each client and sector, along with its integration of advanced identity verification technologies, provides a level of flexibility, legal validity, and speed that can be crucial for many businesses. On the other hand, Logalty remains a solid option for organizations that prioritize electronic signature and do not seek as much flexibility and personalization. **What is KYB (business verification) and KYC (Identity Verification)?** KYB is the acronym for the [**Know Your Customer**](https://www.tecalis.com/es/blog/know-your-client-conoce-tu-cliente-kyc) process, which **consists of confirming that a user who is going to become a customer**, employee, supplier, etc. **is who he/she claims to be**. To do this, a series of questions ([**KYC Form**](https://www.tecalis.com/es/blog/formulario-kyc-documento-requisitos-cuenta-know-your-customer-cliente-banco-financiero-datos-banca)), anti-fraud controls and **documentation and data checks** are performed automatically and digitally to enable the registration or purchase operation. **It is mandatory in many industries.** KYB is the [**Know Your Business**](https://www.tecalis.com/es/blog/kyb-know-your-business-conoce-tu-negocio) process: it consists of carrying out a series of **controls and checks that must be performed before starting to work with another business, partner, client-company (B2B) or partner**. This model automates all the processes carried out in [**Due Diligence**](https://www.tecalis.com/es/blog/due-diligence-diligencia-debida-que-es-kyc-kyb-cliente-ampliada). **Can I integrate electronic signature systems within digital onboarding?** **Absolutely**, **Tecalis recommends merging the signature process with the KYC/KYB process.** By doing this and Tecalis acting as a unified platform and process, we obtain a double benefit: the greatest possible regulatory support by integrating everything in the same audit trail and the best user experience avoiding abandonment and friction in the process of registering a new user. **Can I use Tecalis Identity technologies for other types of processes or tasks?** **Yes,** all the functionalities and tools that you can find on our product pages **can be integrated independently to streamline and automate any process**. [**Schedule a meeting with a**](https://www.tecalis.com/es/solicita-demo) Tecalis [**expert**](https://www.tecalis.com/es/solicita-demo) and we will analyze your activity to propose a **solution 100% adapted in price and operational functionalities**. **Why do you need RegTech digital onboarding and QTSP services?** In the vast majority of markets and regions **companies are required** to perform these controls and use RegTech trust services provided by QTSPs in order to **operate.** Standards such as **AML6, eIDAS 2 or PSD3 in** addition to the requirements imposed by **regulators** such as **SEPBLAC, OFAC** or other counterpart bodies demand to perform these Due Diligence procedures on the users you work with.  In addition, having these systems in place will allow you to **operate easily, without large investments and without a presence in +500M markets such as Europe** by simply integrating agile and affordable technologies into your digital onboarding processes. On the other hand, **you will mitigate any risk and fraud attempts before they occur and increase productivity and streamline the work of previously inefficient or costly teams.** **More on compliance, anti-fraud and digital onboarding software** These tools are technology platforms designed to **automate identity verification and regulatory compliance**. They use advanced technologies such as **optical character recognition (OCR) and computer vision** to extract and validate information from identity documents or directly from the web and generate reports. They incorporate **biometrics, such as facial recognition**, to compare document images with selfies in real time, ensuring that the user is who they say they are. In addition, they integrate **data analysis and machine learning to assess the risk of customers and companies, identifying suspicious patterns and anomalies.** These tools **connect to global databases and public registries to verify the legal existence of companies, clients and the authenticity of documents presented or connect with banks**, among many other functionalities and options. --- #### The best Firmafy alternative: Tecalis eSignature **URL:** https://www.tecalis.com/alternatives/firmafy-electronic-signature-comparative **Descripción:** Firmafy and its alternatives differ in price and functionalities. This comparison table analyzes the best eSignature tools. **How to choose an electronic signature solution** Companies adopting electronic signature solutions **reduce document handling expenses by 85%**. From a **higher level of security to reducing risks and building a better customer experience**, choosing the right electronic signature provider can help you accelerate your business growth. Reading our guide will help you determine the key features to wisely choosing the solution that best fits your goals. Download it now! Download Guide Why you need to consider these key points The use of electronic signatures has a decisive influence on decisive factors for the correct functioning of a company, the development of its activity, key operations and the relationship it maintains with its customers, employees and suppliers.  This mini-book will allow you to discern the main points to consider when choosing a signature solution. An exclusive guide where you will find detailed information about: Discover the electronic signature solution that best suits your needs Download Guide en 2022-03-24T09:33:01.000Z 2022-03-16T10:34:15.000Z 2025-03-07T07:41:31.000Z supplier electronic signature 16 **firma-img1a-en.png** firma\_img1a\_en\_84c61eb9b2 .png image/png 552.11 local 2023-03-21T10:01:18.000Z 2024-05-29T11:55:00.000Z Cover eBook Electronic Signature 977 1173 **thumbnail\_firma-img1a-en.png** thumbnail\_firma\_img1a\_en\_84c61eb9b2 .png image/png 130 156 36.77 **large\_firma-img1a-en.png** large\_firma\_img1a\_en\_84c61eb9b2 .png image/png 833 1000 699.52 **medium\_firma-img1a-en.png** medium\_firma\_img1a\_en\_84c61eb9b2 .png image/png 625 750 432.46 **small\_firma-img1a-en.png** small\_firma\_img1a\_en\_84c61eb9b2 .png image/png 416 500 225.16 5318f314-4e49-59b9-af0f-0d493d92136e **firma-img2a-en.png** firma\_img2a\_en\_b7396eba6e .png image/png 883.64 local 2023-03-14T13:01:21.000Z 2023-03-14T13:20:50.000Z Tecalis integrations and compatibility 1060 1284 **thumbnail\_firma-img2a-en.png** thumbnail\_firma\_img2a\_en\_b7396eba6e .png image/png 129 156 28.09 **large\_firma-img2a-en.png** large\_firma\_img2a\_en\_b7396eba6e .png image/png 826 1000 755.41 **medium\_firma-img2a-en.png** medium\_firma\_img2a\_en\_b7396eba6e .png image/png 619 750 439.3 **small\_firma-img2a-en.png** small\_firma\_img2a\_en\_b7396eba6e .png image/png 413 500 210.3 c76ac6fa-3380-595e-a705-409bab15baa7 **How to choose an electronic signature solution** **ebook-firma-electronica-en.png** ebook\_firma\_electronica\_en\_b20563990c .png image/png 613.84 local 2023-03-21T10:00:49.000Z 2024-09-24T13:50:34.000Z eBook about how to choose an Electronic Signature 1800 993 **thumbnail\_ebook-firma-electronica-en.png** thumbnail\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 245 135 32.8 **large\_ebook-firma-electronica-en.png** large\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 1000 552 312.87 **medium\_ebook-firma-electronica-en.png** medium\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 750 414 193.19 **small\_ebook-firma-electronica-en.png** small\_ebook\_firma\_electronica\_en\_b20563990c .png image/png 500 276 100.02 628d4591-2d25-5850-ba1f-feca2600e0f6 Infographic **Comprehensive management of the contracting cycle** Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. Download now flowchart signature en 2022-05-09T05:55:42.000Z 2022-03-29T14:16:19.000Z 2025-06-23T16:18:46.000Z https://go.tecalis.com/hubfs/infographics/complete-contracting-process-electronic-signature.pdf flowchart signature 0 4 **flujograma-en.png** flujograma\_en\_059361690f .png image/png 116.91 local 2023-07-05T16:23:19.000Z 2023-07-05T16:38:44.000Z Management of contracting infographic 656 592 **thumbnail\_flujograma-en.png** thumbnail\_flujograma\_en\_059361690f .png image/png 173 156 29.1 **small\_flujograma-en.png** small\_flujograma\_en\_059361690f .png image/png 500 451 136.46 f57eb141-25b5-5edd-8b53-d7cce56deca1 **Comprehensive management of the contracting cycle** **caso-de-uso-gestión-en.png** caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 625.88 local 2023-07-06T16:26:47.000Z 2024-09-24T13:00:34.000Z Infographic about the complete contracting process 2400 1324 **thumbnail\_caso-de-uso-gestión-en.png** thumbnail\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 245 135 26.73 **large\_caso-de-uso-gestión-en.png** large\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 1000 552 224.91 **medium\_caso-de-uso-gestión-en.png** medium\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 750 414 133.92 **small\_caso-de-uso-gestión-en.png** small\_caso\_de\_uso\_gestion\_en\_532f601fdd .png image/png 500 276 74.08 549d703e-e68e-55f4-b495-35807698d76c **Types of electronic signatures: Use cases and business applications** en 2023-08-02T09:28:09.000Z 2023-08-01T08:42:05.000Z 2023-08-02T09:28:10.000Z Reading time: 5 min. 2023-07-17 **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **Types of electronic signatures: Use cases and business applications** **tipos-firma-electronica-en.png** tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 845.45 local 2023-08-02T08:46:03.000Z 2024-08-28T07:43:04.000Z Signing with Tecalis Sign 2080 1080 **thumbnail\_tipos-firma-electronica-en.png** thumbnail\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 245 127 46.02 **large\_tipos-firma-electronica-en.png** large\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 1000 519 447.94 **medium\_tipos-firma-electronica-en.png** medium\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 750 389 277.9 **small\_tipos-firma-electronica-en.png** small\_tipos\_firma\_electronica\_en\_1a97e69d4b .png image/png 500 260 142.9 fbf2b0f5-5ff2-5083-bfdc-6dc80832ec32 **A more affordable, simple and powerful comprehensive tool**. Everything you need to manage documents and contracts. **Now free. No credit card needed**. Discover key differences between the most relevant services these two players offer: **Electronic signature types available** 3 9 **KYC identity verification** **Digital certificates manager** **Configurable and reusable templates** **Automated document drafting with AI-GPT** **eIDAS time stamp and regulatory support** **More than 6 evidences to guarantee identity and document validity** **SMS and certified email** **Comments and digital contracting tools** **Price** €€€ €€ **Verifactu electronic invoicing** **Pricing and discounts** Tecalis is a comprehensive and affordable electronic signature solution that does not miss anything at all. Our commitment to companies in all industries and the fact that it is a proprietary solution allows us to offer a truly competitive proposal compared to Firmafy. Just ask us for a quotation. **Features and functionality** The most feature-rich electronic signature tool on the market. Create, sign and manage documents digitally with customers, employees and partners. All the features expected from the best eSignature tool plus all the features of Firmafy and much more. **Legal support** As a QTSP supported by the European Union, Tecalis offers RegTech solutions with absolute legal guarantee. Tecalis electronic signature solution strictly complies with the security standards of regulations such as eIDAS, RGPD, HIPAA and FERPA or SOC 2. **Simplicity and ease of use** As complex as your most expert teams need and as simple as your less digitized users demand. Tecalis stands out for a first-class user experience with easy but absolutely powerful menus, options and tools. **Security and support** Tecalis platform availability is complete and you will hold dedicated teams and resources to help you grow. You can make use of the award-winning Tecalis platform and interfaces or choose to integrate the technology into your own systems and tools **Integration and systems** We offer different models of ad-hoc integration by ourselves. Whether you already have another solution in place or are integrating eSignature for the first time, Tecalis can be up and running on your systems in minutes thanks to a simple connector, either via API, SSO or Webhook. Why choose Tecalis **Tailored to you** Unlike Firmafy, Tecalis combines the best of an agile and affordable e-signature solution with the power of custom software development. Contact our experts to receive a customized competitive deal and tailor the platform to your needs. **Leading features** All the differential features and options that have made SMBs and large multinationals grow and save. Find options for collaboration, forms, envelopes, bulk mailings, sequential sendings, document collection, SMS, calendar, audit trail, etc. **All-in-one platform** Unify all your document management, signature, data processing, electronic notifications and legal issues on a single platform. Easily connect with other Tecalis solutions (Customer Hub, KYC, KYB, RPA...) and with your favorite tools thanks to easy-way integrations. **Scaling with you** More operations in less time, at lower cost. A scalable solution that evolves according to your pace and needs. Change and shape the platform as your business and your customers' needs change. Continuous updating and adaptation to new demanding standards. Frequently asked questions (FAQ) about Tecalis Sign **About this comparison** **Electronic signature platforms have revolutionized document management in companies.** Tecalis and Firmafy are two of the leading tools, each with specific features and benefits. Below, we compare both platforms to highlight their functionalities and suggest which might be more suitable for different business needs. **About Tecalis Sign** **Tecalis stands out for its comprehensive, 100% legal, and customizable approach.** It offers multiple levels of security, from simple signatures to processes with biometric verification and KYC (Know Your Customer) for higher risk levels. Additionally, Tecalis complies with eIDAS regulations, ensuring the legal validity of its electronic signatures in the European Union. **Key features include five-year document custody, support for various types of signatures (simple, two-factor, certified, OTP via SMS, and biometric), and integration with existing enterprise systems.** These characteristics make Tecalis a robust and versatile solution for companies seeking flexibility and high security standards. **About Firmafy** **Firmafy focuses on simplicity and speed.** Its interface is straightforward without excessive functions and integrates popular tools like Google Drive and Dropbox, as well as other CRMs, similar to Tecalis. Firmafy also complies with eIDAS regulations, ensuring the legal validity of its signatures. **Firmafy offers an agile user experience for signing simple documents without much complication.** However, it may not have the same level of customization and advanced security as Tecalis. **How to choose between Firmafy and Tecalis** **Both platforms are solid options, but the choice will depend on the company's needs.** If a straightforward and easy solution is required but also highly customizable with multiple options for your business, Tecalis might be the most complete option, offering advanced functionalities such as identification methods and long-term custody. On the other hand, if simplicity is the priority, Firmafy could be sufficient. In conclusion, **while Firmafy offers efficiency and ease of use, Tecalis positions itself as a more robust and adaptable platform for each different user**, capable of meeting the security and customization needs of companies looking to grow and work with all types of documents. **What is biometric advanced signature?** The [**biometric electronic signature**](https://www.tecalis.com/blog/biometric-signature-what-is-advanced-electronic-digital-uses) is a standard that was set by the European [**eIDAS**](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services) regulation that identifies the signatory unequivocally. Its use ensures superior regulatory support and guarantees that the document can be used as valid evidence in the event of a legal dispute. **Which electronic signature plan should I choose?** Each professional, business or company is different. Depending on their activity, phase and sector, their needs vary. We recommend in-depth exploring our detailed [**Tecalis Sign plans page**](https://www.tecalis.com/pdf/pricing-sign-web-en.pdf) or contacting [**one of our experts**](https://www.tecalis.com/request-demo). **Can I try Tecalis Sign before I buy it?** Yes, we offer a 14-day free trial of Tecalis Sign with no obligation. After that, you can decide whether to continue or return to Tecalis Sign Free. **Can I upgrade my signature plan at any time?** Yes, simply go to the "Contracting" section in your Tecalis Account area settings to select the plan that suits you best. If you want to switch to an API integration of the Enterprise plan, our team will take care of everything for you. **In Tecalis Sign, will my documents be maintained from one plan to another?** Yes. There is no change in progress or stored data when switching between plans. It will simply unlock all new functionality in the platform and expand the number of signatures allowed. **Do I need to have an account or subscription for my recipient to sign?** No. The recipient of an electronic signature request directly accesses the document signing process (or KYC identity verification / KYB document validation if configured). Once completed, the user can decide to create an account in order to easily access their signed documents and other uses. **Does my electronic signature subscription renew automatically?** Yes, you can access all billing information in the corresponding section of your Tecalis Account area. **Can I cancel my Tecalis Sign subscription?** Yes, at any time. There is no permanence. Once you have canceled, you will enjoy Tecalis until the next payment cycle (monthly/yearly), at which time the subscription will end and you will not be charged again. You can continue to access and use Tecalis Sign Free. --- ### Partners | Partner Program | Tecalis **URL:** https://www.tecalis.com/partners **Descripción:** Join the Tecalis Partner Network. Expand your portfolio, enhance your products and services or become an ambassador. Choose your ideal partnership. **Partners Tecalis** Become a certified Tecalis partner and join our network of experts. Grow your business through the best experience for your customers. We are looking for companies to build stable relationships with, willing to promote the use of Tecalis to achieve exponential growth. Our program is open to all those interested in providing their customers with the best digital experience. **Advisors and consulting firms** Advisors and consulting firms **Technology companies** Technology companies **BaaS and financial services** BaaS and financial services **Anti-fraud institutions** Anti-fraud institutions **Associations and universities** Associations and universities **Startup Accelerators and Incubators** Startup Accelerators and Incubators **Public and private investors** Public and private investors **Governmental Institutions** Governmental Institutions **Why be a Tecalis partner?** For over 10 years, [Tecalis](https://www.tecalis.com/about-tecalis) has offered the best digital solutions for its customers: [electronic signature](https://www.tecalis.com/products/electronic-signature), [identity verification](https://www.tecalis.com/products/identity-verification), [automation](https://www.tecalis.com/products/rpa-automation), and [sales software](https://www.tecalis.com/products/customer-hub-sales).  Joining this project will allow you to incorporate new tools into your stack, enhance your brand, and earn extra income by generating new business opportunities. **Improve your value proposition** Our broad and competitive product portfolio will allow you to improve your value proposition and increase your profits. **Maximize customer satisfaction** Tecalis solutions improve your customers' experience and satisfaction while saving time and money. **Exclusive partner portal** Our portal will make client management, resource acquisition, and task completion as simple as possible. **Co-marketing actions** We carry out different co-marketing campaigns to promote and increase your sales. Do you have any questions? Don't worry, our Head of Global Partnerships will be pleased to help you. **Learn about our Partner Program** **Reseller** Boost your business with our solutions * Maximize your income, and earn commission based on transaction volume. * Expand your portfolio with trust, identity, and automation services. * Reduce development costs with a consolidated RegTech partner. **Referral** Add value with a Trusted Third Party * Receive bonuses for every lead converted into a customer.  * Contribute to your customers' success by strengthening your relationship. * Increase your profits with minimal financial risk. **Integrator** Complete your experience with our ecosystem * Get exclusive discounts for operation volume. * Receive premium advice and support during integration. * Grow your business and access new markets and sectors. **Startup** Get exclusive benefits for your startup network * Boost your growth with additional revenue and free credits. * Simplify their access to industry-leading RegTech technology.  * Everything they need to get started, exclusive support and advice. Ad-hoc integration models for your business Use the platform and interfaces designed by Tecalis or integrate the technology into your software, websites, ERP, or CRM. Deliver a first-class UX/UI branded experience connected to your tools. **API** Complete and gradual integration. Integrate eSignatures in your address book or use our microservices layer to call preconfigured workflows. **SSO** Create documents and include Single Sign-On to the platform in any of your channels or ERPs. Configure the process and subsequently manage the operations performed. **Webhook** Get alerts for every signature, change of status, or notification. Set up specific actions in any system. Questions about our Partner Program **How does the Tecalis partner program work?** Our program includes four types of partnerships: * Reseller. Boost your business with our solutions * Referral. Add value with a Trusted Third Party * Integrator. Complete your experience with our ecosystem * Startup. Get exclusive benefits for your startup network Depending on the type of program that best suits your organization's characteristics, you can receive a percentage of our services' billing to the end customer or a special volume discount. [Schedule a meeting](https://meetings.hubspot.com/raul-louzao-uribe) and find out the details. **What benefits will I receive?** Collaborating with Tecalis will allow you to: * Earn additional income. * Complete your portfolio of products and services. * Access our exclusive portal for Partners. * Expand your audience.  * Receive personalized support and training. * Participate in co-marketing actions. * Access helpful resources and documentation. **How can I join this program?** Fill out the form and our team will contact you as soon as possible. **What services will Tecalis provide me?** We offer state-of-the-art digital solutions: * [Electronic signature](https://www.tecalis.com/products/electronic-signature) * [KYC/KYB identity verification](https://www.tecalis.com/products/identity-verification) * [RPA - Process Automation](https://www.tecalis.com/products/rpa-automation)  * [Customer Hub: omnichannel sales software](https://www.tecalis.com/products/customer-hub-sales) --- ### Tecalis joins the FIDO Alliance and its standards **URL:** https://www.tecalis.com/news/fido-alliance-members **Descripción:** The FIDO Alliance sets standards for authentication methods to reduce password reliance and improve security. **[FIDO Alliance (Fast IDentity Online)](https://fidoalliance.org/)** is an open-industry association with a clear focus: to establish **standards in relation to authentication processes** to reduce the dependence on passwords and boost security in all sectors. Tecalis becomes a **member of the Alliance** committed to upholding the three sets of specifications developed by FIDO: Universal Second Factor (FIDO U2F), Universal Authentication Framework (FIDO UAF) and FIDO2, including the Client Authentication Protocol CTAP contained in the latter set. With this step, Tecalis joins companies such as **Microsoft, Google, Apple, Amazon, Facebook, Mastercard, American Express, VISA or PayPal** in addition to other leaders in payments, telecommunications, government and health care that use this standard to offer their products and services with the highest quality, promoting the use of **advanced authentication solutions in the systems and processes of their customers**. **Customers, users, suppliers or employees** can access the platforms, services or products they need thanks to FIDO standards with absolute **security, privacy, trust and agility**. With this access method, they can even **perform high-risk operations at a later stage**. Tecalis Identity Verification, Electronic Signature or Authentication solutions offer Strong Authentication MFA-based tools. with Tecalis joining the FIDO Alliance as an associate member, this **compliance with FIDO standards and specifications is officially certified** and a commitment is made to **promote the objective of the Alliance in all sectors and, especially, in projects and companies that use Tecalis technology**. With this step, Tecalis joins companies such as Microsoft, Google, Apple, Amazon, Facebook, MasterCard, American Express, VISA or PayPal. --- ### Interview with Isidoro Martinez in Finnovating News **URL:** https://www.tecalis.com/news/interview-isidoro-ceo-industry-finnovating-news **Descripción:** Tecalis CEO, Isidoro Martinez, has granted an interview in Finnovating News on the occasion of the company's accession to this platform. Tecalis CEO, Isidoro Martinez, has granted an interview in Finnovating News on the occasion of the company's accession to this platform. In it, a journey through the history of Tecalis as a company that began as a disruptive startup and is now a RegTech leader is exposed, driving digitization and growth in all sectors, but offering solutions especially needed for industries such as financial and related. You can check out the story at [Finnovating News](https://www.finnovating.com/news/interview-with-the-ceo-of-tecalis-isidoro-martinez/) or directly below: ## INTERVIEW Isidoro Martínez is founder and CEO of Tecalis, a consolidated company with experience in identity solutions (KYC / AML / SCA) RegTech, electronic signature and communication and RPA & BPM that allows companies to optimize and simplify their processes to save time, retain loyalty to their customers through experience and expand their business. Digitization is the future and Tecalis is aware of the transformation that companies require, especially those in the FinTech sector. Therefore, they have decided to join Finnovating with a clear goal, which is to expand, collaborate and offer high-quality digital tools to FinTech clients around the world. ## FINNOVATING (F): COULD YOU SUMMARIZE YOUR PROFESSIONAL CAREER AS AN INTRODUCTION IN A BRIEF REVIEW? Isidoro Martínez (IM): At the age of 16 I created a wireless network to bring internet to several people who did not have telephone access, I think that was when I knew that technology and entrepreneurship were my thing. In my early years, I combined my studies in computer science with the world of sales in a company called Telco. At the age of 19 I created my first company which, although it did not work, gave me great knowledge. Along the way until today, many more projects have taken place: a social network, a blockchain platform and a booking application, among others. Thanks to all these experiences, in 2010 we were able to create Tecalis and today we can say that we have achieved our purpose: to build a company that has a positive impact on society. I believe that we are succeeding in changing the way people interact with businesses on the Internet. ## (F): YOU ARE THE CURRENT CEO OF TECALIS. COULD YOU EXPLAIN THE CORE BUSINESS OF TECALIS TO US? WHAT SERVICES DOES IT OFFER? (IM): At Tecalis we develop software and technology that helps companies reinvent, optimize and simplify the way their users interact with them. We combine technology, agile development and a unique culture to be the digital partner of reference for clients. We are currently focusing on a digital product based on identity and trust services: we offer a 360 solution for identity verification (KYC / AML), multi-factor authentication with biometrics (SCA / PSD2), signature (eIDAS) and electronic communication (certified electronic burofax) and fraud prevention and digital risk management controls. In addition, Tecalis RPA & BPM helps our clients improve their productivity thanks to the most cutting-edge, intelligent and accessible software. ## (F): HOW DID THE IDEA COME ABOUT? (IM): At Tecalis, with more than 10 years of experience, we have been solving the most complex challenges of our clients with disruptive technology. Currently, it is crucial that companies have a strategic partner that accompanies them, providing experience, knowledge and solutions to face the daily challenges that they face on a day-to-day basis and prepare to face those of the future. We wondered how to solve the following aspects of our clients: Their need to provide their potential clients with more agile, friendly and safe incorporation processes and provide their current clients with the best experience and service. Their need to expand to other markets. Their need to comply with the technical and regulatory standards of your sector, area and region. Their need to grow in sales, billing. Their need to digitize, innovate and optimize processes, reducing costs and increasing productivity. Their need to implement processes in an agile and secure way. Their need to enhance your products and services with new features. Being aware of the needs of the environment, we create a 360 digital product stack that helps our clients join the best way to grow: scale. Integrating Tecalis solutions implies accessing a world of possibilities that were not considered before. ## (F): WHAT IS THE VALUE PROPOSITION OF TECALIS? (IM): The product we develop works 24/7, is tested, is reliable and adapts to each and every one of the channels, systems and applications of our clients, both online and onsite. It is adapted to the highest regulatory standards (AML / KYC / eIDAS / GDPR / SCA / PSD2) and is updated to comply with those to come before they go into effect. But, really, the value proposition of Tecalis rests on the way we conceive our activity: we like to create to innovate, we are committed to quality in everything we do, we talk from you to you with our clients, we rely on professionalism and the knowledge to develop projects and we embrace sustainability as a necessary imperative. ## (F): WHO IS TECALIS’S CLIENT? (IM): Tecalis solutions are implemented in more than 15 different industries and for all operational areas of the organizations. Any company that cares about the needs and ambitions that I mentioned earlier is our client. However, the financial and banking sector is actively demanding this digital product. Also related sectors such as insurance, the investment sector or trading platforms, for example. On the other hand, what we do is make a full impact on the so-called X-Tech, which are the present and the immediate future of the economy and society: FinTech, WealthTech, EdTech, LegalTech, InsurTech, GovTech, RegTech, PropTech … We are experts in converting industries and areas with the best digital product. Digitization is impacting all industries and its possibilities are endless, creating new business models thanks to the solutions that technology companies can provide. ## (F): HOW DO YOU THINK TECALIS CONTRIBUTES TO PROMOTING AND TRANSFORMING THE CURRENT FINANCIAL SECTOR? (IM): The digitization of the financial sector has been taking place for years but it is true that at this point the focus in the industry comes more from the part of reformulating these digital processes so that they are more modern, agile and comply with the new regulations. Not too long ago, opening a bank account online, for example, could be a headache, and still is for the potential clients of many banks, financial institutions and FinTech. However, Tecalis provides the financial sector with solutions and processes so that operations in the sector that previously took days and required a large amount of time and material and human resources can now be carried out in minutes and in an agile, automated and completely digital or remote way. . The financial sector is one of the most regulated industries both at a technical and regulatory level, however, the impulse of government institutions when legislating allows, specifically in Europe, to offer products and services with total security and ease if they are complied with. the appropriate technical requirements. This is where Tecalis provides solutions and accompanies the financial sector to make this possible. The same, this applies to trading platforms, crypto exchanges and any FinTech actor that needs RegTech KYC, AML, GDPR solutions, etc. to be able to operate. Insurance and investments also take advantage of these solutions with a highly intuitive graphical interface with which we provide the user with an optimized experience in the onboarding, contracting, signing or registration processes. ## (F): HOW DO YOU THINK THE IMPLEMENTATION OF DIGITAL FUNCTIONALITIES WILL AFFECT THE TRADITIONAL BUSINESS MODEL? (IM): Basically in the following aspects: Unprecedented increase in productivity, helping employees focus on important and qualitative tasks and leaving everything that can be automated, which is a lot, to digital tools created by experts. Considerable cost reduction in any area of ​​the business, but especially in the processes of incorporation of new clients, hiring and related. Businesses will be able to scale their activity exponentially. They will be able to grow globally without borders and serve in many countries. (F): IS TECALIS INTERESTED IN PARTNERING WITH LARGE COMPANIES IN THE SECTOR? (IM): Of course. Tecalis already has trusted partners with whom we generate incredible synergies. Apart from the strategic alliances with major players, Tecalis has a solid community of collaborators who promote the growth and expansion of its members and facilitate constant innovation. Our Partner Program allows our partners to increase profits and grow by closing projects and opportunities unattainable separately for both parties. Our partners have new tools and business opportunities as well as an environment of growth, methodology and high innovation for their businesses. In this way, they can expand their portfolio with the leading digital transformation solutions and generate higher margins by offering Tecalis to contacts or clients. We do it in different ways depending on the needs and opportunities explored for each agreement. We invite other major players to contact us and we can value working together to grow the sector, the economy and the clients of both. ## (F): HOW WOULD YOU CONVINCE INVESTORS TO TRUST THE FINTECH SECTOR AT SUCH A SENSITIVE TIME FOR THE ECONOMY? (IM): Investors can rest assured that they place their trust in a sector that has a future. The financial sector can reinvent itself and innovate thanks to technology partners that take it to the future and help it grow. Innovation is an insurance for growth and a lot is being done in the financial sector and there is still more to do. ## (F): HOW WILL TECALIS EXPAND INTERNATIONALLY? (IM): Tecalis already has clients in more than 20 countries and offices in 5. One of the main benefits of our solutions is that they allow our clients to enter new markets without additional investment in infrastructure. Expanding globally is now possible for any bank, financial institution, insurer or FinTech thanks to the KYC process, the new standards in customer acquisition and the solutions offered by Tecalis. We accompany our clients in their expansion and internationalization processes, providing experience, technology and knowledge. ## (F): WHAT DO YOU THINK CAN BE THE IMPACT OF DIGITAL PLATFORMS IN THE FINTECH INDUSTRY? (IM): The democratization of services that were previously available to few or that had to go through too many intermediaries is a consequence of the rise of these FinTech digital platforms. Now, the world of finance has approached many users who previously did not consider entering it. This can mean the growth of the sector. Also, this approach can produce an increase in trust towards FinTechs if we carry out the activity with safety, compliance and ethics, something that at Tecalis we are committed as imperative. ## (F): WHAT DO YOU THINK ARE THE SECRET INGREDIENTS OF FINNOVATING THAT MAKE IT A UNIQUE PLATFORM? (IM): At Tecalis we believe that Finnovating greatly helps this work that I previously commented to build trust around FinTech, its products and services, as well as promoting innovation and growth. It is a unique platform because it allows us to act with information to better decide and create synergies with the rest of the players in the sector. ## (F): WHY IS TECALIS INTERESTED IN BEING PART OF FINNOVATING? WHAT ARE YOU LOOKING FOR IN THE FIRST GLOBAL FINTECH PLATFORM? (IM): With this action we seek to expand our network of contacts, alliances and projects in order to continue in our mission to provide the sector with the best and most disruptive tools that promote their businesses from all possible perspectives. Being able to be an active part of Finnovating is an insurance to be able to promote the sector by working with the main players to be able to work on specific projects that result in better solutions, services and products for clients, society, the economy and citizens. The industry's focus must be on reformulating processes to make them more modern, agile and compliant with the new and constantly changing regulations. --- ### Tecalis, RegTech100 2022 company **URL:** https://www.tecalis.com/news/RegTech100-2022-company **Descripción:** The new RegTech100 list for 2022 was launched today. The list honors the most innovative technology vendors worldwide. The **new RegTech100 list for 2022** is launched today. Now in its fifth edition, the list recognizes the **world’s most innovative technology solution providers** that offer **products and services in the areas of compliance, risk management, information security and financial crime**. The RegTech (regulatory technology) industry has experienced **rapid growth over the last two years** as financial institutions dealt with **rising tide of regulatory changes and rules updates** brought by remote working and increased use of digital channels post Covid-19. As a result, RegTech spending by **banks, insurance companies, investment services businesses** and other highly regulated institutions is projected to **exceed $130bn by 2025**. Thus, it’s not surprising **this year’s process to identify the 100 RegTech innovation leaders was more competitive than ever**. A panel of analysts and industry experts voted from a longlist of **nearly 1,200 companies** produced by RegTech Analyst, a specialist research firm. **Tecalis has been chosen for its innovative use of technology to solve significant industry problems and generate efficiency improvements across the entire regulatory compliance function.** RegTech Analyst director of research Mariyan Dimitrov said, “**Banks, insurance companies, investments and crypto ones and other financial institutions and related areas** are investing heavily into AI capabilities to automate highly manual regulatory tasks, support digital onboarding processes and monitor for fraudulent activity. The RegTech100 list helps them filter through all the vendors in the market by highlighting the leading companies in sectors such as **identity verification, risk management, communications monitoring, information security and financial crime prevention.**” ![Tecalis RegTech100 2022](/uploads/imagen_actualidad_regtech_1_1_e8ad03a5ee.png) FinTech Global announces fifth annual RegTech100 list to highlight tech companies that are transforming regulatory processes --- ### Tecalis shows in Mobile World Congress 2022 **URL:** https://www.tecalis.com/news/mobile-world-congress-2022-barcelona-mwc **Descripción:** Tecalis will be at the Mobile World Congress Barcelona 2022 with physical presence in Hall 4 Stand 4C100. Tecalis will be at the Mobile World Congress Barcelona 2022 with physical presence in **Hall 4 Stand 4C100**. As part of Tecalis' commitment to **technological innovation and the promotion of the software development area**, the company will develop an **intense agenda of activities** in the 2022 edition of the MWC, to be held **between February 28 and March 3.** Tecalis, which has recently revamped [**its digital product stack**](https://www.tecalis.com) to offer a **holistic platform** that encompasses **all phases of the customer journey** - in addition to associated corporate operations - will bring to the event a **detailed and targeted proposal for each industry and functional business area.** Tecalis' proposal for MWC includes the presentation of agile and affordable systems, easily integrated in **SaaS model under a unified platform**. It includes, the **most demanded technologies** in all sectors: **Identity Verification** (KYC/AML - Digital Onboarding), **Electronic Signature** (eIDAS), Certified Communication, **Authentication** (MFA&SCA Strategy, KBA, and **Biometrics**), Anti-Fraud Controls (Prevention, Analysis, and Risk Management) and **Automation** (**RPA&BPM**, End-to-End Digital Transformation).  These fields are approached from a holistic perspective that enables our customers to grow, develop and expand while increasing their productivity, efficiency, and security. Tecalis digital products are based on **Artificial Intelligence and Machine Learning**. On the other hand, after acquiring a **presence in the 4 largest telecommunications operators in Spain** (Telefónica (O2), Orange, Vodafone, Más Móvil and their associated brands), Tecalis comes to MWC with a unique and differential proposal for the **telecom sector**. **Tecalis is the first technology startup to provide software simultaneously to all operators with operator licenses (non-MVNOs)**. This allows **Tecalis** to **present at MWC The First Software Bundle Deploy&Go for the telecommunications sector**. Telecom businesses can **transform their business model completely in less than 3 months without impacting their IT teams** with a cross-channel solution that allows them to **remove and automate** operations as important in the sector as **SIM activation**, **swapping**, **management of the point of sale** or the **contracting of** products and services, among many others. Tecalis has been chosen by Red.es to be part of the list of members of the Spain Pavilion for the Mobile World Congress 2022. --- ### UiPath Business Partner and Tecalis RPA **URL:** https://www.tecalis.com/news/UiPath-Partner-Business-RPA **Descripción:** Tecalis is now a UIPath Business Partner thanks to its digital platform. UiPath and Tecalis offer cutting-edge RPA. Tecalis has become a **UIPath Business Partner** thanks to its [**Tecalis RPA-Automation**](https://www.tecalis.com/es/productos/rpa-automatizacion) digital platform. UiPath, a leading company in the development of platforms for robotic automation of processes, joins Tecalis to create a leading proposal for cutting-edge RPA. According to several Gartner studies, **more than 90% of large companies** will have adopted some form of RPA solutions by 2023 and **the growth of these platforms will have tripled** by 2025. The objective of the **UiPath partnerships** is to create robotic process automation platforms based on a **scalable and comprehensive approach in a robust, qualified** and easily adopted way in all markets **globally**. Solving the **challenges** of today's companies requires the integration of cutting-edge automation solutions powered by artificial intelligence and machine learning technologies.  **Tecalis RPA is able to address both perspectives** expected in a world-leading automation and integrations solution, something that is beyond the reach of most automation platforms: \- Be **affordable and simple**, making it possible for **any employee**, even the least digitized, to run software bots to **automate their tasks without any advanced knowledge, unleashing creativity and productivity**. \- Be **powerful and functional** so that the **most expert IT teams**, if they so desired, could squeeze the most out of the RPA solution and create, for example, a chatbot in a day **without complex, costly and time-consuming development projects**. **Cost and time savings** have enabled companies integrating RPA to lead their sector, regardless of their activity, thanks to digital platforms and innovative, simple and scalable applications, now within the reach of both the largest companies and any SME. Our experts in digital transformation and Business Process Management analyze business models in the most relevant industries and areas. **Discover how RPA can transform you in days without impacting your business or committing to large investments. [Schedule a no-obligation meeting here.](https://www.tecalis.com/request-demo)** Tecalis has become a UIPath Business Partner thanks to its Tecalis RPA-Automation digital platform --- ### Introducing the first ID technology for the metaverse: AIT **URL:** https://www.tecalis.com/news/avatar-identity-techonology-metaverse-meta-identification-id **Descripción:** Tecalis has shown Avatar Identity Technology, an innovation now a reality that will drive the growth and security of Web3. Tecalis launched at [**Centro GáiasTech**](https://gaiastech.xunta.gal/es/actividades/presentacion-de-tecalis-avatar-identity-technology) - an open innovation space that drives the launch of the most disruptive solutions - the first identity verification technology for people and avatars for [**the metaverse**](https://www.tecalis.com/blog/metaverse-what-is-identity-risks-possibilities-who-access-opportunities-how-to-enter).   The **risks faced in these virtual environments** are not very different from those faced by companies and users in the real world. **Identity fraud, impersonation, theft or harassment** become issues to be resolved in a place where we present ourselves with an altered identity.  The creation of avatars based on a real identity is crucial to **avoid any kind of illicit activity in these digital worlds**. Therefore, the design, creation and implementation of **Tecalis Avatar Identity Technology** comes to solve all the challenges faced by the different metaverse or related environments that limit their **growth and reliability.** **Globally** conceived **and applicable to any platform**, this pioneering system addresses, among many others, the following challenges that the metaverse was not yet firmly addressing: \- The **automated creation of avatars based on** the user's **real identity** and **biometric** facial **pattern**, and adapted to the look-and-feel of the platform in question. \- The **identification of avatars** that do not correspond to and **link** them **to the real and officialized identity of the controlling user.** \- The creation of a **transversal and global centralized ID framework system** for **Web3** and metaverse landscape. \- The implementation of advanced **anti-fraud controls** and [**KYC (Know Your Customer)**](https://www.tecalis.com/blog/kyc-know-your-customer) standards in the [**onboarding of users**](https://www.tecalis.com/blog/digital-onboarding-customers-employees) in target platforms. \- Bringing RegTech tools and regulatory **compliance** closer to the industry, starting with standardization. For further information about this technology, its **capabilities, integration models and functionalities** you can access the technology and product [**launch event**](https://www.tecalis.com/es/eventos/avatar-identity-verificacion-identidad-metaverso-kyc) or [**contact Tecalis**](https://www.tecalis.com/contact). ![presentación avatar identity](/uploads/imagen_actualidad_avatar_1_b190ea8c37.png) Tecalis has shown Avatar Identity Technology, an innovation now a reality that will drive the growth and security of Web3. --- ### We have been chosen as AIFinTech Company 2022 **URL:** https://www.tecalis.com/news/fintechai-100-2022-company-award-fintech-ai **Descripción:** Tecalis has been chosen for recognition for its use of AI for the most advanced solutions in the FinTech area. **The second edition of the AIFinTech100**, which **recognizes the best and most influential FinTech companies that are successfully using artificial intelligence and machine learning in a leading position to transform financial services, banking, and related areas**, has been launched. This prestigious ranking **gives visibility and analyzes** the solutions of the most cutting-edge providers **worldwide** that develop artificial intelligence (AI) and machine learning technologies to **solve challenges or optimize efficiency** in finance and its ancillary industries. The integration of AI and data analytics solutions by financial institutions has led in the **last two years to accelerate technological and engineering advances**, expand the use of online channels, and allow banks to adapt in a convenient and automated way to **changes in the regulatory frameworks of** all countries around the world, both in the most dynamic and the most restrictive economies. According to the latest studies, it has been estimated that **the potential cost savings for banks through AI applications will reach $447 billion in the next financial year**. **Banking, insurance, customer experience, investment and trading, and regulatory compliance** have all leveraged the advances of these vendors to **grow, scale, and optimize their operations**. As such, the process of selecting the finalists for the final 2022 AIFinTech100 shortlist has been extremely competitive. A panel of industry experts and analysts used as a basis the research conducted by FinTech Global that resulted in **more than 2,000 finalist companies composing the final ranking with only 100 of them**. "Now, more than ever, established financial institutions need to be aware of the latest AI and data analytics technology in the market to **offer competitive financial products and reach new customers**. The AIFinTech100 list helps industry decision-makers sift through all the vendors in the market, **identifying innovative market leaders that will have a lasting impact on the industry and provide technologies of true quality and effectiveness.**" Richard Sachar, Head of Global FinTech. The complete AIFinTech100 ranking and detailed information about each company's solutions, as well as why they have been selected, can be downloaded free of charge from the [**awards website.**](http://www.aifintech100.com) ![Tecalis is an AIFinTech 2022 company](/uploads/imagen_actualidad_aifintech_1_18f8637344.png) Leading the technological development in cutting-edge Artificial Intelligence and Machine Learning applications for the FinTech area. --- ### Avatar Identity shows in Innpulso Emprende 2022 **URL:** https://www.tecalis.com/news/innpulso-2022-metaverse-avatar-identity-govtech-emprende-valencia **Descripción:** We bring to the IV edition of the Innpulso Network the technology for metaverse that adapts to cities. **Innpulso Emprende** is the meeting of **mayors** of **digital and relevant cities in the national and international scene** focused on innovation and entrepreneurship. **Each city registered in the** [**Innpulso Network**](https://redinnpulso.es/), under the Ministry of Science and Innovation, **can participate together with a company or enterprise** to showcase an innovation project applicable to the goal of achieving smart cities, climate neutral, more sustainable and **able to offer digital public services** to citizens in a safe and agile way. ## **A GovTech innovation ecosystem**  The **City Council of Ames chose Tecalis** as the Galician company to represent it at the sixth edition of this event, sponsored and held at the **Valencia City Hall**, coinciding with the **VLC Startup Market**.   The proposal led by both organizations focused on the visibility of **Tecalis** [**Avatar Identity Technology**](https://go.tecalis.com/hubfs/tecalis-avatar-identity-technology-1.pdf)'s proprietary system. This, conceived for use within **metaverse** platforms, can also be integrated by cities to identify and authenticate citizens for digital interactions with their administration.  ## **Metaverse and cities: challenges and opportunities** ![metaverse img](/uploads/Blog_ekyc_1_1_83a86e216a.png) The **system creates a unique virtual identity associated with the real identity of a physical person** that can be used on a multitude of Web 2.0 and Web3 platforms. The process takes less than a minute and is capable of designing and identifying three-dimensional avatars for metaverse platforms or government websites. The technology has state-of-the-art tools that allow it to work dynamically and intelligently to register users from 193 countries and their identity documentation without even the need to previously select which one it is. **More and more cities have opted to invest and take a leap** towards different metaverse platforms. Tecalis Avatar Identity Technology comes to solve the three main challenges of this ecosystem and that have to be tackled to extend its use and possibilities: **the identification of users in these digital environments according to the most demanding technical, security and regulatory standards possible, its incorporation in a simple and accessible way and the mitigation of fraud so that the operations carried out on these platforms are 100% guaranteed**. Access the streaming video of the [**Tecalis Avatar Identity technology launch event here**](https://www.youtube.com/watch?v=f3X-PY2TB30). ![Avatar Identity shows in Innpulso Emprende 2022](/uploads/Blog_edtech_2_1_6616db84a4.png) We bring to the IV edition of the Innpulso Network the technology for metaverse that adapts to cities. --- ### Tecalis reaches 1st position in the global RegTech ranking **URL:** https://www.tecalis.com/news/top-regtech-award-first-position-finnovating-awards-fintech-2022-2023 **Descripción:** Tecalis is the Top 1 RegTech 2022 company internationally by Finnovating among more than 70,000 companies. **Finnovating** is the most extensive platform for innovation and high-growth digital **FinTech and InsurTech** startups (as well as the rest of the **[X-Techs](https://www.tecalis.com/blog/x-tech-xtech-what-is-business-industries-sectors-fintech-ecosystem-companies)**) with **more than 70,000 companies and investors in 116 countries**. This global hub brings together industry leaders and relevant players from the most dynamic and thriving areas of the economy.  As part of the **[Finnovating Awards 2022](https://finnovating.com/news/finnovating-awards-of-2022/)**, the platform presents a list of the **30 most relevant companies in its global community**, 3 per area. The technological and innovative grouping that makes up the platform is thoroughly **analyzed by several groups of experts in the various digital and innovation ecosystems** as well as **exclusive data** to compile the final ranking. There are four key aspects analyzed and which determine the experts' decision, especially when it comes to placing the 3 finalists in their positions: **\-** General assessment of the **company's business model**. **\-** The **projects and clients** they work on. **\- Corporate management** and the functioning of their **teams**. **\- Long-term scalability** of the project and its **presence in different markets**. This analysis results in the ranking that includes the sub-areas of FinTech, RegTech, InsurTech, EdTech, HealthTech, LegalTech, PropTech or sustainability.  Within the **RegTech** area, **Tecalis** consolidates its position in **first place** for its contribution to a wide variety of industries and areas in terms of **innovative product**, which has resulted in **enabling disruptive use cases** in key operations for the development of the activity and **both internal and customer-related operations**. ![1st place top RegTech 2022 Tecalis](/uploads/imagen_actualidad_regtech_1_8ec78a4c65.png) Tecalis is a Top 1 RegTech 2022 company internationally by Finnovating among more than 70,000 companies. --- ### Asturias, the first Spanish Region to use KYC technology **URL:** https://www.tecalis.com/news/asturias-primera-comunidad-kyc-tecalis-identity-autonoma-transporte-cta-conecta-tarjeta **Descripción:** Asturias becomes the first Spanish region to use a KYC solution in its public transport network. The **Principality of Asturias** is already the first Autonomous Community of Spain and **the first European region to incorporate a Know Your Customer system for the registration of users in its public transport service**. The Asturias Transport Consortium (CTA) has chosen Tecalis as a RegTech partner, using its Identity platform to enable an innovative use case in the sector. **Download now the complete dossier with all the detailed information about the project and access to the videos made about the systems and their operation ➾ [Access now](https://www.tecalis.com/case-studies/asturias-mobility-transport-consortium-kyc-onboarding-conecta-first-spanish-regional-government-kyc)** The CTA has launched its **CONECTA** proposal, thus renewing the image of the public transport Consortium and the overall experience of its users when using the entire network. With this launch, a **new mobile application** is presented, available for all types of devices and operating systems, which allows users to **use and request the new digital and physical cards with NFC technology that identify the user and charge their transport tickets**. Both from the mobile app and from the Consortium's websites and other digital channels, **this card can be requested in an absolutely simple way and with the possibility of immediate launch thanks to the implementation of KYC Tecalis technology**. The CONECTA project has also involved the sealing of agreements to reach the current 30 transport zones, which will be increasing. The creation of this **single ticket** updates the Asturian mobility proposal. It moves from old-fashioned web forms or in-person applications to **instant requests and recharges** through a variety of digital channels. Radines López - Technical Director of the CTA - says: "**The easy and immediate integration of the Tecalis solution in all our channels has solved one of the challenges we have been facing in recent times: finding simple yet powerful systems without the need to invest in expensive IT projects**". [![Process KYC CTA](/uploads/imagen_actualidad_cta_1en_396c3ee85b.png)](https://www.youtube.com/watch?v=kkpxR9cC8SQ) Asturias becomes the first Spanish region to use a KYC solution in its public transport network. --- ### Launching our new image and corporate identity. **URL:** https://www.tecalis.com/news/new-coporate-identity-brand-branding-tecalis-image-rebranding-logo **Descripción:** Tecalis renews its visual ecosystem adapting the brand to its recent growth, platform and values. **Tecalis will launch its new corporate branding on February 16**. A change that **maintains the essence of the company’s history**, but also showcases its renewed values and growth experienced in the last few years. The **change of the logo and the graphic ecosystem** that define the platform, its products and visual elements is accompanied by the expansion into **new markets and the closing of large-scale projects**. This affects the company everywhere it operates and cuts across its diverse digital product range. This rebranding also seeks to create a renewed design system that improves the flexibility of the elements to prioritize resources, to get better time-to-market in multi-brand integration processes and to give Tecalis channels the capacity to make audiovisual content changes in less time. "2022 was a year of **great opportunities and growth for Tecalis** in which we have managed to **consolidate our position as a RegTech benchmark** in the industry. The work of our team has been widely **recognized** by prestigious organizations and institutions and has obtained the motivating applause of our **customers and strategic partners**. The **dynamism** that has always characterized us is evident, and the last few years have involved a process of internal **transformation** that has resulted in a business with agile**, flexible and committed teams**. In 2023, we want to take **a big leap forward** and renew the way we present ourselves to the world, **adapting our visual and brand proposal** to the current feel and nature of the company. We approach **projects and our products** from an innovative perspective and with an eye on the **immediate future and the trends of each industry**. Our **digital ecosystem** is transforming the reality of thousands of users and the businesses they patronize every day thanks to trusted e-services. User **identification** and authentication, electronic **signature** and notifications, and **AI-based automation** systems have been merged into a single **platform** capable of solving the most pressing **use cases** for **businesses of any nature and characteristics**. **As of today, Tecalis has a new identity.** An **updated approach** that better reflects the way we accompany our customers on the road to growth. This **progressive change in stages** will be implemented over several weeks in our **brand** standards **(logo, typographies, graphics, shapes, colors...)**, our platform and **range of digital products** and our **web ecosystem**. Keeping much of the visual and geometric elements that have characterized our identity, we evolve our _design system_ and marketing and communication pieces to unite them to the rhythm of our growth and product. **I thank all our teams, partners and customers** for joining us on this shared journey of change, strength and future." **Isidoro Martínez Soñora, CEO Tecalis** On the other hand, this transformation **allows our partners to have greater facilities to insert Tecalis elements in their channels**, as well as to enable a more versatile system in the dashboards for brand adaptations that are made to **customers who have integrated the company's products through API or webservice.** Tecalis will **roll out** its new corporate branding **gradually** and in phases to ensure a smooth and frictionless transition for the millions of users who interact with its platforms. Tecalis renews its visual ecosystem adapting the brand to its recent growth, platform and values. --- ### Tecalis, best software development company in Spain **URL:** https://www.tecalis.com/news/tecalis-software-development-award-winning-techbehemoths-awards-it **Descripción:** Tecalis obtains this recognition among more than 40,000 candidates worldwide and the final selection of +200 Spanish software development companies. The German platform **TechBehemoths brings together the most relevant international IT companies** and is the driving force behind major projects between technology service providers and industry-leading companies acting as seekers. Its advanced and accessible ecosystem - as well as its important partners - have accompanied its growth to the **current +40,000 technology companies that make up its key global community**. Each year, it conducts international studies using insights and data obtained from its platform and microeconomic analyses commissioned from a panel of expert IT consultants. The [**TechBehemoths Awards 2022**](https://techbehemoths.com/awards-2022/web-development/spain) focus their proposal on an **exhaustive analysis by areas and countries**. First, a **selection of markets** is made in which the IT industry stands out for its dynamism and contribution to the economy. This year 44 finalists stood out from the rest of the **143 analyzed countries**. In Spain, out of the **final panel of 222 outstanding companies in software development services, 8 have been chosen as the best for their excellence, track record during the year, and positive feedback from their customers and users, including Tecalis.** In the words of TechBehemoths, "its great business performance in 2022 and its scalable business model has earned Tecalis this recognition". This award is in addition to the one already obtained by Tecalis in the TechBehemoths Awards 2021 when it was awarded for being [**one of the three Top Custom Software Development companies**](https://techbehemoths.com/awards/custom-software-development/spain#view=41586). Last year, the **level of service and excellent support to customers who opted for custom software development** was valued, while in 2022 **Tecalis moved up a category for its scalable growth and its SaaS and PaaS product range approach**. ![Premio TechBehemoths Mejor desarrollador de software | Best Software Developer 2022 badge](/uploads/imagen_actualidad_software_developer_1_e466c505b7.png) Tecalis obtains this recognition among more than 40,000 candidates worldwide and the final selection of +200 Spanish software development companies. --- ### Tecalis is a Qualified Trust Service Provider (QTSP) **URL:** https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas **Descripción:** The Qualified Trust Services Providers (QTSP) list includes Tecalis and makes it an eIDAS compliant company. **Tecalis notified its activities as a Qualified Trusted Electronic Services Provider to the European Commission** and the Government of Spain through the Ministry of Economic Affairs and Digital Transformation in compliance with **EU Regulation 910/2014 and 6/2020 - [eIDAS (IDentification, Authentication and trust Services)](https://www.tecalis.com/blog/eidas-electronic-identification-trust-services)**. Thus, as a RegTech company that has been **offering identity and electronic signature based services to leading players in all industries for more than 10 years**, it joins the list of qualified providers of electronic trust services (TSL list) to **continue boosting electronic transactions in the internal market with the qualification of the corresponding national and international bodies and institutions**. Being video-identification enabled for the issuance of qualified certificates, **Tecalis has a second generation Know Your Customer technology that will easily adapt to the regulatory update of eIDAS 2 and its Digital Wallet when it comes into force**. We joined the list of the European Commission and the Ministry of Economic Affairs and Digital Transformation. --- ### Tecalis, once again RegTech100 Company **URL:** https://www.tecalis.com/news/company-regtech100-2024-ia-reg-tech-regtech **Descripción:** The RegTech100 2024 awards recognize Tecalis for the second time as one of the world's most influential and innovative RegTech companies. The list of the **world's 100 most influential and innovative companies offering RegTech solutions** was released today. FinTech Global and RegTech Analyst award this recognition to industry players that **stand out for their presence in the market, specific projects carried out for their clients and the positive impact of their solutions**. The [**RegTech100 2024 list**](https://fintech.global/regtech100/) includes Tecalis in its seventh publication, valuing its proposal in qualified trust services such as QTSP, **SaaS software development with proprietary technology in products that solve decisive use cases for the operation of leading players in all industries and the disruptive integration of Artificial Intelligence and other advanced techniques to achieve a differential performance**. Therefore, global pioneers in technology solutions that stand out in areas such as regulatory compliance, risk management, information security and financial crime prevention are distinguished. The field of RegTech (regulatory technology) has experienced rapid growth in recent years. This growth is attributed to companies with a financial component **(BFSI areas), telecommunications and utilities**, which have been challenged by the tide of regulatory changes and updates to both regulatory and international regulations. Spending on RegTech technology alone by banks and other highly regulated institutions (insurance, financial services and others in the FinTech ecosystem) is projected to **exceed $130 billion by 2025**. The selection process for this year's 100 Leaders in RegTech Innovation has been highly competitive. An exclusive panel formed for the RegTech100 2024 comprised of **analysts, industry association executives, journalists and industry experts cast their votes after reviewing an extensive list of more than 2,000 companies** compiled by RegTech Analyst. Tecalis was recognized for its innovative approach to the application of proprietary technology (something not so common in the industry) that has outperformed on average by **helping its customers address significant challenges in their industries, save costs and grow, going beyond strictly RegTech as a differentiating mark of its value proposition**. ![Empresa RegTech100](/uploads/92_RT_10024_Tecalis_ecb3b6e511.png) Tecalis is listed as a RegTech100 Company for 2024 by FinTech Global and RegTech Analyst, valuing its proposition in trust, development and AI services. --- ### Tecalis wins TechBehemoths Award '23 in AI & Custom Software **URL:** https://www.tecalis.com/news/artificial-intelligence-recognition-winning-software-dev-techbehemoths-awards **Descripción:** We managed to stand out in the awards for the best companies of the global community in Artificial Intelligence and Custom Software Development categories. ![TechBehemoths Awards 2023](/uploads/banner_award_2023_41586_long_fa296a718f.png) 2023 has been **the most intense and competitive year** to date for the **TechBehemoths Awards.** These **international awards** highlight and recognize the **most relevant companies in technical and professional areas** among the **more than 47,000 registered ones**. For the third consecutive year Tecalis has once again managed to position itself as a benchmark company in key areas for today's economy. Based on market impact metrics on the platform and as a result of the public voting process (accessible to professionals in the specified areas) and with the selection of the expert jury by area and country, Tecalis has been awarded as winner in: * [**Artificial Intelligence**](https://techbehemoths.com/awards-2023/winners/artificial-intelligence/tecalis) * [**Custom Software Development**](https://techbehemoths.com/awards-2023/winners/custom-software-development/tecalis) The German organization and global platform TechBehemoths brings together the most important technology companies worldwide. A community with more than 47K registered companies and receiving more than 3,000,000 visits annually from seekers from all industries and areas of activity in search of the **best solutions for the digital economy**. In 2023, it has driven more than 20K consultations on disruptive projects in the main economies and markets. As we advanced, the result of the votes is the sum of three blocks: the metrics obtained by the company on the platform and the area of work they present on it, the open votes (sent by industry professionals) and the votes of the panel of experts acting as a jury by TechBehemoths. Tecalis has stood out for "the **integration of AI in its SaaS and PaaS products during 2023** and the good results of those **projects for market leaders with ad-hoc technology development**". This recognition is one more among those that Tecalis has obtained, having been awarded in the TechBehemoths Awards 2021 and 2022 as **Top Custom Software, Web & Mobile App Development Company** consecutively. In the past we were recognized for the level of service and the great support that the company gives to its customers, while in this 2023 closing we stand out for the **disruptive and functional use of proprietary AI tenoclogies and the construction of ad-hoc digital transformation projects with an agile, scalable and 100% cutting-edge approach**. We achieved first place in key areas of the global technology community . --- ### Tecalis founding team wins Emprendedores magazine award **URL:** https://www.tecalis.com/news/emprendedores-emprendedores100-isidoro-martinez-alberto-campos-entrepreneur-entrepreneur-award **Descripción:** Isidoro Martínez and Alberto Campos, designed Entrepreneurs100 2024 for their decisive impact on the current environment, society and economic ecosystem. **Isidoro Martínez and Alberto Campos** have been named [**Emprendedores100 2024**](https://emprendedores-es.translate.goog/casos-de-exito/100-emprendedores-2024/?_x_tr_sl=es&_x_tr_tl=en&_x_tr_hl=es&_x_tr_pto=wapp) by the community and leading economic magazine. In its third edition, the magazine **Emprendedores (Entrepreneurs)** designates the **100 most relevant founders who, due to their professional trajectory and contribution, generate an essential impact on the environment, society and the economic ecosystem**. **Emprendedores is the leading media in economics and business in Spain**, which addresses the crucial news and events occurring at the level of economics and business management. It analyzes the **most important trends and business opportunities for entrepreneurs, start-ups, franchises, SMEs, freelancers and large corporations**. ## Emprendedores100, a reference community The main selection criteria for being an Entrepreneur100 in this edition consisted of the forecast of entrepreneurs who are **going to have a decisive impact on the economy and society in 2024 and until 2030, given their trajectory in the last period analyzed**. The importance of **sustainability** in the mission or in the very development of the companies undertaken by those selected also influenced the decision of the final filter in those shortlisted companies. The way in which an important interaction with the environment is addressed has been relevant for the final shortlist: **creation of quality employment**, **development of products or services that generate a benefit for the environment or the resolution of relevant economic and social challenges through products or services that did not exist**, already having a full impact on society. ## About our founders: **Isidoro Martínez Soñora is CEO and founder of Tecalis**, he led the birth of the company together with Alberto adopting a **bootstrapping** approach. His **strategic vision** has been key to establishing Tecalis as a leader in customer onboarding solutions and trusted e-services, as well as being recognized as one of the **fastest growing companies in Europe (FT 1000)**. Isidoro prioritizes **up-to-date technology, outstanding user experience and customer centricity** in all operations. In addition, his commitment to ethical and sustainable business growth is reflected in the **numerous CSR awards** Tecalis has received. Isidoro Martínez: "_Entrepreneurship is the essence of turning a vision into a tangible reality that brings value to the market and society. A process that mixes creativity, analysis and effective resource management. Entrepreneurship means identifying unmet needs and responding with breakthrough solutions, always maintaining a clear balance between the ambition we have and the practical reality of the market in which we compete._" Alberto Campos Viqueria is a computer engineer with a degree from the UDC. His activity as **COO** of the company and founder has been fundamental to the **development of proprietary solutions for Identity Verification (KYC), Electronic Signature and BSS (Customer Hub)** that have revolutionized the market. Alberto has recently led the development of system enhancements, as well as the **implementation of strategic systems for companies such as Telefónica, Banco Santander, Grupo MásMovil, Orange or the Government of Singapore**. Alberto Campos: "_Entrepreneurship is more than starting a business; it is the act of taking risks, pursuing a vision and creating something meaningful. It is an exciting and challenging journey that involves creativity, resilience and the willingness to constantly learn._" Isidoro Martínez and Alberto Campos, designed Entrepreneurs100 2024 for their decisive impact on the current environment, society and economic ecosystem. --- ### Tecalis, CCII's IT Ethical Company once again **URL:** https://www.tecalis.com/news/sello-etica-tecalis-ccii-2024-software-engineer-best-practices-responsability **Descripción:** Tecalis renews its commitment to the CCII's éTICa seal of the General Council of Professional Associations of Computer Engineering of Spain T**ecalis has once again obtained the 'Empresa éTICa' (IT Ethical Company) seal awarded by the General Council of Professional Associations of Computer Engineering of Spain**. Previously, **Tecalis was the first company to obtain this distinction** that recognizes and makes visible those **companies that work in the world of ICT and that enhance their ethical commitment in their actions and activity**. The President of the CCII, Fernando Suárez, and the Director of Corporate Affairs and Impact of Tecalis, Berta Caro, sealed the agreement in Santiago de Compostela. The renewal this 2024 - 3 years later - demonstrates **Tecalis' commitment to the responsible and sustainable development of its technology**, which evolves and expands in accordance with the **most demanding regulations** and integrates **data and information processing models** in accordance with the highest standards of privacy and security. The CCII's 'Empresa éTICa' seal is a leading initiative in the industry that serves to highlight those entities and **companies that have specific policies for the ethical development of their professional activities in the field of technology, digital development and the IT profession**.  At a time when the digital transformation and the emergence of **AI** is revealed as one of the primary factors in the social and economic sphere and, in which elements such as big data and the proper treatment of data and information are so present in the day to day, the commitment to the 'Empresa éTICa' seal becomes even more relevant to **promote good practices, responsibility and sustainability in the day to day of technology companies**. Tecalis renews its commitment to the CCII's éTICa seal of the General Council of Professional Associations of Computer Engineering of Spain --- ### Launching Sign Free, the first free signing app **URL:** https://www.tecalis.com/news/tecalis-sign-free-electronic-signature-launch **Descripción:** Tecalis launches the first and only completely free electronic signature solution offered by a QTSP. Tecalis launches the **first and only totally free electronic signature solution provided by a QTSP** users can get within this period. Tecalis Sign Free is a **powerful document management, electronic notification and document signing tool** that covers all the basic needs to operate online in a secure and easy way. In order to be able to offer this product freely inside this period of time, Tecalis Sign plan offering has been restructured. We are **committed to democratizing the use of reliable electronic signatures with a 100% free and permanent model**. This technology - already standardized in the field of large companies - has not been adopted by many users and professionals for several reasons yet: difficulty of finding a free legally-binding solution, its complexity of use and the digital divide. If we perform a quick search on internet search engines about [**online signature**](https://www.tecalis.com/blog/sign-online-electronic-esignature-create-companies-signature-digital-documents-applications-platforms-make-for-free-pdf), we can find thousands of results that **apparently offer free digital signatures**. However, they do not meet the **requirements set by the bodies that regulate the legal and technical standards of eSignature**. On the other hand, in the current **market of electronic signature solutions provided by trusted service providers**, we can **only find free trial periods that end** after a few days. The **solution that we deliver today free of charge to any user** who wishes to use it includes **all the functionalities of our already competitive Starter Plan**, which now becomes Tecalis Sign Free. **Tecalis Sign Free platform is equivalent to the entry-level paid solutions of many RegTech players in the market**. _"Our goal is to democratize electronic signature technology and further advance in the adoption of digital trust services for all. For now we will guarantee that all accounts created will be free forever: we will be unconditionally providing professionals and companies with a free forever tool that allows them to act, operate and agree in a safe, legal and simple way."_ **Isidoro Martínez, CEO Tecalis**. Tecalis Sign e-signature platform stands out as **the only one with** [**GPT technology integrated as standard for AI drafting**](https://www.tecalis.com/blog/how-to-use-chatgpt-chat-gpt-alis-alisgpt-4-english-utilize) **of documents of all types**. 14-day open free trial for Tecalis Sign Starter will remain active and Business and Enterprise users can continue to request it by contacting sales. Those who do not continue with one of the paid plans will still be able to access all their documents and transactions within Tecalis Sign Free, with the functionalities and services associated with this free model on a permanent basis forever. Tecalis is a developer of RegTech tools (Identity Verification, AML, KYC, Digital Onboarding, Channel Management BSS Systems, etc) registered as a [**Qualified Trust e-Service Provider**](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas) (QTSP), which implies full support from the **European Commission** and the Government of Spain through the Ministry of Economic Affairs and Digital Transformation to act as a **trusted third party** under eIDAS regulation. With **proprietary technology designed from Galicia**, we drive and validate **millions of transactions between users, professionals, leading companies and governments**. The electronic signature solution meant to democratize this eSign technology thanks to a 100% free of charge plan for everyone, permanently and unconditionally. --- ### Top 15 Influencing Companies: Tecalis leads the list **URL:** https://www.tecalis.com/news/top-15-companies-it-tecalis-first-techbehemoths-gobal-most-influencing-platforms **Descripción:** TechBehemoths has listed the 15 most influential companies from its global ecosystem of +50K IT leaders worldwide, choosing Tecalis as #1. German platform **TechBehemoths has listed the 15 most influencing IT companies** to mark the milestone of reaching **over 50,000 companies worldwide** registered in its ecosystem. [**The list**](https://techbehemoths.com/blog/techbehemoths-50k-top-influencing-companies) \- headed by Tecalis - has been prepared taking into account the **impact of these companies in their respective fields and markets**. Tecalis has been selected for being one of the **most influential companies in the global technology industry** and its work in pushing the boundaries and basic standards of innovation, going **beyond with disruptive solutions with real application**. Emphasis has been placed on the ability of those selected companies to **exceed their customers' expectations** and **driving the way users and businesses connect, create and develop new use cases together**. TechBehemoths is the global platform for matching projects from all types of businesses with **technology companies that provide solutions to their challenges through innovative software and IT products**. This massive community powers real projects from more than 50,000 companies in 143 countries and over 7,000 cities every day and continues to grow. TechBehemoths has listed the 15 most influential companies from its global ecosystem of +50K IT leaders worldwide, choosing Tecalis as #1. --- ### Tecalis, ASEPEC collaborating partner ( **URL:** https://www.tecalis.com/news/asepec-tecalis-collaborating-member-partnership-association-services-providers-trust-qualified-spain **Descripción:** We join ASEPEC as a Qualified Trust Service Provider (QTSP) to strengthen and promote the industry and the impact of its RegTech solutions. **Tecalis joins [ASEPEC](https://www-asepec-es.translate.goog/quienes-somos/?_x_tr_sl=es&_x_tr_tl=en&_x_tr_hl=es&_x_tr_pto=wapp)** [](https://www-asepec-es.translate.goog/quienes-somos/?_x_tr_sl=es&_x_tr_tl=en&_x_tr_hl=es&_x_tr_pto=wapp)as a collaborating partner. The **Association of Qualified Trust Service Providers** is a key entity in the development of **digital identity solutions, electronic signature and trust services** in Spain and Europe. ASEPEC, founded with the aim of **promoting security and trust in electronic transactions, brings together the main companies in the industry**, working together with g**overnment institutions and regulatory bodies** to establish standards and improve the digital ecosystem, the economy, the information society and electronic transactions in Spain and the **European Union**. As collaborating partner, **Tecalis will actively contribute to the advancement of ASEPEC's mission**. As a **[Qualified Trusted e-Service Provider (QTSP)](https://www.tecalis.com/news/qualified-trust-services-provider-qtsp-european-union-eidas) and eIDAS-EU agent**, Tecalis will bring its expertise and vision to help drive secure digital transformation in Spain and Europe. This new role will allow Tecalis to continue to **participate and expand its reach in specialised forums, working groups and strategic collaborations** with other entities in the sector, contributing to the creation of regulatory and technological frameworks that respond to current and future challenges. ‘_**We are proud to be part of ASEPEC** and to work alongside other industry leaders to **ensure a secure, reliable and efficient digital future.**_’ said **Isidoro Martinez, CEO and founder of Tecalis**. This collaboration **reinforces Tecalis' commitment to continue delivering technology solutions** that meet the highest security and compliance standards in relation to **eIDAS and [eIDAS 2](https://www.tecalis.com/ebooks-whitepapers/eidas2-eudi-wallet-european-digital-identity)**, aligning with European market best practices and regulations. We join ASEPEC as a Qualified Trust Service Provider (QTSP) to strengthen and promote the industry and the impact of its RegTech solutions in the information society and the economy. --- ### Tecalis integrates Open Gateway APIs into its products **URL:** https://www.tecalis.com/news/open-gateway-integration-api-apis-tecalis-identity **Descripción:** Tecalis is the first and only QTSP to use Open Gateway technologies for digital onboarding processes, esignature, identification and BSS platforms. **Tecalis platforms and solutions for digital verification (KYC/KYB/AML), eIDAS electronic signature and BSS now integrate Open Gateway APIs**, a framework and cross-country initiative of information and technology exchange driven by the [**GSMA**](https://www.gsma.com/solutions-and-impact/gsma-open-gateway/) that allows whoever adapts them to securely access **key functionalities of mobile networks, public and private information of telecom businesses and anti-fraud databases worldwide**. In a commitment to innovation and security, **Tecalis** thus becomes the **first Qualified Trust Services Provider (QTSP) to use Open Gateway technologies.** ## **About Open Gateway** This initiative, supported by 87% of **telecom operators** globally and growing and involving developers in collaboration with the Linux Foundation's **CAMARA project**, provides **unified and secure access to capabilities such as number verification, device location and SIM swap fraud prevention**. Colloquially known as the [**Open Banking**](https://www.tecalis.com/blog/secure-payments-id-congress-open-banking-eidas-2-payment-services-psd2-psd3) **of Telecom companies**, GSMA Open Gateway is designed to facilitate **access to standardized network tools, systems, information and technologies shared by all carriers and telecommunications companies worldwide** that enable enterprises and advanced systems developers to enhance their digital applications and services with rapid, global deployment. Among the **APIs launched by the initiative that Tecalis has incorporated** are **SIM Swap**, **Number Verification**, **Device Location** and **Device Roaming**. With these, **Tecalis enables its customers to further strengthen** the security of their users and their operations, facilitating identity verification and protecting against fraud through **device validation and real-time authentication**. **In addition to the more than 50 native Tecalis controls already incorporated in products and platforms such as Tecalis Identity and Sign, the SIM Swap** API, for example, **now** facilitates the detection of recent SIM card changes (duplicate, replacement, etc.), a crucial measure to prevent financial fraud and identity theft. In addition, the **Device Location** API allows users to be authenticated by verifying their location, thus improving the accuracy of user identification without additional processes. These innovations are **particularly relevant in sectors such as finance, insurance, utilities and others** that require high security and real-time verification, as well as other sectors that demand network quality for critical applications. ![Integración y sistemas Verificación de Identidad](/uploads/Integracion_y_sistemas_id_es_755f9bb42a.png) ## **Integration in Identity and Tecalis' platforms** “_This integration with GSMA Open Gateway is a_ **_strategic step for Tecalis and its customers_** _in our mission to offer_ **_solutions that are more secure, capable, efficient and adapted_** _to the current demands of the digital market._ _By incorporating APIs such as_ **_SIM Swap_**_,_ **_Number Verification_**_,_ **_Device Location_** _and_ **_Device Roaming_**_, we not only_ **_improve_** _our customers_ **_experience_** _in_ **_critical industries_**_, but also contribute to creating a more reliable digital environment._ _These capabilities allow us to_ **_further strengthen security and authentication in real time_**_, essential in a world where the protection of digital identity is increasingly a priority_,” said **Alberto Campos, Founder and COO of Tecalis**. With this breakthrough, Tecalis reaffirms its commitment to **digital security and the continuous improvement of its users' experience**, consolidating its position at the technological forefront **alongside the main industry leaders**. These systems **have already been integrated into several Tecalis customer KYC onboarding processes** and will continue to reach all current and future customers of solutions such as Tecalis Identity, Sign and Customer Hub. Tecalis is the first and only QTSP to use Open Gateway technologies for digital onboarding processes, esignature, identification and BSS platforms. --- ### Tecalis integrates Open Gateway APIs into its products **URL:** https://www.tecalis.com/news/open-gateway-integration-api-apis-tecalis-identity **Descripción:** Tecalis is the first and only QTSP to use Open Gateway technology for its digital onboarding processes, esignature, identification and BSS platforms. **Tecalis platforms and solutions for digital verification (KYC/KYB/AML), eIDAS electronic signature and BSS now integrate Open Gateway APIs**, a framework and cross-country initiative of information and technology exchange driven by the [**GSMA**](https://www.gsma.com/solutions-and-impact/gsma-open-gateway/) that allows whoever adapts them to securely access **key functionalities of mobile networks, public and private information of telcos and anti-fraud databases worldwide**. In a commitment to innovation and security, **Tecalis** thus becomes the **first Qualified Trust Services Provider (QTSP) to use Open Gateway technologies.** This initiative, supported by 87% of **telecom operators** globally and growing (in Spain [**MásOrange**](https://www.tecalis.com/case-studies/orange-channels), [**Telefónica**](https://www.tecalis.com/case-studies/movistar-telefonica), [**Vodafone**](https://www.tecalis.com/es/casos-exito/vodafone-was-mayoristas-customer-hub-canales-alternativos) and all their associated brands and ISPs) and involving developers in collaboration with the Linux Foundation's **CAMARA project**, provides **unified and secure access to capabilities such as number verification, device location and SIM swap fraud prevention**. Colloquially known as the [**Open Banking**](https://www.tecalis.com/blog/secure-payments-id-congress-open-banking-eidas-2-payment-services-psd2-psd3) **of Telcos**, GSMA Open Gateway is designed to facilitate **access to standardized network tools, systems, information and technologies shared by all carriers and telecommunications companies worldwide** that enable enterprises and advanced systems developers to enhance their digital applications and services with rapid, global deployment. Among the **APIs launched by the initiative that Tecalis has incorporated** are **SIM Swap**, **Number Verification**, **Device Location** and **Device Roaming**. With these, **Tecalis enables its customers to further strengthen** the security of their users and their operations, facilitating identity verification and protecting against fraud through **device validation and real-time authentication**. **In addition to the more than 50 native Tecalis controls already incorporated in products and platforms such as Tecalis Identity and Sign, the SIM Swap** API, for example, **now** facilitates the detection of recent SIM card changes (duplicate, replacement, etc.), a crucial measure to prevent financial fraud and identity theft. In addition, the **Device Location** API allows users to be authenticated by verifying their location, thus improving the accuracy of user identification without additional processes. These innovations are **particularly relevant in sectors such as finance, insurance, utilities and others** that require high security and real-time verification, as well as other sectors that demand network quality for critical applications. “_This integration with GSMA Open Gateway is a_ **_strategic step for Tecalis and its customers_** _in our mission to offer_ **_solutions that are more secure, capable, efficient and adapted_** _to the current demands of the digital market._ _By incorporating APIs such as_ **_SIM Swap_**_,_ **_Number Verification_**_,_ **_Device Location_** _and_ **_Device Roaming_**_, we not only_ **_improve_** _our customers_ **_experience_** _in_ **_critical industries_**_, but also contribute to creating a more reliable digital environment._ _These capabilities allow us to_ **_further strengthen security and authentication in real time_**_, essential in a world where the protection of digital identity is increasingly a priority_,” said **Alberto Campos, Founder and COO of Tecalis**. With this breakthrough, Tecalis reaffirms its commitment to **digital security and the continuous improvement of its users' experience**, consolidating its position at the technological forefront **alongside the main industry leaders**. These systems **have already been integrated into several Tecalis customer KYC onboarding processes** and will continue to reach all current and future customers of solutions such as Tecalis Identity, Sign and Customer Hub. Tecalis is the first and only QTSP to use Open Gateway technology for its digital onboarding processes, esignature, identification and BSS platforms. --- ### Tecalis Awarded with Solidarity Company Seal **URL:** https://www.tecalis.com/news/solidarity-company **Descripción:** We allocate 0.7% of our Corporate Income Tax to social purpose projects developed by the Third Sector. **Tecalis** has been recognized as a **Solidarity Company 2024**, joining an outstanding **network of companies committed** to a positive impact on society. This seal is awarded by the [**Third Sector Platform (PTS)**](https://www.plataformatercersector.es/), which drives the initiative to **align the interests of companies with** key **social causes**, promoting their contribution to the [**2030 Agenda and the Sustainable Development Goals (SDGs)**](https://www.tecalis.com/es/actualidad/adhesion-pacto-mundial-naciones-unidas). The Solidarity Company distinction is aimed at **companies that chose to allocate 0.7% of their Corporate Tax** to finance social projects managed by Third Sector entities, addressing challenges such as poverty, exclusion and inequality. This voluntary act generates a critical fund for the development of programs of general interest, aimed at strengthening citizens' rights, welfare and social inclusion. For Tecalis, obtaining the **Empresa Solidaria Seal** represents a further step in its commitment to integrate social responsibility into the core of its business activities. The company, now part of this impact network, will collaborate in the **financing of health, inclusion, education and anti-discrimination projects**, among others, thanks to having checked the [**Solidarity Option in the Corporate Income Tax**](casillaempresasolidaria.es). Through this contribution, Tecalis becomes an active agent in social transformation, **promoting strategic alliances between the business sector and the Third Sector**, with the purpose of driving a change towards a **more just and equitable society**. “_At Tecalis, we **firmly believe in the power of partnerships and solidarity** to build a **more inclusive and sustainable society**._ _Being recognized as a Solidarity Company 2024 is an honor that reinforces our commitment to positive impact and motivates us to continue collaborating with the Third Sector in projects that generate real value for the communities we serve,_” stated **Isidoro Martinez, CEO and Founder of Tecalis**. This recognition not only highlights Tecalis' **social responsibility** but also reinforces its commitment to the **well-being of the community**, reaffirming the role of companies as catalysts for social change. We allocate 0.7% of our Corporate Income Tax to social purpose projects developed by the Third Sector. --- ### Tecalis, best AI and software solutions for the second year in a row **URL:** https://www.tecalis.com/news/tech-behemoths-awards-2024-2025-ai-customer-software-development-winners **Descripción:** Tecalis wins in Top AI Company and Custom Software Development categories from TechBehemoths Awards 2024. ![](/uploads/banner_award_2024_41586_long_1262037955.png) For the **second consecutive year**, Tecalis has been recognized at the **TechBehemoths Awards 2024 in the categories of Top Artificial Intelligence Company and Custom Software Development**, consolidating its position as a leader in the technology sector. This prestigious international recognition from the German platform highlights the **most influential and outstanding companies** in various technical and professional areas within the global B2B and B2B2C market. This reaffirms Tecalis' commitment to innovation and excellence in **customized and SaaS-based technology solutions at the same time**. This achievement is especially significant, as it marks the **fourth consecutive year that Tecalis has been recognized at the TechBehemoths Awards**, having won awards in previous editions in categories such as **Web and Mobile Application Development**. ### **About TechBehemoths Awards 2024** The 2024 edition of the TechBehemoths Awards has been the most competitive to date, with entries from **more than 53,000 IT companies and agencies worldwide in 57 countries, spanning 20 service categories**. The selection process for the winners is based on a combination of **market impact metrics, public votes from industry professionals and evaluation by a panel of experts**. This comprehensive approach ensures that the awards reflect technical excellence as well as customer satisfaction and industry influence. ### **Commitment to Innovation** Tecalis has excelled in its ability to **integrate advanced artificial intelligence technologies into its SaaS solutions, PaaS and custom projects for international clients**, delivering products that not only meet current standards, but also anticipate future market needs. In addition, its focus on custom software development has enabled its clients to obtain customized solutions that drive their digital transformation and market competitiveness beyond limiting SaaS, **combining the best of both worlds**. Tecalis wins in Top AI Company and Custom Software Development categories from TechBehemoths Awards 2024. --- ### Tecalis at the FT1000: Europe's Fastest Growing Company 2025 **URL:** https://www.tecalis.com/news/ft1000-ft-1000-tecalis-fastest-growing-company-2025-third-year-financial-times-statista **Descripción:** Tecalis again included in the Financial Times and Statista FT 1000 Europe's fastest growing companies 2025. **Tecalis** has once again confirmed its position as a benchmark for technological growth in Europe by **being included for the third time in the prestigious** [**FT1000 ranking**](https://www.ft.com/content/cb3e317e-e3cc-4e4a-a506-b755b2f94bb1), published by the international newspaper **Financial Times** and the statistical firm **Stadista**. After having been placed in previous editions in **2018 and 2019**, **Tecalis is again listed in 2025** among the **fastest growing companies in the entire European continent**, consolidating its ability to advance and innovate in an ever-changing economic environment. __"__I want to dedicate this recognition to our **clients**, **partners**, and especially **our amazing team**. Without them, this level of growth would not be possible. I want to emphasize that we're not just growing in **numbers**, but also in **resilience**, **innovation**, and **driving capacities**. The best is yet to come - with **RegTech software and hardware solutions** that are already boosting **growth**, **savings**, and the overall **experience** of both the European and global economy and society._"_ **Isidoro Martínez, CEO & Co-Founder Tecalis**. ![](/uploads/financial_times_1000_ranking2025_da0482f2a8.png) ### **Data-Based Listing and Recognition** The 2025 edition of the **FT1000: Europe's Fastest Growing Companies** compiles the 1,000 European companies with the **highest compound annual growth rate (CAGR) in revenue between 2020 and 2023**. Prepared in collaboration with data consultancy Statista, the ranking is based on strict criteria: **\- Revenue thresholds:** Companies must have generated at least €100,000 in 2020 and €1.5 million in 2023. **\- Organic growth:** It is verified that the evolution of revenues comes mainly from internal activities, excluding mergers or acquisitions. **\- Independence:** Only independent entities are considered, eliminating subsidiaries or branches of larger corporate groups. The analysis, which covers companies from 31 European countries, establishes a **minimum growth of 34.8% to qualify for inclusion in the list**. These conditions make it possible to identify economic players that have managed to **prosper even in periods marked by uncertainty** arising from the pandemic and other global challenges. In the case of **Tecalis**, compound annual growth has been **well over 50% and absolute growth has exceeded 250%**. ### **FT1000 2025 Ranking Methodology and Context** The ranking is based on **certified official figures**, guaranteeing the transparency and rigor of the process. The methodology includes the **conversion of revenues into euros at the average exchange rate of the corresponding financial year**, ensuring comparability across heterogeneous markets. In addition, the exhaustive review of data, carried out by Statista, makes it possible to filter out missing or discrepant information, providing a detailed analysis of each company's performance. ### **Tecalis Success Story** In this competitive context, Tecalis stands out for its **sustained performance and capacity for innovation with new product and service ranges**. Repeated inclusion in the FT1000 is evidence that the company's growth strategy is based on **continuous investments in technology, process optimization and market diversification**. The company has been able to **take advantage of emerging opportunities** in the technology sector, enabling it to overcome challenges and **consolidate its presence in** an environment marked by accelerated digitalization and AI. Key factors that have driven Tecalis' growth include: **\- Constant innovation:** The commitment to research and development has been crucial to remain at the forefront, offering technological solutions that respond to current market demands. **\- Adaptation in times of uncertainty:** The ability to reinvent strategies and adjust internal operations has enabled Tecalis to weather economic crises and abrupt changes in the global landscape. **\- Results-oriented management:** The verification and certification of financial data, an essential requirement for the FT1000, demonstrates the company's commitment to transparency and excellence in business management. ### **Future Perspectives** Inclusion in the FT1000 2025 positions Tecalis to continue consolidating its position as a leader in the sector. The company has already begun preparations for the next edition, with **new projects and strategies to not only maintain, but exceed current standards.** growth Tecalis reaffirms its commitment to innovation, operational excellence and **long-term value creation**, setting a precedent for other European companies in times of change and volatility. In conclusion, the recognition awarded by the Financial Times and Statista in the FT1000 2025 to Tecalis is a tangible demonstration of the impact that fast-growing companies have on the **European and global economy**. For Tecalis, this achievement is both a tribute to its track record and an encouragement to continue driving transformation and sustainable development in an increasingly competitive market. Tecalis has once again been listed inside Financial Times and Statista list of the 1000 fastest growing European companies. FT 1000 Europe's Fastest Growing Companies 2025. --- ### Listing Among Europe’s Long-Term Growth Champions 2026 by the Financial Times **URL:** https://www.tecalis.com/news/europe-long-term-growth-champions-2026-financial-times-list **Descripción:** The Europe’s Long-Term Growth Champions 2026 list features Tecalis as one of the fastest sustainably growing companies in Europe. **Tecalis strengthens its leadership with sustained growth for more than a decade—now recognized by the Financial Times.** Tecalis has been included in the prestigious **_[Europe’s Long-Term Growth Champions](https://www.ft.com/reports/long-term-growth-champions-europe) 2026_ ranking**, compiled by the _Financial Times_ in collaboration with analytics firm **Statista**. This list identifies the 300 European companies that have **successfully achieved profitable, organic growth for at least ten year**s, overcoming crises and market shifts. “This recognition is especially meaningful because it validates not only our ability to accelerate, but also to sustain consistent growth on solid fundamentals over the long term. We are honored to be listed for the fourth time—this time for our trajectory.” — **Isidoro Martínez, CEO & Co-Founder, Tecalis** ### **A ranking that rewards resilience and strategic vision** Unlike the [**_FT1000: Europe’s Fastest Growing Companies_**](https://www.tecalis.com/news/ft1000-ft-1000-tecalis-fastest-growing-company-2025-third-year-financial-times-statista), which evaluates short-term growth speed, the **_Europe’s Long-Term Growth Champions 2026_ ranking focuses on long-term consistency**. The selection **criteria** include: * **Sustained growth between at least 2014 and 2024**. * **Minimum revenues of €100,000 in 2014 and over €10 million in 2024** in Europe. * **Independence and organic growth**, not reliant on acquisitions. HQ and origins in Europe. * **Financial rigor**, with thorough data verification by Statista. With these standards, **Tecalis ranks among the top 10 Spanish companies meeting the criteria**. The minimum entry threshold in this edition was a **CAGR of 9.8%**—a demanding benchmark achieved by only a very small number of companies across Europe. ### **Previous trajectory: also among the FT1000** Inclusion in this long-term growth ranking complements Tecalis’ earlier achievements. The company had **already been recognized in the _FT1000: Europe’s Fastest Growing Companies_ in 2018, 2019, and 2025**, where its rapid growth and scalability were highlighted. With both recognitions, Tecalis demonstrates **not only the ability to grow quickly but also to sustain that growth over time**—solidifying a robust and sustainable strategy. ### **The value of this recognition for Tecalis** Being part of _Europe’s Long-Term Growth Champions_ represents international **validation of Tecalis’ business model and its ability to generate long-term value**. Key benefits include: * Stronger reputation among **clients, investors, and strategic partners**. * Confirmation of **resilience and the capacity to grow** even in uncertain environments. * Momentum for international **expansion and entry into new markets**. * Motivation for the team, whose **collective effort is reaffirmed through this long-term achievement**. ### **What to expect from Tecalis’ growth in 2026** This recognition marks an **important milestone while also opening the door to new challenges**: * Continuing to **innovate with AI-based solutions that boost clients’ sales, new RegTech tools, and adaptation to emerging digital identity** standards. * Strengthening **operational quality** and process efficiency. * **Expanding into new industries and areas**, supported by the trust that recognitions like this inspire. Tecalis thus reaffirms its **commitment to innovation, transparency, and operational excellence**—building a future where technology drives sustainable growth for businesses and societies worldwide. The FT list recognizes Tecalis as one of the companies with the strongest sustained growth in Europe. --- ### Tecalis, new international award in AI and custom software **URL:** https://www.tecalis.com/news/tecalis-winner-techbehemoths-awards-2025-ia-custom-software **Descripción:** Tecalis, winner in AI and Custom Software Development at the TechBehemoths Awards 2025 for the third consecutive year. **![Premios 2025 Inteligencia Artificial y Desarrollo de software Tecalis TechBehemoths](/uploads/banner_award_2025_02fcd3c523.png "banner")** **For the third consecutive year, Tecalis has positioned itself at the top of the international technology scene by being recognized at the TechBehemoths Awards 2025 as the winner in the categories of:** * **[Artificial Intelligence](https://techbehemoths.com/awards-2025/artificial-intelligence/spain#view=41586)** * **[Custom Software Development](https://techbehemoths.com/awards-2025/custom-software-development/spain#view=41586)** **This double award **reinforces our leadership in the B2B sector** and demonstrates our ability to **offer high-impact technology solutions**, both locally and in the international market.** ## **About the TechBehemoths Awards 2025** ****In 2025, the TechBehemoths Awards celebrated their fifth edition with more momentum than ever**. Since their creation in 2021, they have become **one of the most prominent awards in the global technology and services arena**. This year, they brought together **more than 54.150 technology companies from 68 countries.** Their mission is to recognize organizations that drive innovation and digital transformation in **20 strategic categories** that reflect the most relevant trends in the sector.** **Of the **4,362 companies nominated worldwide**, only **1,900 companies have received this recognition**, which is approximately 1 in every 30 participating companies. This distinction allows companies to showcase their achievements with verifiable backing and has established itself as a **key criterion for customers seeking trusted technology partners.**** The winners are chosen using a system that **combines market indicators, assessments by industry professionals, and analysis by a specialized jury**, ensuring that the awards reflect both technical excellence and real impact on the industry. ## **Five Years Of Excellence Building a Technological Legacy** Tecalis has achieved an extraordinary milestone by being recognized by the TechBehemoths Awards for **five consecutive years**. This achievement positions us among the most prominent companies globally, reflecting a constant commitment to **quality, reliability, and continuous innovation**. Maintaining a level of sustained excellence for half a decade is an accomplishment that few organizations achieve in a sector as dynamic as technology. The 2025 award confirms our leadership in **Custom Software Development and Artificial Intelligence**, consolidating the achievements of previous years and highlighting our evolution towards increasingly personalized, scalable solutions aimed at boosting our clients' global competitiveness. This latest recognition is part of a sustained track record of achievements: * **2021 and 2022**: Awarded **Top Custom Software, Web & Mobile App Development Company**, consecutively. * **[2023](https://www.tecalis.com/news/artificial-intelligence-recognition-winning-software-dev-techbehemoths-awards)** **and 2024:** We achieved double recognition in the **[TechBehemoths categories of Artificial Intelligence and Custom Software.](https://www.tecalis.com/news/tech-behemoths-awards-2024-2025-ai-customer-software-development-winners)**  The first year, for the disruptive and functional use of proprietary AI technologies and for the construction of ad-hoc digital transformation projects. In 2024, the distinction rewarded the ability to integrate advanced artificial intelligence technologies into **SaaS, PaaS, and custom solutions** for international clients. Tecalis' uninterrupted presence at the **TechBehemoths Awards** year after year is not only a reflection of our leadership in technological innovation, but also tangible proof of our ongoing **commitment to excellence.** This legacy of awards demonstrates our ability to **consolidate advances** while anticipating and shaping future market needs. Tecalis recognized at the TechBehemoths Awards 2025 for leadership in AI and custom software, for the third consecutive year. --- ### Total Telecom Congress 2021 | Events **URL:** https://www.tecalis.com/events/total-telecom-2021 **Descripción:** Introducing our ‘Commercial Hub’ solution at the Total Telecom Congress, together with the main leaders of the global telecommunications market. Tecalis sponsored **Total Telecom Congress 2021**, where **we launched our 'Commercial Hub'** and shared our experience in the sector and customer testimonials such as **Orange, Telefónica and O2.**   Throughout the day, we showcased our value proposition for the **telecoms industry**: how to drive sales and empower teams with a single platform that fully covers different channels, brands and products. Discover how you can **optimize customer acquisition and retention** with a solution that is also supported by the rest of our digital identity products - identity verification, electronic signature, and process automation. --- ### Future Identity 2021 | Events | KYC | Tecalis **URL:** https://www.tecalis.com/events/future-identity-congress-2021 **Descripción:** We attended Future Identity 2021, one of the largest digital identity conferences in Europe. This year our identity verification solution rocked the place. We attended Future Identity 2021, one of the largest digital identity conferences in Europe, and presented our **KYC** and **digital onboarding solutions** for **banking and financial services.**  We shared our thoughts on how to **improve user acquisition, reduce costs, and mitigate fraud** while balancing technology, regulatory requirements, and user experience. Some of the key challenges facing the industry. Watch our full interview on the most interesting trends affecting digital identity today and in the coming years. --- ### Finovate Europe 2022 | Events | InsurTech | Tecalis **URL:** https://www.tecalis.com/events/finovate-europe-2022 **Descripción:** We were on hand at Finovate 2022 to showcase cutting-edge FinTech that financial institutions can deploy today. We participated in Finovate Europe 2022, one of the largest fintech conferences in Europe, to showcase our customer verification solutions. Our business teams provided **expert advice** and **live demonstrations on how to our KYC and digital onboarding solutions** can help firms improve customer acquisition and retention. Don't miss our interview! Discover how Tecalis can help you grow your business and keep your customers safe every step of the way. --- ### Future Identity 2022 | Events | Digital Identity | Tecalis **URL:** https://www.tecalis.com/events/future-identity-congress-2022 **Descripción:** We showcased our identity verification solutions at Future Identity 2022, one of the largest digital identity conferences in Europe. Tecalis participated as a sponsor of Future Identity 2022 to explore the key issues affecting everyone in the digital identity space, including **customer experience, security and fraud prevention**, interoperability, privacy and consent, inclusion and future proofing. Two powerful days of live demonstrations of our **Know Your Customer** solutions, networking with colleagues from all around the world, and discussions on the latest trends, challenges and technologies shaping the future of identity and trust. --- ### MWC 2022 | Mobile World Congress | Events | Tecalis **URL:** https://www.tecalis.com/events/mwc-2022 **Descripción:** Tecalis at Mobile World Congress 2022, the world's leading event in mobile technologies. Find out all about this amazing event. Once again, we participated in the Spain Pavilion at Mobile World Congress 2022, where we presented our latest solutions for the telecommunications sector. Among them was our **"Commercial Hub"**, a tool for the **comprehensive management of the point of sale** and the contracting of products and services, which also allows the automation of operations such as the activation of SIM cards. Our CEO, Isidoro Martínez, also spoke to us about **"The Future of Customer Experience and Digital Onboarding"**, a presentation in which he reviewed different strategies and success stories with customers. --- ### Money 20/20 Europe 2023 | Events | FinTech | Tecalis **URL:** https://www.tecalis.com/events/money-europe-2023 **Descripción:** Tecalis participated in Money20/20 with the major FinTech players. Find out all the details of this amazing event! Tecalis attended **Money 20/20 2023**, the event where the most innovative technologies for banking, financial services, and insurance came together to define the present and immediate future of the industry. The new digital economy requires technologies that address **AML challenges** and the implementation of agile, simple, and increasingly versatile **onboarding KYC** processes that enable all kinds of new use cases. From June 6th to 8th, we showcased our **frictionless identity verification solutions** in action. Find out how **Tecalis** can help you better **detect and prevent financial crime** while remaining compliant. --- ### Tecalis Avatar Identity | Event I Metaverse I Tecalis **URL:** https://www.tecalis.com/events/avatar-identity-verification-metaverse-kyc **Descripción:** Tecalis launches Avatar Identity, the first technology to guarantee security in the metaverse. Learn how to avoid risks in virtual environments. **Identity fraud** is becoming more and more common in every current technological environment and space, and the eminent **metaverse** is one of the spaces that can easily suffer from it. This cloud space will be characterized by avatars, identities, and new technological relationships, but how can we be sure that **the other person is who they say they are**? **Tecalis' Avatar Identity Verification** solution solves this problem. Using advanced techniques based on artificial intelligence and machine learning, it performs the necessary checks in real-time via video to **verify** that **the customer** is who they say they are. Don't miss this revolutionary presentation! --- ### Insurance Week 2024 | Events | Tecalis **URL:** https://www.tecalis.com/events/insurance-week-2024 **Descripción:** Tecalis participated in the Insurance Week, the main forum of the insurance sector. Discover the Customer Hub and our digital identity solutions. We have participated to seeing you at the **XXXI edition of Insurance Week**, the annual forum of the insurance industry. The principal companies, associations, institutions, and professionals of the sector will attend and explore the present and future of the industry. From February 20 to 22, we presented our **Customer Hub**, a tool that **centralizes all the activity of your channels, brands and product**s through **guided workflows** for your network of agents and brokers. As well as the development of **automations** and **analytics**. We also showed you our **digital identity products: [electronic signature](https://www.tecalis.com/products/electronic-signature) and [identity verification](https://www.tecalis.com/products/identity-verification)**. Discover how Tecalis helps you to **improve customer acquisition, reduce costs and mitigate fraud** while maintaining a perfect balance between technology, regulatory requirements and user experience. --- ## Renfe: eSignature for international agreements | Tecalis **URL:** https://www.tecalis.com/case-studies/renfe-global **Descripción:** Find out in our case study with Renfe, how using the Electronic Signature in your international contracting processes boost your efficiency in closings. **The client** Renfe is the **leader in passenger and freight rail transport** and the benchmark in the mobility sector in Spain and over. The intense work carried out in recent years has made Renfe one of the **leading railroad companies in the world, with an important international projection that will grow even more.** **The challenge** **More than 10% of the group's revenues will come from the international market** outside Spain by 2028. With several macro projects, **Renfe of America** and the PQQ Passport in the **United Kingdom**, it is shaping up to provide services in the rest of **Europe, America, Africa and the Middle East**. With **new requirements for** operations affecting the **legal function and the legal area**, **projects, agreements and** international **affairs** must be **carried out under a framework of complete security and with maximum legal backing**, as well as in an agile**, digitized and efficient manner**. **The solution** Renfe International decided to rely on **Tecalis technologies** for **Identity Verification, Electronic Signature, Certified Communication and Process Automation**. A comprehensive solution adapted to the **signing of decisive international contracts**, the management of projects and their associated **legal support.** With **parties involved in the agreements offshore in different countries**, transactions could be closed in **less than a day in** an agile, **efficient**, **paperless** way, integrating **several processes under the same platform**. **Why Tecalis** Tecalis proprietary technology allows not only to sign the agreement but to **work around the international documentation in a collaborative way**, boosting transparency, generating **trust in the parties** and creating a **favorable climate for the resolution of decisive operations**. **Integrating the different processes under a single system** provides a great user experience and **increases the success rate** in closing projects and eliminates any friction. --- ## Orange: Sales Channels transformation | Tecalis **URL:** https://www.tecalis.com/case-studies/orange-channels **Descripción:** See how Orange's transformed integrally its Sales Channels and Network Distribution reaching a higher conversion rate with complete business coverage **+10M** **activations with Tecalis seal** **+10** **years of experience in the Telecom sector** **+6000** **points of sale with Tecalis technology** **The client** Orange Spain, a **multi-brand group with more than 20 million customers**, offers a range of **high quality and competitive convergent products and services**, which has earned it the title of second national operator in mobile telephony and third in fixed telephony. **The challenge** Orange Spain has a **wide network of online channels, own stores, telesales system and alternative channels** that must be **attended, managed and converted into an experiential place**. Having an **expert partner in customer journey** to guide the company in this regard and provide it **with the appropriate process and management technology** was crucial to avoid abandonment in the last stages and not to waste the efforts and resources invested in sales and marketing. **The solution** Creating a **reinvented and secure system of differential processes** to **optimize**, **simplify** and make Orange'**s activity** more **effective and efficient** resulted in a major project with the **broadest operational coverage and transversal** to all channels. The system allows Orange to **perform all key operations of its activity**, **unifying in an experiential platform** for its **employees and customers** the **management of the channel, the activation of products and services, the after-sales, logistics and mobile management with business intelligence and connected to marketing.** **Why Tecalis** **More than 6,000 points of sale of the Orange Group and its brands**, millions of transactions and **more than 10 million activations with Tecalis seal** in the last two years have led players like this to be able to be the number one multi-brand thanks to this **way of understanding the customer journey in conjunction with business operations**. After **more than 10 years of** accompanying the main telecom players, Tecalis is today positioned as the **technological partner of reference for the telecommunications industry in Spain** and is perceived as a reliable partner at international level. --- ## Movistar: Self-KYC and Digital Contracting | Tecalis **URL:** https://www.tecalis.com/case-studies/movistar-telefonica **Descripción:** Discover how Movistar is preventing SIM Swapping thanks to the implementation of Self-Activation with our KYC and Electronic Signature solutions. **The client** Movistar is the flagship brand of the multinational telecommunications company Telefónica. This first telco in Europe and the fifth globally delivers its products and services with a leading approach. The company has decided to transform itself into a 'Digital Telecom' in order to position itself to meet the needs of its customers and capture new revenue growth. **The challenge** For this telecom operator, prepaid lines are a crucial product within its offering for all the markets in which it operates. **With stringent regulations setting standards by which cards must be issued and activated, this process must be carried out securely and legally.**  Establishing **comprehensive controls across a wide network of channels (online, in-store, telesales and alternative channels)** brings with it several challenges: making the **activation experience a smooth, convenient and simple process**, **avoiding abandonment rates** in the process and being able to **offer a new range of products**, addressing use cases such as tourism and providing automated and foolproof anti-fraud controls. **The solution** **Tecalis conceived, designed and implemented an end-to-end auto-activation platform** that responds to the challenges Movistar faced. With minimal impact on their IT teams, a system capable of performing **activations in less than 3 minutes anytime and anywhere was integrated with a user experience and interfaces designed to avoid abandonment rates**. Movistar no longer has to debate between setting up tedious, friction-filled processes that discourage their potential customers from complying with regulation or risk penalties for wanting to develop agile procedures, as well as offering a range of products in the same activation process. **Why Tecalis** The best technology has led players such as Movistar to be able to be a leader with a disruptive way of **understanding the customer journey in conjunction with business operations**. --- ## O2: Identity Verification for a secure experience | Tecalis **URL:** https://www.tecalis.com/case-studies/o2-sim **Descripción:** Download O2's case study and learn how our Identity Verification solution allowed them to create a secure user experience and online contracting processes. **The client** **[O2](https://www.o2.co.uk/) is Telefónica's** most disruptive brand based on building a **simple and reliable business proposal** with a focus on **honesty**. A different model that is far away from the more aggressive telecom industry projects. **The challenge** O2 must be able to **deliver its proposal designed** through its channels, based on the **experience obtained by the customer in their interaction with it**. The **channel sales flows generated frictions during the contracting process** derived from the **identification** process **and the collection of documentation and data**. At the same time, **technical and regulatory requirements** must be met and the **agent** working in the **channel** must be able to carry out the necessary steps in an agile and **transparent manner**, offering a different experience to the user. **The solution** The integration of a **cloud-based digital solution** without overly impacting O2's IT and systems teams has been the agile response to a company that requires **fast market deployments and launching projects with tight time-to-market.** The **contracting flow** is now more agile and secure than ever, with a close and transparent system that gives **autonomy and responsibility over the process to the end user and not to the company, the alternative channel or the commercial agent**.  The customer performs the operations on a **platform** guided by a comfortable and adapted interface with a user experience of the highest level. The average **time required for** these actions **does not exceed one and a half minutes**. **Why Tecalis** The solutions designed by Tecalis with **cross-channel** perspective and an holistic approach apply in **all phases of the customer journey**, with the aim of **building new business models in days** and **create new opportunities to grow and bring to market a better and broader commercial proposal** with **new types of products and services and a disruptive, closer and more accessible way to offer them**. --- ## Asturias Transport and Mobility | Case Study | Tecalis **URL:** https://www.tecalis.com/case-studies/asturias-mobility-transport-consortium-kyc-onboarding-conecta-first-spanish-regional-government-kyc **Descripción:** Transport and mobility in the Principality of Asturias is now accessible and agile thanks to Tecalis KYC technology. **The Client** The **Transport Consortium of the Principality of Asturias coordinates and manages public passenger mobility throughout the region**: medium and short-distance trains, urban and interurban buses, and other means of public transport. In this way, a more efficient, optimized, and accessible system has been articulated. It has offered **both citizens and** visitors an extensive transportation network to **travel throughout the region without friction between the different means of transport.** **The Challenge** Previously, the **application and recharge of the smart card** had to be done through **a form on the Consortium’s website or by visiting the Consortium’s facilities**, which **made access difficult for certain publics and lengthened the time** it took to obtain a single ticket. CTA **needs to adapt the process of user registration, onboarding, and issuing of** smart cards to achieve a reduction in time and reach those who wish to apply through **all means with an instant procedure**. **The Solution** **Tecalis** has designed for the Asturian Transport Consortium a **comprehensive system for user onboarding, registration, and access to services and the smart card application.** Now, users do not have to wait for a form to be reviewed by an agent and avoid the friction they used to encounter when uploading documentation. The system has been integrated without additional developments in all its channels, including its applications for **Android and iOS**, which act as the backbone for users to access all CTA operations and services, such as **recharging tickets, requesting cards, or modifying data**. With this, **the Principality of Asturias becomes the first region in Spain to use KYC technology**. Now, its transport network is more accessible to users by enabling faster discharges, its company has greater security, and fleet operation is more efficient. **Why Tecalis** **86% of users indicate that they have experienced obstacles when obtaining a transport ticket or carrying out any procedure related to public mobility services**. Integrating agile solutions to transform the way we move is now possible thanks to **cutting-edge technologies that combine power, versatility, and security while** not involving the development of costly projects that are delayed over time with results, in some cases, obsolete after the end of the implementation. --- ## Prosegur SOC Access Control and Biometrics | Tecalis **URL:** https://www.tecalis.com/case-studies/prosegur-soc-access-control-biometrics **Descripción:** Prosegur uses the Tecalis access management and identification platform to offer the best service from its SOCs or in hybrid format. **The Client** Prosegur has established itself as a **leader in global security services**. Third worldwide, it works to ensure the **security of people, companies and society as a whole with a** strong **focus on the forefront of innovation in the industry**. **The Challenge** From Prosegur's **SOC (Security Operations Center)**, the company offers **comprehensive security and surveillance services with remote team management** using high-tech systems to ensure reliable environments at **its customers' physical locations**. **Prosegur must offer an on-demand service for the complete management of access** to the facilities of leading businesses and companies **and the corresponding security services.** **The Solution** **Tecalis** has designed for Prosegur a **comprehensive access and security management system**, from the **work platforms used in the** company's **SOC** with a transversal control, through the **scheduling of visits** to the **access solution in the facilities** with facial recognition technology. This provides access **self-management** that allows **Prosegur to control security and its customers to be agile in terms of visits** and access to their facilities. With **proactive equipment in the SOCs**, **unified virtual surveillance and concierge models** are **established** thanks to a **control of networked devices** that **support the** existing **CCAA through the** Tecalis platform. **Why Tecalis** Tecalis combines **agile and scalable product development** with experience in **ambitious projects for the most demanding multinational companies**. The **application of technologies tested and used by millions of users** to very specific use cases is possible thanks to a personalized customer service to **collect in detail all the needs presented to an ambitious challenge**. --- ## Habitissimo: Professionals Onboarding | Tecalis **URL:** https://www.tecalis.com/case-studies/habitissimo-kyc-kyb-professionals-companies-home-services-multinational **Descripción:** The professional services industry is driven by the innovation that Habitissimo and Tecalis have implemented in a wide variety of markets and regions. **The Client** **Habitissimo** is an innovative **digital platform** that works as a **nexus** for **individuals and families to find professionals to improve, make changes or create their home, business or property.** With **more than 450,000 active professionals** in construction, infrastructure, renovation and similar areas, **Habitissimo has created an ecosystem** called Pro Center with a community of reference that has had a major impact on the industry. **The Challenge** **More than 14 million** households have made changes, ambitious projects and improved their quality of life. With a weekly flow in markets such as Spain of **more than 20,000 new jobs and projects every week**, Habitissimo manages the requirements of more than 2 million users who visit the platform every month. Figures that continue to grow. Habitissimo needs a **smooth and frictionless process to boost the registration** of new professionals and businesses that are the main asset of the services they offer to their users. On the other hand, they need to reduce their costs and registration and registration time, which were previously higher due to outdated processes and operations. **The Solution** Tecalis has successfully integrated the proprietary **Know Your Customer and Know Your Business** identity verification technologies into the Habitissimo platforms and all its channels. With this, the **identity, information and documentation** of professionals and companies working in the brand's digital ecosystem **is verified in several countries**. **Why Tecalis** Tecalis offers a **comprehensive SaaS solution** that, unlike other players in the market, is **able to shape an ad-hoc workflow to the use case and industry** of the businesses and companies that implement it. We work together with innovative players such as Habitissimo to **redefine the present of disruptive industries such as home services** for individuals and families or the **outsourcing of maintenance or construction of infrastructures** of large companies with a fully digital management. --- ## Telefónica's Customer Hub experience | Tecalis **URL:** https://www.tecalis.com/case-studies/customer-hub-telefonica-customer-story **Descripción:** We have worked with Telefónica on projects in which they implemented our Customer Hub for their sales channels management. Discover their testimonials. **The Client** Telefónica is the **largest Spanish multinational telecommunications company**, the leading telco in Europe, and the fifth largest globally. In its mission to offer connections that bring people together, Telefónica excels in marketing **leading products and services that adapt to the changing needs of its customers and markets**. **The Challenge** Telefónica has a **wide network of sales channels and modalities**, so they needed to **integrate the processes** of each of them under a **single platform** that would offer an **omnichannel experience** and, in addition, be **easy and intuitive** for the end user. The main challenge was to **bring together its different products and develop the appropriate integrations according to all cases** (web service, RPA, SSO, among others). **The solution** Tecalis [Customer Hub](https://www.tecalis.com/products/customer-hub-sales) has enabled Telefónica to be **more efficient in all its points of sale, structuring its entire sales network customized and configuring guided processes for the sales teams**. We also integrated our [electronic signature](https://www.tecalis.com/products/electronic-signature) and [identity verification](https://www.tecalis.com/products/identity-verification) solutions for customer registration and enrollment in all channels (online, physical, call center, or self-activation processes) to **avoid any risk of fraud**. In this way, **Telefónica has sold in less than 6 months in alternative establishments whose main activity is not telco product sales**. In addition, it has **reduced more than 80% of the non-commercial sales time** using self-activation by the client. **Why Tecalis** After **more than 10 years** of helping the principal players in the telecommunications sector, we have grown and evolved to **offer solutions that allow our customers to improve and optimize processes, understanding the customer journey together with the business operations**. **They have chosen us again** Tecalis has worked on **different projects with Telefónica**, from [identity verification for a secure experience for their O2 customers](https://www.tecalis.com/case-studies/o2-sim) to [self-activation of users with KYC and digital contracting of Movistar products](https://www.tecalis.com/case-studies/movistar-telefonica). However, the last challenge they proposed was a platform creation for internal use in which Telefónica employees could recommend the brand's services and get an incentive.  The project had **great difficulties**, such as integration with all in-house systems, as well as with the call centers of the joint ventures. However, we successfully overcame the challenge by using the **Customer Hub**. At the same time, **we optimized costs, met all the requirements, and ensured the highest security standards**. --- ## Bip&Drive Driver Verification | Case Study | Tecalis **URL:** https://www.tecalis.com/case-studies/bip-drive-drivers-verification-kyc-document-validation **Descripción:** The leading electronic services platform for drivers in Spain, France, and Portugal relies on Tecalis KYC identity verification. **The Client** Bip&Drive is the **leading platform in Spain, France and Portugal for payment solutions and mobility services for drivers**, including **electronic tolls, booking and payment of Vehicle Technical Inspections, refueling, on-road catering and parking, among others.** In markets such as Spain, Bip&Drive has established itself as **the largest marketplace for drivers**, with **more than 1.3 million frequent users** and **30,000 associated businesses**. **The Challenge** As an **Electronic Money Entity**, the company **must guarantee with extreme compliance the security in all services**, with **Digital Identity of the Vehicle** (detailing attributes) and on the **Digital Identity of the Driver**. This implies making **reliable and contrasted verifications with administrations and governmental data**.  To **make the Smart Contracts** that self-execute at the toll plaza **binding**, **adjustments** had to be made to the **registration, enrollment and contracting process (for pay-per-use, frequent use fee and enterprise)**. **Advanced** and functional **identity verification** is needed for all its markets to comply with current regulatory standards. **The Solution** **Previously, the digital onboarding process (registration and contracting) was done via telephone or web**, being quite differentiated and with a limited user experience. Users ended up being redirected to a web environment (even those who were being attended via call-center or those who accessed through the app, who received a subsequent email that was not always continuous). **Tecalis identity verification solution** configures an **end-to-end flow in the same channel**. The **collection and validation of identity documentation is dynamic** and works on **any type of document** (**DNI, NIE, ID Card, Green Card, Passport, etc.**) without the need to previously specify which one it is and with the most exhaustive controls in each of the **3 countries**. **Why Tecalis** **Especially when offering a wide range of products and services**, it is essential to have verification methods that **validate and support the operations of platforms that act as a marketplace ecosystem**. **RegTech technologies fully impact** the possibility of **innovation and scalability in business models**, **compliance with new regulations** and the **reduction of operational costs and processing times**. **Tecalis KYC identity verification offers a combination of advanced technology and manual validation to ensure the authenticity of the documents and the identity of the users**, allowing you to do no compromise by intelligently integrating a flow according to the user profile and to do so in any environment (support and channel). --- ## Vodafone WAS-CH Alternative and Wholesale Channels | Tecalis **URL:** https://www.tecalis.com/case-studies/vodafone-was-wholesalers-customer-hub-alternative-channels **Descripción:** Vodafone WAS is the comprehensive telco platform for sales in proprietary, alternative and wholesale channels powered by Tecalis Customer Hub. **The client** **Vodafone is the largest pan-European and African telecommunications company**, providing services to **more than 300 million customers in 17 countries**, and has mobile network agreements in 43 more. As a leader in the Internet of Things (IoT), it connects more than 160 million devices and platforms.  With around 15 million customers in Spain, Vodafone is **completing the 5G deployment to reach 82% of the population and 2,700 municipalities recently**. The company has a clear commitment to **customer service and the provision of quality services**. **The challenge** Aware of the **complexity of the market** and the recent and constant **changes** (due to the emergence of new players and very different types of offerings), Vodafone decided to take action to **improve its operational management** of the market **and all commercial and customer-related operations.** With a **great opportunity in the alternative channels**, especially in **large and medium-sized wholesalers**, they decided to **implement new tools to work through this area and boost the way they were already operating in this segment** to **gain market share in online, telesales and face-to-face channels**. **The solution** Tecalis designed and implemented a **comprehensive channel management and commercial operations system based on Tecalis Customer Hub** (CH) for Vodafone Spain, which was named **Vodafone WAS** and is used by the sales network and business teams as a single global tool.  This tool currently **drives results in terms of channel opening and automated sales**, highlighting areas such as **integrated channel management, sales and commissioning, product self-activation, logistics management, security and compliance**. **Why Tecalis** After **more than 15 years** accompanying the main players in the telco sector, we are the **technological partner of reference for the telecommunications sector in our country**, and we are perceived as a reliable partner at international level. **Betting on the best BSS and marketing systems, together with all the associated tools to sell more and new products and services**, is determinant for success, now possible with **the best technology combining SaaS innovation and custom development** with the **implementation of advanced RegTech and AI/RPA functionalities**. --- ## The Adecco Group | Case Study | Tecalis **URL:** https://www.tecalis.com/case-studies/the-adecco-group-ai-proctoring-id-authentication-e-learning **Descripción:** Comprehensive assessment and proctoring platform designed by Tecalis and Adecco for the most relevant use cases in education, training and teaching. **The Client** **The Adecco Group** is the **leading** global **Human Resources consultancy** with outsourcing solutions to **redesign and improve core business processes with a specialized strategy**.  Its **talent selection and evaluation** areas, as well as its comprehensive **training proposal**, cover all areas. They accompany their clients in their **transformation and change management processes by designing and implementing solutions throughout the value chain and operations** with a focus on **productivity, well-being and growth.** **The challenge** **45% of Ibex 35 companies have chosen Adecco** Training to lead this area. The **current challenge** is to **design evaluation processes with strong support and guarantees both onsite and remotely**. The **simultaneous examination of thousands of test takers in different geographical locations, either online or onsite,** is one of the use cases to be solved, among others. For example, the **public competitive examinations for civil servants** present a **really high cost** due to the need to **hire a large number of assessment centers and agents to supervise** the development and management of the tests. The planned costs have been increased, calls have been delayed due to logistical problems, and there have been major inefficiencies and low levels of control and agility. **The solution** **Tecalis** has designed for The Adecco Group a **proprietary solution** that responds to the challenges in the area of training, education and training. A **comprehensive platform** has been created **for the evaluation of students, employees and candidates based on** [**proctoring technology**](https://www.tecalis.com/blog/proctoring-online-exams-tests-evaluations-supervision) **and adaptable to any use case within the different levels, models and areas of education and training, both face-to-face and virtual**. The Adecco Group and its brands, as well as its clients, can hire or **use the tool integrated or not integrated in their own systems**, to develop from the **call, preparation and configuration to the execution and evaluation of tests**, exams, tests, etc. **Why Tecalis** Tecalis develops digital products with a holistic approach based on the user journey in critical use cases and sectors. As an [**EdTech**](https://www.tecalis.com/industries/education-training-elearning) **partner**, educational institutions, training companies or eLearning platforms can rely on its solutions to ensure top-level learning and full technical and regulatory support. --- ## AS Real Estate | Lease Signing | Case Study | Tecalis **URL:** https://www.tecalis.com/case-studies/as-real-estate-lease-digital-signature-re-agreements-contracts **Descripción:** AS Real Estate signs its leases, energy, insurance, legal and dozens of real estate agreements with Tecalis Sign and its associated solutions. **+100K** **lease contracts formalized** **<15 days** **to rent a property (vs. 81 market average)** **+100K** **secure tenants** **The Client** AS Real Estate is one of the main players in the Spanish real estate market, dedicated to the **comprehensive management of the rental of housing, premises and offices**. With 52 offices open in Spain alone, it **offers all kinds of services beyond the basics of any real estate player**, from **exhaustive solvency** and viability **analyses** of candidates, to specific processes and methods to guarantee the timely collection of rents.  More than 350 professionals spread over 16,000m2 of self-managed offices available for real estate operations in the market. **The Challenge** AS Real Estate needed to **address the complexity of the contracting processes and the volume of transactions in its wide range of services**, with the management of lease contracts and related operations as a priority.  They needed to **shorten processing and management times both to optimize their internal productivity and to achieve better figures for their clients and users.** The search for **scalability** was one of the main challenges facing the company. **The Solution** Tecalis has provided AS Real Estate with a **comprehensive electronic signature and contracting solution** that has solved the challenges it faced in terms of experience and process optimization. Through the use of this platform, AS Real Estate has managed to streamline and optimize dozens of use cases, **from the signing of lease agreements and contracts to the management of legal documentation** of all kinds. * **+100,000 lease contracts formalized** * **<15 days to rent a property (vs. 81 days market average)** * **+100,000 secure tenants** **Why Tecalis** Offering not only **answers to traditional operational challenges, but also a vision for the future of the industry**, is one of the main value points that Tecalis brings to real estate clients. Despite having a **wide range of advanced functionalities** that cover any possible need that may arise for professionals in the industry, Tecalis does not renounce an absolute commitment to **ease and agile experience**. --- ## Orange Self-Service Kiosks | Case Study | Tecalis **URL:** https://www.tecalis.com/case-studies/orange-kiosks-terminals-self-service-interactive-pos **Descripción:** Orange has installed Tecalis Kiosks, interactive unattended sales terminals, in its physical stores, with tremendous results. **The Client** Orange, global leader with a **wide range of brands, MVNOs and products**, holds a **network of more than 1,200 stores in Spain and millions of customers**. The company is distinguished by its focus on digital transformation, customer **experience** and the expansion of **integrated services** (fiber, mobile, TV and cloud). In a **highly competitive market**, Orange seeks to **streamline critical processes**, reduce **waiting times** and **operating costs** in its stores and offer a seamless omnichannel experience. **The Challenge** Orange needed to **transform its stores into efficient and profitable service centers**. Customers demanded **immediacy to activate SIMs**, **order** products and **manage transactions** without relying on staff.  Time optimization, **regulatory compliance**, automation of key processes and **integration with OSS/BSS systems** were key challenges. In addition, they were looking to reduce costs, **unify physical and digital channels**, and ensure **scalability** with remote management. **The Solution** Tecalis has installed **Tecalis Kiosks** for Orange to transform its **stores into efficient digital centers**. This **self-service** system integrates **robust and modular hardware** with **advanced software**, allowing **instant and secure SIM and eSIM activation**, **all kinds of services** and unattended incident management, thanks to features such as **biometric** identification, document **scanning** and **integrated payment systems**. The solution connects remotely via **Kiosk Cloud**, ensuring **real-time updates and synchronization** with Orange's Customer Hub (DIGO OSS/BSS). This allows for **centralized and automated operations**, immediate recording of transactions and adaptation to new functionalities through its modular architecture and open API. The agile implementation approach included needs analysis, **pilot testing and phased deployment in stores**. **Why Tecalis** The implementation of Tecalis Kiosks in Orange stores has **significantly improved efficiency, productivity and sales** by automating processes and reducing operating times. For example, **SIM activation** time **has been reduced from 13 minutes to 2 minutes**, freeing up to 1100 hours per month in a single store.  In addition, **waiting times** have been reduced by **78% and queues at peak times by 62%**, allowing staff to focus on higher value sales. Real-time integration with Customer Hub ensures full traceability, improves incident control and **mitigates fraud risks**, strengthening digital transformation **and reducing costs by making face-to-face channels more profitable**. --- ## Ibercaja Pensumo KYC & eSign Onboarding | Case Study | Tecalis **URL:** https://www.tecalis.com/case-studies/ibercaja-pensumo-onboarding-kyc-sign-pension-cashback-insurance **Descripción:** Ibercaja-Pensumo has implemented an instant registration thanks to KYC and Tecalis digital signature for its Consumer Pension. **The Customer** **Pensumo** is a fintech backed by **Ibercaja** that **converts daily purchases into micro-contributions to an individual pension plan** by cashback, with no cost or minimum contribution commitment for the user.  A **unique model in Europe** with maximum innovation that **allows linking cards from any bank** and automatically accumulating in the Pensumo Plan a percentage of each purchase in a **vast network of partner stores**. **The Challenge** **Ensuring a streamlined, simple and 100% digital onboarding process** was critical to **maximize adoption without sacrificing security** or regulatory compliance. The main challenge was to design a **comprehensive,** unified **registration, onboarding and on-boarding system** that integrates: **KYC**, with data collection, data and documentation verification (ID card, passport, certificates, etc.), advanced **AML and AML fraud prevention controls** (PEP lists, sanctions, due diligence, BBDD, IP analysis, device, behavior, etc.), **eIDAS electronic signature** and forms for **dynamic scoring**. **The Solution** Tecalis designed a **customized solution** for Pensumo-Ibercaja based on its well-known SaaS platforms for **KYC/AML onboarding, eIDAS e-signature and identity verification**. All the tools and systems required for **high financial risk operations** were combined **into a single, guided, efficient and fully customizable flow** adapted to the Pensumo platform at a technical and regulatory level. Highlighting: 1. Smart **KYC form** with data validation **2\.** Advanced **document and biometric verification** **3\.** State-of-the-art **anti-fraud controls** **4\.** **Electronic signature and contracting** with QTSP-eIDAS legal support. **5\.** Full automation, **RPA-API integration** and traceability. **Why Tecalis** Tecalis' modular architecture allows **multiple services** \- from **OCR and second-generation AI tools and** video-streaming **biometrics** to **more than 40 simultaneous anti-fraud controls -** to be **natively integrated into** a single, scalable platform. The results have been immediate and measurable: * **96% conversion rate** on complete processes thanks to the guided and seamless experience. * New user registration in **less than 120 seconds**. * Reduction of onboarding fraud by more than **98.7%**. The solution has not only improved **acquisition, but has also consolidated Pensumo and Ibercaja's image as innovative**, secure **fintech companies,** ready for exponential growth. --- ## Onivia Nexo BSS/OSS | Case Study | Tecalis **URL:** https://www.tecalis.com/case-studies/onivia-nexo-bss-oss-customer-hub-sales **Descripción:** Tecalis built Nexo for Onivia. The comprehensive OSS/BSS platform for channel management, commercial tools and product activation. **The Client** Onivia is a neutral and independent operator that **markets wholesale bitstream access services and a wide variety of** telecommunications **services** of the highest quality. It facilitates the growth of operators and companies in other sectors with **different business models and flexible and scalable technological solutions**. Robust platform that **integrates critical processes and enables comprehensive** operations **management**, from **immediate service activation** to **after-sales** service. **The Challenge** Without an adequate technological infrastructure, **managing customers, products, billing and operations becomes a challenge**. In a complex environment, where there is a **diversity of sales channels** (physical stores, online platforms, distributors and partner networks), **information dispersion**, the need to ensure the **security** of each transaction and the correct **settlement of commissions**, the instant activation of products and the effective monitoring of the customer lifecycle can be difficult and costly. **The Solution** Tecalis **fully developed the Nexo platform** **by Onivia**, an ad-hoc implementation based on its proprietary SaaS, Tecalis Customer Hub. This end-to-end solution was designed to **unify and optimize all commercial and operational processes** under a single **OSS/BSS** system, creating a **centralized ecosystem** that connects Onivia with its network of operators and non-telco companies. The centralization of processes and the automation of tasks have **allowed Onivia to radically transform its operations**. **The reduction of service activation times**, the **reduction of** operational **incidents** and the **improvement in the settlement of commissions** translate into greater efficiency and a superior user experience. **Why Tecalis** Tecalis has succeeded in transforming its customers' operations, achieving **measurable improvements**: 38% reduction in processing times or 82% reduction in operating costs.  The **integration of RegTech solutions for e-signature, KYC and other advanced AI-based sales tools**, task automation and ongoing support make Tecalis the ideal partner for companies looking to lead the digital transformation and stay ahead in a constantly evolving market. Only Tecalis makes your most important projects 100% yours, in all areas, **working also in graphic identity, naming and with Nexo's marketing and communication actions.** --- #### NFC Document Verification | Open APP **URL:** https://www.tecalis.com/products/identity-verification/nfc-app-kyc **Descripción:** Tecalis ID Document Verification: secure, verified KYC through NFC. Meet AML and KYC standards with proper user identity verification. Verify the authenticity of customer, supplier or employee documents anytime, anywhere, with the support of a RegTech partner to endorse the process. **Agile KYC identity verification anywhere** **Cutting-edge technology** Tecalis NFC Document Verification uses the power of our best-selling KYC and Anti-Fraud Controls solutions to work rigorously and efficiently. **Data extraction** NFC, OCR, and CAN Verification. We use all available means, measures, and all possible factors of identity documents. **Total supports** Meet the most demanding standards of identity verification. Get a confirmation from a qualified authority. **Integrity controls** It checks not only the validity but also the integrity and conditions of the document, under any circumstance. **Total privacy** The application does not store data, it only performs a reading and verification operation, ensuring compliance with protection standards. **Mitigate risk, prevent fraud, and boost operations** No matter the level of risk of the operation. Be able to carry out operations at any time and place. Forget post confirmations, bureaucracy, and go paperless. Tecalis NFC Document Verification is especially useful in cases of face-to-face sales and contracting, generating legal validity in operations of all kinds.  Friction generated by complex and lengthy verification processes creates high churn rates and contracting closure losses. Own a solution designed for conversion and growth. **Cross-channel** Use the application in all your commercial channels and physical locations in a coordinated way. **User-centered** A design made to verification a comfortable, fast, and reliable process. **Multi-Language** Tecalis NFC Document Verification is currently available in English, Spanish, French, and German. --- #### Online Check-In Hospitality | Know Your Guest **URL:** https://www.tecalis.com/use-cases/check-in-online-hotels-hospitality **Descripción:** Provide your guests with a unique experience before they even check-in. Reduce inconvenient queues with a fast and secure online process. Online check-in offers significant benefits for guests and hotels as it can be completed from anywhere in just a couple of minutes, improving security and the customer experience. **Deliver a fast, convenient and tailored registration experience** **Reservation process** The user makes a reservation through the hotel's website or an online booking platform. **Online check-in** The customer receives an email where to choose online check-in through Tecalis KYC system. **Check-in signature** Once KYC is completed, the customer can sign the check-in process with Tecalis electronic signature solution. **Arrival** The guest checks in through a webcam located at the front desk, which checks and verifies identity. **Simplicity for your guests** Our identity verification technology easily integrates and adapts to the systems of individual hotels and hotel chains, streamlining your customer journey in a holistic and secure way: **Reducing risk** Identifying any suspicious behavior prior to entry into the accommodation. **Generating trust** Ensuring security for guests and hotel staff. **Improving customer experience** With a more fluid procedure that allows, in addition, to adapt the stay to the needs of each customer. --- #### AutoSIM | Avoid SIM Swapping **URL:** https://www.tecalis.com/use-cases/auto-sim-swapping-activation-duplicate **Descripción:** Issuing, duplication, and activation of prepaid or flat-rate SIM cards in minutes and SIM Swapping risk-free. Issuing, duplicating and activating SIM cards for both prepaid and new flat-rate services are key processes for any telecom. It is the foundation on which a new customer's first experience is built. **Deliver a fast, convenient and tailored process** **Avoid SIM Swapping** It's over. SIM Swapping is no longer a possibility thanks to a foolproof solution. **Increase conversion** Ensure a smooth experience and retain satisfied customers to continue offering them your best proposition. **Absolute peace of mind** Tecalis takes responsibility for the SIM activation process, avoiding possible penalties to the company. **Cross-channel experience** Capillarity and scalability. Issuance, duplication and activation of SIM cards in online, offline, direct or indirect, telesales or alternative channels**.** **Simplicity for your users and organization** Time-to-market reductions in new offer deployments has more than doubled.  SIM swapping and sanctions are issues that remain in the past. The best solutions not only deter but prevent fraud before it can be committed. **Telecom Expertise** Let a digital industry expert take care of key processes to lead. **Time and cost** Save and turn your model into a more scalable one with a SaaS solution that does not impact your IT teams. **Tailored interface** Users won't notice anything. Perform the process within your customer journey, frictionless. --- #### Cripto & Trading Onboarding | KYC & AML **URL:** https://www.tecalis.com/use-cases/onboarding-crypto-trading-forex **Descripción:** KYC and AML onboarding for the cryptocurrency industry and forex trading platforms. Implement a solution in days with a SaaS pay-per-use model. More than 60% of users say they do not get the expected security feel when interacting with trading platforms and cryptocurrencies. However, more than 80% of them would like to invest online if a superior legal backing was provided. **Deliver a fast, convenient and tailored registration** **Avoid risk** Comprehensive KYC/AML controls and data protection policies compliance, within any country. **Create Trust** It shows the sense of support and security that users are currently demanding. **Top-notch solutions** Rely on the powerful tools created by a trusted FinTech and RegTech partner to drive your growth. **Biometric authentication** After enrollment, a multi-factor authentication system can be set up for success. **Agility, simplicity and safety** The cryptocurrency industry and trading platforms can take advantage of the situation rather than find friction in it. Find out how the leaders are growing and expanding into other markets. **Trust Services Provider** Let a RegTech security expert take responsibility for sensitive processes. **Agile implementation** Integrate KYC and AML processes in days without impacting your systems and platforms, in a seamless way. **Tailored interface** Users won't notice anything. Perform the process within your customer journey, frictionless. --- #### Onboarding for Banking and Financial Services | KYC & AML **URL:** https://www.tecalis.com/use-cases/onboarding-banking-financial-services-fintech-kyc-aml **Descripción:** KYC and AML onboarding for the Banking and Financial Services industries. Implement a solution with a SaaS pay-per-use model. Opening a new bank account or signing up for a credit card online should be easy and quick processes. Unfortunately, many banks and financial services companies are not yet ready to meet the new expectations of their customers, who are often frustrated with lengthy and unfriendly forms, a poorly customized experience, and mandatory visits to the branch. **Deliver a fast, convenient and tailored registration** **Shape your customers’ journey** Deliver a holistic customer experience through advanced and automated solutions. **Regulatory Compliance** Prevent human error and embed KYC/AML compliance seamlessly into your workflows. **Omnichannel experience** Give your customers the flexibility to switch from one channel to another at any time. **Biometric authentication** After enrollment, a multi-factor authentication system can be set up for success. **Agility, simplicity and safety** The industry can take advantage of the situation rather than find friction in it. Find out how the leaders are growing and expanding into other markets. **Trust Services Provider** Let a RegTech security expert take responsibility for sensitive processes. **Agile implementation** Integrate KYC and AML processes in days without impacting your systems and platforms, in a seamless way. **Tailored interface** Users won't notice anything. Perform the process within your customer journey, frictionless. --- #### RPA - Automation | UiPath **URL:** https://www.tecalis.com/products/rpa-automation/uipath **Descripción:** Tecalis RPA and UiPath: Scalable, agile, functional and powerful robotic process automation platform for unskilled employees and expert IT teams. For both experienced IT teams and non-digitized users, Tecalis RPA and UiPath deliver a versatile and scalable platform to transform your model in days without compromising your organization. **Make RPA the way you and your teams want it to be** **Automation Journey** Integrate it with any existing technology and tool, in working environments designed for humans. **Customer Journey** A solution designed for all processes and operations within your activity and interaction with your customers. **UiPath** The professionalism, solidity and qualification of a world leader backs the most advanced RPA technology. **Future-proof** More than 90% of large companies will have adopted some form of RPA solutions by 2023. **End-to-end platform** Discover how Tecalis RPA, together with Identity Verification and eSignature, can take your business to the ultimate leadership. **Automate and set your business on autopilot, 24/7/365. Error-free** Time and resources saving is the key for the sustainability and growth for any business. Use simple flowcharts with every conceivable option to make everything work the way it should have always done. Design new flows and processes previously unthinkable and lead the market with a competitive offer capable of being constantly updated to face any change. **SaaS and On Premise** A powerful and easy pay-per-use solution. Tecalis RPA scales with you. **User-centered** Do not let your employees become bots. Boost their productivity and creativity so they can focus on what's important. **Compatible** Run Tecalis whether you do not have digital tools or if you already use ERP, CRM, CMS, BPM or any other proprietary application. --- #### Cover the complete contracting process | eSignature **URL:** https://www.tecalis.com/guides/electronic-signature-esignature-contract-negotiation-cycle-infographic **Descripción:** Tecalis Electronic Signature is a contract management platform to work seamlessly and efficiently with collaborators inside and outside your organization. Product and service contracting or critical deal closure should be a dynamic process where both parties enjoy a comfortable and secure experience. Perform all processes on the same platform, in an integrated way, and with every imaginable option. **Before, during and after. Make the signing process a unique experience for both your teams and users** **What** Simple, advanced, biometric, OTP, certificated or KYC signature. **Where** Reach your signatories through any online or offline channel, in-house or third party. **When** Schedule and trigger automated actions based on the response of your signers. **How** Specific parameters for each signatory, permissions and delegation of signature or comments and registered editions. **Discover a new way of doing business and closing deals** Get a complete view of what a contracting cycle, acceptance of conditions, certified communication or negotiation of agreements should be. Make the leap to a model that will transform your organization and how it engages with users.  Learn here how to design a journey focused on closing transactions at record-breaking speed, and with the best guarantee. **Trust Services Provider** Let a RegTech security expert take responsibility for sensitive processes. **Agile implementation** Integrate an esignature, identity verification and certified communication solution in an incredibly simple way. **Custody and documentation** Collect and store ID documentation or create audit reports easily. --- #### Proctoring: Exams and assessment | eLearning **URL:** https://www.tecalis.com/use-cases/proctoring-education-training-exam-elearning-assessment **Descripción:** Online education and training with guarantees and the best experience. Test and evaluate with the best and most affordable Proctoring platform. Educational institutions at all levels of education as well as training businesses, eLearning platforms or certification agencies are taking advantage of the best EdTech solutions to create a digital education model based on a key matter: setting students and their academic needs at the center. **Assess and exam by providing an incredible experience with non-intrusive methods and complying with the highest technical and legal standards** **All-in-One** Backoffice, admin, student front end, control and monitoring, certification and immutability. **Easy integration** Tecalis is able to be integrated in days into your educational platform without impacting your IT teams. **AI Supervision** The system supervises thanks to an advanced AI, sending alerts to a teacher if necessary. **Pay Per Use** SaaS solution to conduct exams with agile and easy processes, security and guarantees. **Save time and costs. On-site and exams with digital devices or completely online** All-in-one solution fully integrated within your learning platform for any level of education and in compliance with the highest law standards and GDPR. Exams without friction with a unique experience. **EdTech** Artificial intelligence, biometrics and official sealing for assessment tests and exams. **Avoid risk** No more cheating, impersonation or fraud in the evaluation process. **Build trust** Officialize your certificates and evaluations with a Trust Services Provider and RegTech expert. --- #### KYB - Know Your Business | Overview **URL:** https://www.tecalis.com/guides/kyb-know-your-business-infographics-overview **Descripción:** The best KYB (Know Your Business) solutions are built to a very specific set of technical standards. Find out how these systems work. Whether for business models in which B2B operations are essential for their activity or for those who need a quick verification for a Due Diligence process, up-to-date KYB technology is determinant in the current context. **Discover what the best KYB tools can do for your business** **Documents** What kind of documentation can the best systems analyze? The most advanced OCR adapts to KYB requirements. **Costs and scalability** Operate 24/7 and reduce onboarding costs and paperwork for new partners, associates or suppliers. **Electronic Signature** Close transactions after the verification within the same process. KYB must be accompanied by eSignature to be really useful. **User Journey** B2B businesses and B2C customers in the same flow. Use an integrated platform adapted to both circumstances at the same time. **Reliable technology** Error-proof technology is the key for the success of any automated operation. **Forget complexity. Go for the future** Entrust a decisive process for your business to a Trust Services Provider and RegTech partner capable of offering you a ready-to-use pay-per-use tool. How does SaaS KYB work? **UBO verification** Connect your system with the most relevant lists in the industry or analyze negative appearances in digital media. **Agile experience** Reduce time from days to minutes. Set up a fast, conversion-focused system. More business operations in less time. **Configurable KYB Flow** Request information and data needed for a comprehensive KYB. Adapt the platform to the use case. --- #### SmartCIties: Singapore & Tecalis | GovTech **URL:** https://www.tecalis.com/case-studies/smartcities-singapore-govtech-ai-public-transportation **Descripción:** Artificial Intelligence technology has reached smart-cities and impacted their public services through GovTech. For some administrations, the implementation of artificial intelligence solutions has been a reality for years. The most innovative GovTech tools have enabled local, regional and national administrations and institutions to offer new digital public services in addition to optimizing resources to the maximum to guarantee current ones. **Technology at the service of key local administrations and public organizations** **Tecalis AI in Singapore** Disruptive ways to predict and manage the public transport network of one of Asia's largest cities. **Identity Services** Identification like never before. More private, more secure and more agile. **Secure access** No more bureaucratic obstacles to access the administration's digital services. Maximum security and experience at the same time. **Metaverse** A reality that cities are already exploiting. Digital twins predict trends and warn citizens of city-related complications. **Digital cities and optimized government resources** The reduction of time and costs is decisive when it comes to budgeting. Having the best tools is a sure way to optimize public spending. Now, much more can be done with much less. **Transportation backbone** The functioning of a city's mobility network and the data it generates tells us a lot about what citizens really need. **Scalable platforms** No need to initiate costly transformation projects. GovTech solutions are easy to integrate. **Accessibility** Far from leaving out the less digitized, the new solutions are easier and simpler than ever. --- #### Onboarding and KYC in Banking and FinTech | Fact Sheet **URL:** https://www.tecalis.com/guides/onboarding-kyc-id-verification-identity-verification-banking-bfsi-fintech-finance-product-fact-sheet **Descripción:** Identity verification is crucial in any onboarding process in banking and financial services. Discover its processes, applications and models. BFSI industries are well aware of the need for robust and capable onboarding and KYC processes. The requirements of regulators and the demands of today's users need to be met with ease. Discover the details of existing models and systems. **Must-have features and functionalities to grant conversion** **Complete process** Onboard customers in seconds and perform product/service activations instantly. No waiting to drive more sign-ups. **Adaptive biometrics** Facial, voice, fingerprint or NFC recognition. Real-time execution of the most comprehensive controls to ensure compliance. **OCR technologies** Don't overlook the key to any successful onboarding. Demand the minimum from the user to get the maximum from him. **Beyond KYC** A range of trust, security, and automation services in all phases of the customer journey and business area. **One platform. Any Identity Journey** Ease of integration and scalability is the main priority for many businesses when integrating these types of solutions. The best SaaS have arrived to digitally transform banking and FS without large investments or efforts from their IT teams. **Pay-per-use** No development cost. The best technology on demand without mortgaging projects of any kind. **Up-to-date** Constantly updated legal support and technical news every month. **In-all-circumstances** Expand to any market and region with ease and without additional investment. --- #### 6 KYC process Frequently Asked Questions | FAQs **URL:** https://www.tecalis.com/guides/faq-kyc-frequently-asked-questions-video **Descripción:** The KYC (Know Your Customer) process involves a number of details that must be known. Discover the most frequently asked questions about this process. The KYC process is a great unknown for many and a great ally for others. In any case, both types of professionals always have some questions to resolve about this [identity verification](https://www.tecalis.com/products/identity-verification) method. **What do those interested in KYC ask themselves the most?** **Onboarding** On the integration of this digital ID process within the registration of new users. **CDD** Client Due Diligence. A related concept that is sometimes confused with Know Your Customer. **Pricing** How can I access a KYC solution? Types of charging and bidding. **Regulation** Compatibility of KYC solutions with regional laws is not always assured. **Comprehensive platform** Register and contract products at the same time, with instant access. **Go Error-free, 24/7 and second-lasting in compliance with regulations** Discover how the new second-generation KYC systems - unlike the first ones - have changed the rules of the game. Scalability and immediacy are ensured thanks to top-quality technological performance. **SaaS and PaaS** A pay-per-use tool that is capable, responsive and affordable at the same time. Without mortgaging your organization. **Verification** Exhaustive controls to comply with the most demanding regulations. In seconds, without waiting. **Intelligent** OCR techniques that make use of the implementation of trained AI with innovative ML practices. --- #### 5 Key components in a KYC solution | Infographic **URL:** https://www.tecalis.com/guides/infographics-kyc-steps-phases-5-key-factors-features-process-operations **Descripción:** The steps and phases of the KYC process include a number of internal operations that are critical to the performance of the process. Not all KYC and customer onboarding solutions are the same unless they can look similar at first glance. Dozens of factors must be taken into account when evaluating the performance and effectiveness of an identity verification, registration and onboarding system. **KYC integrations and implementation models** **Intelligent workflows** Giving an answer to the demands and characteristics of a different user profile than just a few years ago. **Documentation** Collection, storage and verification of all types of documents in different environments and formats. **Controls and validations** Dozens of AML controls and verification operations take place in such a standardized process. **After KYC** Continuous verification and enablement of new use cases that generate higher volume and quality engagements. **Regulation and standardization** New second-generation KYC systems include innovative technologies that solve those challenges that still remain with previous software. Now, the considerations for choosing a Know Your Customer tool by businesses and companies are different. **What I need** All important aspects must be assessed so that no functionality or features are missing after integration. **What they ask of me** Solutions should not only focus on what my business needs, but also my customers. **Next up** Go for KYC solutions that update themselves without your company noticing and without your teams having to allocate resources. --- #### Unified onboarding workflow | KYC & eSignature guide **URL:** https://www.tecalis.com/guides/onboarding-contracting-kyc-esignature-electronic-signature-process-workflow **Descripción:** eSignature and Know Your Customer can be integrated in the same workflow. Onboarding and on-boarding under the same process for instant sign-ups. The unification of electronic signature processes for contracting and identity verification for KYC performance is becoming increasingly common. Among the most outstanding benefits of this type of integration we can find instant activation of customer accounts. **Any industry, dozens of use cases** **Know Your Customer** The second-generation KYC process is faster, more robust, and easily integrated into eSignature audit reports. **Electronic Signature** An agile contracting process supported by the most demanding regulations, without giving up anything. **Authentication** Credentials generated based on the two previous processes. Enabling risk operations in client portals with PSD2. **Unification** The same trusted service provider can design comprehensive onboarding to eliminate friction and maximize conversion. **The incredible benefits of standardization** Learn how to establish a secure and conversion-focused acquisition, registration and contracting process with holistic platforms that adapt to all phases of the customer journey. **Features** Discover all the features that a unified KYC/AML validation and digital sourcing process should have. **Results** Testimonials from customers already using a comprehensive electronic signature and identity verification platform. **Know-how** Betting on the best practices in customer experience and process optimization of those who lead their sector. --- #### Regulatory compliance and legality | Certifications Brochure **URL:** https://www.tecalis.com/legal/compliance-eidas-qtsp-regulations-certifications-stamp **Descripción:** Tecalis is a RegTech partner audited and certified by international and national organizations. It complies with eIDAS, AML and any legal regulations. Tecalis applies the best practices in terms of regulatory compliance in **supervision and endorsement by the most demanding national and international institutions** in the exercise of its functions and the validity of its operations. Discover why we are chosen by those who bet on a **Qualified Trust e-Services Provider QTSP**. **Legal compliance automation for any process or operation** **eIDAS** We are timestamping QTSP by the European Union and the Government of Spain. Our products have been globally designed taking into account the eIDAS Regulation. **AML** We enable high-risk remote operations in businesses that must comply with AML6, FATF recommendations, or SEPBLAC requirements **GDPR** We collect, process, analyze and store highly sensitive information in accordance with the most stringent data protection laws in any market. **Certifications** Recognized and audited by global and independent bodies, the quality of our solutions fully impacts the compliance capacity of our clients and their activity. **Highly regulated industries and legislative changes** Achieving perfect performance in complying with the latest and most demanding regulations is within the reach of any business thanks to the most affordable and easy-to-use SaaS tools. Within hours, your operations will have adapted to the new regulatory framework by reducing costs and optimizing key processes. **Telecommunications** We have avoided millions in penalties from regulators for leading telco players while improving their KPIs. **BFSI** Financial and banking institutions, FinTechs and insurers use Tecalis for automated compliance with the most stringent KYC/AML requirements. **Intersectorial** We support the legal and compliance departments of companies from all sectors in their risk management and fraud prevention strategies. --- #### Telecom: Customer Acquisition and Management | Infographics **URL:** https://www.tecalis.com/guides/telecom-telecommunications-acquisition-infographics-customers-clients-management-commercial-software-hub **Descripción:** Customer acquisition in the telecommunications sector is complex. With proper and up-to-date commercial management, great results can be achieved. One of the most important areas in the telecommunications industry is channel management. Making small changes without disrupting business operations or IT teams has been extremely successful recently. **An in-depth look to a highly competitive industry** **Channel strategy** Discover the techniques and tools used by those who are currently growing in their commercial network. **How to optimize resources** AI and machine learning driven software based on trust services (eSignature and KYC) has become a standard. **Trends** The next thing to hit the telecom sector is halfway between innovation by players and customer demands. **Numbers** Get the expected figures for a telco adapted to today's trends and how to achieve them without sacrificing large amounts of budget per area or zone. **A proprietary and alternative capillary network** The alternative channel is one of the mainstays of many businesses in the industry. Providing these partners with the necessary tools to successfully bring our proposition to market is now within everyone's reach thanks to scalable SaaS. **Scalability** New tools and RegTech technology partners have allowed global players with a local perspective to penetrate new markets. **Convergence** Taking advantage of the synergies that have arisen between certain sectors and telemarketers is essential today. Find out what they are. **Diversification** A cross-selling proposition is only solid if it is offered at the right time and with the necessary means. Learn about the most successful models. --- #### Telecommunications Industry | Team Needs and Tools | Video **URL:** https://www.tecalis.com/guides/telecom-industry-video-area-sales-teams-needs-tools-solutions-challenges **Descripción:** The telecommunications industry must provide its teams and departments with the necessary tools to meet the demands of the markets they work in. The telecommunications area is emerging as one of the most dynamic, complex, competitive, and changing industry of the economy. The heterogeneity of the markets clashes with a homogeneous proposal in terms of products and services. **What have those in direct contact with the market detected?** **Points of Sale** Sales agents highlight a number of needs in order to be able to respond to their customers' expectations. **An autonomous customer** Self-activation is a must nowadays in any channel thanks to KYC and e-signature solutions. **Automation** Less frustrated IT teams and more capable professionals that drive change. No blocking areas and rapid deployments. **Documentation** The telecom industry is one of the most sensitive industries collecting identity data that must be handled according to the required standards. **Solutions for productive and efficient telecom teams and areas** We listened to industry players to discover the challenges they face from direct customer contact to the most strategic operational areas. The proposed solutions have resulted in excellent KPIs. **Own channel** A capillary management by area with operational trees allows managers to give the maximum and to help POS boost sales. **Alternative channel** Motivating and training agents, managing their stock and validating their merchandising from a single app is now a reality. **Marketplaces** The online channel stands out for its versatility, user preference and low cost per acquisition. --- #### Telecom | Frauds, fraudsters and types | Video **URL:** https://www.tecalis.com/guides/telecom-telecommunications-video-fraud-types-fraudsters **Descripción:** Telecommunications fraud has been a challenge for many operators. Today, achieving zero fraud and perfect regulatory compliance is possible. Telecommunications businesses are constantly facing fraudulent attacks. Every minute, thousands of fraud attempts are made to penetrate operators' systems and customers' accounts. **Which are the most outstanding fraud types?** **Identity-related** Impersonation frauds such as SIM Swapping or account theft happen all the time, even at the point of sale. **Attacks on lines** Suspicious contracting of certain tariffs with special conditions sometimes involves fraud. **Premium services** Know Your Business systems have helped sell more in B2B markets and completely mitigate their related frauds. **Automation** RegTech systems have put a stop to attacks before they even occur because of their deterrence capabilities. **How are key players preventing fraud and attacks?** Leading and innovative industry players have embraced disruptive solutions that result in zero telco fraud and comprehensive compliance with the most demanding regulations in any market. **Authentication** Granting access only to the right users without decreasing conversion rates is now possible by integrating simple tools in days. **Contracting** Sales processes whether by phone, online, or face-to-face must have the necessary anti-fraud checks in place to comply with regulators’ requirements. **Point of Sale** POS both proprietary and alternative, online and offline, must be prepared to prevent fraud real-time. --- #### Electronic Signatures Types | Step-by-Step Guide **URL:** https://www.tecalis.com/electronic-signature-types-guide-levels-sending-format-simple-advanced-qualified-biometric **Descripción:** Electronic and digital signatures come in different types, levels and formats. Choosing the right ones for each use case is a must. Electronic and digital signatures have become one of the most relevant everyday tools in businesses across all industries. Choosing the right types and configuring the right delivery settings for each use case is a must. **Learn it all about its types and which one should you use** **A myriad of options** Train and empower your teams to deliver the best signer experience without ever compromising on security. **Functionality** Explore all the capabilities of a document manager as the center of your business operations. **Similar tools** Discover the similarities and differences between electronic signatures, notifications and invoices. **Automations** Use calendars, trigger mailings as events occur, or apply automatic renewals and notices. **Get maximum performance and boost results** Integrating an eSignature solution into your day-to-day business is easy. Deepening in its use and best practices will allow you to get the most out of the platforms that have made leading companies in their sector and professionals from all areas of an organization grow. **Highlights** Learn in detail all the ins and outs of each format, level and electronic signature system. **Use cases** Depending on the activity of your business or the type of operation, one formula or another of eIDAS electronic signature should be chosen. **Recommendations** Adjust the parameters before sending and make use of less common functionalities to optimize your results to the maximum. --- #### Sales tools and management software | Detailed Infographics **URL:** https://www.tecalis.com/guides/sales-tools-purchase-contracting-commercial-management-infographics-salespeople **Descripción:** Up-to-date tools for sales and commercial management are easy to implement. Sell more online, face-to-face, and telematic channels. Find out how. In highly competitive markets where sales teams face great challenges, your teams need tools that allow them to focus on what is important. There are 3 key steps to create functional sales channels. **Boost sales at a lower cost per acquisition** **Sales network structuring** Design a strategy that allows you to obtain a panoramic and real-time view of your sales to constantly optimize your processes. **Motivating teams** Equipping sales agents with up-to-date tools is the key to commercial success today. **Customer experience** A new, more demanding and autonomous customer demands speed and concrete solutions. They will abandon the buying process if they encounter friction. **Ideas** Dare to explore new use cases that generate new opportunities for your vendors. **More capable and productive managers and salespeople** New sales tools allow you to do more in less time. Plan your strategy and create an organization designed through the characteristics of each market and support (online, face-to-face, and telematic) that adapts its proposal to the demands of each client. **Pay-per-use** Pay only according to the use you make of the new tools, without previous investments. **Technologies** Why does my competitor outsell me if the offer is similar? There are new developments in sales channels that you may be overlooking. **No complexity** From experts to non-digitized users can take full advantage of these simple solutions that do not require IT integration. --- #### Remote contracting for call centers | Use Case **URL:** https://www.tecalis.com/use-cases/contracting-call-centers-ecommerce-pos-sales-telecom-bfsi-utilites **Descripción:** Telcos, BFSIs, and Utilities make hundreds of customers every hour thanks to the best tools for remote contracting. Key industries such as telecommunications, utilities, and BFSI use a variety of commercial channels to reach their potential customers. The best techniques of leaders in these areas are being used by the rest and respond to the challenges posed by new user categories. **An approach adapted to sales channel and its users** **Call Centers** Goodbye to call recordings. Hello to 100% compliant and easy onboarding with instant KYC and eSignature. **Online PoS** A purchase and contracting process with immediate product activation under the same flow and in seconds. **Face-to-face sales** Sales outlets and sales offices can streamline their operations and minimize bureaucracy. **Sales tools** Sales agents now have a platform that has everything they need to sell more in less time. **A single platform for all markets** Sales agents who close dozens of customers every hour thanks to the best tools for remote contracting. Sales managers who optimize their sales network with just a few clicks. Discover how to reduce acquisition costs and processing times. **100% compliant** Avoid penalties from regulators and sell more by complying with the most demanding laws in each market and sector. **Self-activation** Empower your customer and allow them to auto-activate their credit or SIM cards on a simple platform when they get home. **Real-time data** Get a panoramic view of each commercial agent and their active opportunities. --- #### Sales and channel management | Product Guide | Tecalis **URL:** https://www.tecalis.com/guides/commercial-management-hub-sales-new-tools-grow-optimize **Descripción:** New global and unified tools for all commercial operations in any channel and market. A mixed model that improves sales and marketing performance. Simplify and scale all your business operations with techniques and innovations from leaders in all industries. Sales efforts in areas such as telecommunications, BFSI (Banking, Financial Services, FinTech, Insurance...) or utilities must be performed in a planned way and with a special focus on the contracting process. **Get your sales teams to perform at their best** **Customer expectations** A new consumer profile has upended best-practices in sales and marketing. Discover their profile and demands. **Market Insights** Offer your sales agents all the tools to be capable and productive in competitive environments and with wide product ranges. **Managers with real-time data** Credentials generated based on the two previous processes. Enabling risk operations in customer portals with PSD2. **Unification** Registration, sales, management and automation of processes in a single platform. **Implement new technologies in your sales channels** Set up new face-to-face, online and telematic points of sale in minutes for own and indirect channels. Create commission programs to motivate your agents, give them tools to collect identity documentation in seconds in an automated way and sign more contracts in less time at a really reduced cost-per-acquisition. **Functionalities** Discover all the advantages of integrating KYC/AML validation and unified digital contracting process, anywhere, anytime. **Modifiable SaaS** The best of both worlds. A pay-per-use format in a system configured specifically for your business and its needs. **Absolute compliance** Avoid penalties and comply with technical and legal mandates in any region to give more security to your customers and reduce costs. --- #### Onboarding and KYC for Insurance Sector | Tecalis **URL:** https://www.tecalis.com/guides/onboarding-kyc-id-verification-identity-verification-insurance-sector **Descripción:** Identity verification is crucial in any onboarding process in insurance sector. Discover its processes, applications and models. The digital transformation of the insurance industry requires robust and capable onboarding and KYC processes. Find out how you can automate the entire process, from valuation to policy activation in compliance with international regulations and standards. **Must-have functionalities to ensure insured conversion** **Complete process** Onboard customers and activate policies in seconds. Increases activations and reduces abandonment rate. **Adaptive biometrics** Instant policy activation through RegTech technology of a QTSP. Real-time execution of the most comprehensive checks for an error-free platform. **OCR technologies** Automatic identification and recognition of documents, without requiring previous specification. **Beyond KYC** Trusted technology solutions for all phases of the customer journey, business area, and use case. **One platform. Any Identity Journey.** Ease of integration and scalability is one of our priorities when integrating our solutions in the insurance sector and other industries we operate. For this reason, we offer the best SaaS to enable the digital transformation of businesses without heavy investment or effort from IT teams. **Pay-per-use** Access the best technology on demand with no development costs. **Up-to-date** Constant and monthly updated legal support. **In-all-circumstances** Scale your business to other markets and regions easily and without extra investment. --- #### Unified insurance commercial management | Tecalis **URL:** https://www.tecalis.com/guides/commercial-management-hub-sales-tools-insurance-sector **Descripción:** The Customer Hub is a tool that allows you to manage your entire network of agents, brokers and policyholders. It boosts sales in the insurance sector. Accelerate policy issuance with the only platform for agents and policyholders that covers the needs of all your channels, brands and products. Discover how to boost the efforts of your sales teams through technology that is already simplifying and scaling business operations in areas such as telecommunications, BFSI and utilities. **A single tool for your network of agents, brokers and policyholders** **Unified experience** Customers are demanding that insurance companies innovate in the processes, products, and services they offer. Find out what they demand. **Reduce fraud** Working with the right tools enables you to protect your policyholders' information and avoid potential fraudulent claims. **Real-time data** Make informed and objective decisions, adapting faster to market changes. **Unification** Covers all the activity of your offices, call centers, and/or online channels under a single digital ecosystem. **Implement our technology and process contracts in just a few minutes** Open new points of sale, agents, brokers, and intermediaries in minutes, either in person, online, or telematically. Create commission programs to motivate your agents, give them tools to collect identity documentation in seconds in an automated way, and sign more policies in less time at a reduced cost per acquisition. **Functionalities** KYC/AML validation with fraud scoring and database controls. As well as the creation of a unified digital process for user activation, anywhere, anytime. **Modifiable SaaS** A pay-per-use format with no development cost configured under a flexible system that adapts to your business and its future scalability. **Absolute compliance** Working with a RegTech partner helps you ensure compliance with increasingly demanding international regulations. --- #### Mobility and Transportation: Challenges and Solutions **URL:** https://www.tecalis.com/use-cases/mobility-transportation-sharing-challenges-solutions-kyc-news **Descripción:** Mobility and transportation industry faces a series of challenges that fortunately have a solution thanks to RegTech. Mobility as a Service, pooling, hailing, renting, leasing, sharing, buying and selling, financing, logistics or insurance: a complex and dynamic industry with new players in constant evolution requires solutions that respond to its most immediate challenges. **Challenges and opportunities for all** **Data Protection Compliance** Complying with data protection standards is mandatory due to new regulatory requirements in mobility and transportation. **Registration of new users**  It is essential to use KYC tools that verify driving licenses and ID docs in real time. **Documentation and contracting** Fast, 100% legal digital signature enables instantaneous sign-up for any type of industry transaction. **Platforms’ growth** Set new opportunities to enable never-before-seen use cases, growing revenues and reducing operating costs. **Faster, cheaper and safer processes** Whether it is public or private transportation, both users and regulators are demanding changes from new and old players in the industry. The obsolescence of old systems can be a good opportunity to obtain a triple benefit by incorporating the latest RegTech systems: cost savings, increased security and a seamless customer experience. **Industry news** Learn in detail what industry professionals are concerned about and customers’ demands. **Tools for growth** Find out which agile systems and tools have been integrated by the fastest growing companies in the industry. **Regulatory** Adjust customer-related processes to comply with regulations and avoid penalties or disputes. --- #### Open Gateway: Tecalis platform integrations **URL:** https://www.tecalis.com/guides/open-gateway-api-apis-integration-tecalis-identity **Descripción:** Tecalis is the first QTSP-eIDAS to integrate Open Gateway APIs into our verification, onboarding, digital signature and BSS systems. Tecalis is the first and only Qualified Trust Service Provider (QTSP-eIDAS2) to use Open Gateway technologies in its products and platforms. In addition to the over 50 controls Tecalis holds in Identity and Sign platforms, now it incorporates GSMA's Open Gateway technologies. **Last-gen anti-fraud checks** **Sim Swap** Detects recent changes in SIM status (and possible duplicates or replacements) to prevent identity theft fraud. **Number Verification** Verifies that phone number is valid, belongs to the user, and that it is working inside the device used for the process. **Device Location** Confirms location of the device in real time to authenticate the user. High accuracy and triangulation of information beyond and combined with GPS and IP. **Device Roaming** Identifies roaming status of a device to adjust services and costs for both onboarding payments and other use cases. **Telecom “Open Banking”: More Data and Capabilities** Open Gateway is a GSMA-driven information and technology sharing framework that provides access to key standardized mobile and fixed network functionalities and tools, public and private telecom information, operator-shared systems and technologies, and global anti-fraud databases. **Industry standards** 87% of telecom operators worldwide and growing. MNO, MVNOs, ISPs and global telecom business support this initiative. **Powered by Tecalis** We have made agreements with major telecom to drive these solutions in leading players in all industries. **100% compliant and secure** Allows access to more data, in real time and without penalties. Multiply your security by complying with the most demanding laws. --- #### Real Estate: Digital Signature and Identity | Guide **URL:** https://www.tecalis.com/real-estate-identity-signature-news-mini-ebook-digital-guide **Descripción:** Real estate use cases guide on where to apply PropTech solutions to grow, save and speed up. Digital transformation in the RE industry is undergoing a second revolution thanks to solutions based on artificial intelligence and the tools of the fastest growing PropTechs. Discover how to save and grow without large investments. **Don't get left behind** **Industry Challenges** Spot recent changes in the market and learn about the most pressing challenges that leaders are leveraging to find new customers. **Critical Needs** In the immediate future, a number of transformations and changes will require tools to comply with regulations, streamline processes and give the best customer experience. **Insights and numbers** Evaluate market data and draw accurate conclusions that allow you to analyze your processes in a conscious way. Discover the latest industry studies. **Solutions and use cases** Apply the solutions to these challenges, needs and changes in your business with dozens of use cases to lead the new stage. **More capable, agile and sustainable Real Estate businesses** With a simple implementation in days, your real estate business can adapt to the new digital reality and artificial intelligence without large investments, with pay-per-use solutions and 100% adapted. Download the guide and discover the RE processes where they apply. **Identity verification** Complies with exhaustive regulations and operates remotely for high-risk operations of investment, purchase and sale, rental, notification, etc. **Electronic signature** Close transactions in seconds without paperwork at a lower cost thanks to the digital signature designed for all types of RE contracts and agreements. **RegTech + PropTech** e-Notifications, task automation, automatic search, anti-fraud controls, automated compliance and much more. --- #### EdTech solutions for education | Infographic | Tecalis **URL:** https://www.tecalis.com/edtech-solutions-education-training-digital-tools **Descripción:** EdTech solutions for training companies, educational institutions and schools. Digital tools for certifying degrees, evaluations and exams. Schools and educational institutions that strive for excellence are looking for tools to facilitate procedures, integrate processes, certify operations and prevent fraud, both for schools and students. Find out how to be more secure, agile and versatile. **What EdTech tools are leading institutions using?** **Registration and authentication** Register new students quickly and securely. **Electronic signature** Tecalis Sign offers digital signature of exams and assessments with encryption for 100% reliability. **Certified communications** Appointments and notifications with issuance certificate. **Enrollments and formalities** All procedures in simple steps, avoiding redundant actions and fraud. **Less complexity and costs, more speed and reputation** Full integration with your systems and those of third parties. Everything in a single platform. Publish calendars, create forms, register attendance and much more. All the tools for any task, from identity documentation, signatures, minutes or exams. **Proctoring systems** Detection of anomalous behavior or blocking of external programs, with the possibility of on-site and online monitoring. **Interactive kiosks and issuance of ID cards** Interactive kiosks offer a fast, intuitive and secure way to issue ID cards linked to the student. **Interactive Experiences** Systems for student card issuance, material loan and administrative procedures. --- #### About Tecalis and its solutions | Infographic | Tecalis **URL:** https://www.tecalis.com/tecalis-platform-infographic-products-services-summary **Descripción:** Everything you need to know about Tecalis as a company, its products, and services. Tecalis is a trusted service provider for the entire business cycle. Whether for operations affecting internal or external users, the technology developed responds to the challenges of the most decisive use cases in all sectors of activity. **Discover How to Build Secure and Productive Business Models** **Solutions Tested Since 2010** Explore use cases, solutions, and learn in detail about the products used by millions of people every day. **Governments, SMEs, and Large Companies** From acquiring new customers to contracting products and services, through internal back-office and management processes or employee onboarding. **Comply With Any Regulation** eIDAS2, AML, KYC, QES, GDPR, PSD3, DORA, NIS2, or MiCA. In more than 190 countries. **Use Cases by Industry** Create configurable and intelligent flows. With every feature imaginable. A single solution for every need. **AI-based Solutions For a New Era** Discover how to save and optimize B2B and B2C operations through advanced KYC and KYB processes with document verification in seconds, supporting systems such as advanced proctoring software, real-time screening, and reinventing the user experience with queue and access management systems. **Identity Verification and Onboarding** Facial and voice biometrics. Leading success rates thanks to intelligent flows. **RPA, Automation, and AI** Business scalability with the most secure technology, resistant to the most aggressive attacks. Discover best practices in AI, ML, and blockchain. **Electronic Signature and Certified Communication** A comprehensive, dynamic, and easy-to-use contracting platform for signing. --- #### Channel and Sales Tools Management for Utilities | Product sheet | Tecalis **URL:** https://www.tecalis.com/customer-hub-utilities-commercial-operations-product-overview **Descripción:** Boost sales and train utility teams with the only platform that fully covers all channels, brands, and products Utilities (energy, domestic services, supplies, etc.) need a holistic view of their business, covering all channels, brands, and products to meet all their sales and commercial needs. Customer Hub integrates all of this into a single platform, a single cross-functional ecosystem. **Everything a utility needs to grow its market offering** **Onboarding and Experience** Sign up new customers and manage incidents in seconds. **Total Integration** Configure products on your platform, sign up customers digitally, both in person and remotely, and add your business partners' networks. **Management Tools** For any process, such as after-sales, billing, sending certified notifications, and back office. **Instant Registration and Contracting** 100% compliant for any product. More customers, in less time. **A Cross-functional Hub** Full integration with your systems and those of third parties. Manage incidents and configure products, create and send certified notifications, commissioning systems, and call centers. All this ready in less than 45 days, guaranteed. **Assisted Sales Portal** An online portal with best practices and sales tools. **Agent Front End** Activate, serve, and manage more customers. The ultimate package for competitive markets. **Advanced Management Center** Configure and establish customer journeys and make operational changes with complete confidence. --- #### Customer Experience VS Security: Marketing and Sales Tools **URL:** https://www.tecalis.com/customer-experience-vs-security-marketing-sales **Descripción:** Discover how you don't have to choose between security and a seamless experience in your marketing and sales processes. Choosing between a higher conversion rate or a more secure process is a thing of the past. As regulatory and security requirements tighten, users become more distrustful and less attentive. Discover how to use last-gen tools so you don't have to sacrifice anything. **Automated marketing and sales processes** **Digital onboarding** For industries such as banking, financial services, insurance, telco, utilities, mobility, or any digital product, having a secure and agile onboarding flow is essential to compete. **From acquisition to onboarding** Integrating state-of-the-art AI tools at every stage helps avoid friction, as security processes run in the background without disturbing the user. **Avoid risks and fraud** Comply with the most demanding regulations for three purposes: avoid penalties, prevent the costs generated by fraud, and gain more loyal customers by being strict with your security. **New use cases** Enable instant sign-up for cross-selling after onboarding and encourage use of the service minutes after conversion. Create active, informed customers for your product. **How to identify, outperform, and transform dreaded "necessary friction"** The ins and outs of registration and onboarding technologies are complex and sometimes opaque. Trust digital partners who turn rigorous KYC and electronic signature controls into sales accelerators, eliminating friction and ensuring regulatory compliance (AML/eIDAS). **SaaS solutions** Centralize identity and signature on a scalable cloud platform, eliminating complex infrastructure costs. Operate without limits and grow globally with automatic and instant regulatory updates. **Ready-to-go** Implement onboarding flows in record time thanks to preconfigured modules and API-first architectures. Dramatically accelerate _time-to-market_ and start acquiring customers from day one. **No more arguments between teams** Align Sales, Marketing, Operations, IT, and Legal teams with tools that seamlessly combine high conversion and strict _compliance_. --- #### How to Align Marketing and Sales Teams: AI and Digital Tools **URL:** https://www.tecalis.com/sales-marketing-ai-digital-tools-transformation **Descripción:** Align your marketing and sales teams with AI technologies and innovative digital tools. See how. In sectors with high contracting rates and a wide variety of channels (financial services, telecommunications, utilities, insurance, mobility), Marketing and Sales have often operated in silos. Marketing measured "Leads," Sales measured "Contracts." Discover the key tools and changes to implement to avoid this. **Automated marketing and sales processes** **Inefficiency gap** Highly bureaucratic processes, lack of documentation, or delayed risk validations. **Use of new tools** RegTech and AI are not just compliance tools; they are the common language that allows both teams to align under a single goal: Revenue. **Alarming data** Companies with misaligned teams lose more than 10% of their annual revenue due to operational inefficiencies. **Regulated industries** Up to 72% of users abandon the onboarding process due to inefficiency and poor design. **How to identify, work with, and transform the dreaded "necessary friction"** In today's digital economy, the biggest threat to your growth is not competition, it's internal friction. While your marketing teams invest massive resources in attracting qualified traffic, your sales processes often operate with disconnected tools and manual validations that slow down the momentum of purchase. **New customer insights** They don't leave because they don't want your product; they leave because the process to buy it is too complex or generates mistrust. **Smarketing** True alignment (Smarketing) is not achieved through weekly meetings alone; it is achieved by sharing a technological infrastructure that unifies the customer vision. **True omnichannel** Align Sales (and all its channels), Marketing, Business, Operations, IT, and Legal—you can't leave anyone out if you want to achieve your goals. Automate intelligently. --- #### Sales and Marketing Trends: Automation and TrustTech **URL:** https://www.tecalis.com/guide-trends-marketing-sales-process-automation **Descripción:** Discover how to automate dozens of processes efficiently and explore the trends shaping the future of marketing and sales leadership. In the verification and conversion economy, security is no longer a hindrance but rather an accelerator of acquisition and sales. Discover how market leaders integrate identity, payments, and experience into a coherent flow to scale operations smoothly and with complete legal certainty. **What the fastest-growing companies are doing** **Sales-Marketing Alignment with AI** Move from reactive to predictive models. Use Lead Scoring and AI to detect high-value customers, personalize offers in real time, and anticipate needs before they arise. **Instant closing (ID + Payments)** Unify verification (KYC), electronic signature, and payment (PSD3) in a single journey. Eliminate isolated gateways and legally shield each transaction with complete evidence **Frictionless Onboarding** Forget manual forms. With the rollout of the EUDI Wallet and sovereign identity, validate users in seconds by reusing their verified identity, reducing abandonment by up to 30%. **New tools** Current trends are shaped by what new systems and software are enabling: disruptive use cases while complying with regulations. **How to achieve "Zero-Friction Sales"** Friction is the silent enemy of conversion, and those who have been able to scale their marketing and sales models know this well. Fragmented architectures no longer work in an environment where users demand absolute trust. Balance operational agility with absolute legal certainty to grow without limits. **True Omnichannel (Phygital)** Coordinate physical and digital channels with the Customer Hub. Allow customers to start a contract on their mobile and finish it at a kiosk or store without repeating steps or duplicating data. **Security to improve ratios** Deploy advanced biometrics that detect deepfakes and microexpressions in real time. Protect your business from impersonation without interrupting the user experience. **Total Business Visibility** Align management, IT, and sales with unified metrics. Make decisions based on real channel performance data and ensure automatic regulatory compliance. --- #### How to Design Automated Sales Funnels: Maximum Conversion using AI **URL:** https://www.tecalis.com/automated-conversion-flow-customer-journey-ai-sales **Descripción:** Leverage your marketing efforts and maximize your sales KPIs with automated conversion flows using AI tools. Marketing teams strive to create smooth acquisition flows ("click-through") to maximize conversion rates, while compliance and risk departments impose rigorous checks. Align sales growth with maximum security by automating key parts of the sales flow. **User-invisible technology integrated into the funnel** **Acquisition and pre-qualification** Discover how to minimize cost per acquisition (CPA) and maximize click-through rate (CTR), while automatically filtering out bot traffic and fraud attempts. **Verification and identity** Eliminate OTP friction, dramatically increasing conversion at the top of the funnel (ToFu). Fraud is filtered out before spending resources on more costly non-automated identity verifications. **Automated data gathering** Eliminating manual data entry, which is the leading cause of abandonment on mobile devices due to user fatigue and typos, is possible. **Instant activation** Enable new use cases and cross-sales thanks to activation based on a RegTech process that is 100% secure and legal. **The 6 key phases in your funnel (and the sub-processes to integrate)** In today's digital ecosystem, the traditional dichotomy between robust security and a frictionless customer experience (CX) has become obsolete. Security is no longer a back-office function; it is a front-end feature that, when implemented correctly, acts as a revenue accelerator. **No need to change your core** There's no need to start from scratch. With certain adjustments and integration facilitated by the partner, combining SaaS tools with simple developments speeds up time-to-market. **On any channel** Technologies and tools that can be integrated into physical, online, or telephone channels, whether proprietary or alternative, and in different media and formats. **CX, UI, UX, and security, aligned** Customers receive what they value most: their time and security. An experience that feels agile, secure, and respectful. --- #### Tecalis Privacy Policy **URL:** https://www.tecalis.com/legal/privacy **Descripción:** Information about our privacy policy. Check here our information about privacy and personal data protection. Responsible for data processing The data controller in accordance with the purposes of the General Data Protection Regulation (GDPR) of the European Union and other national data protection laws of the Member States, as well as other data protection regulations is: **Name** Tecalis Software S.L. (formerly Dexga Technologies S.L.) **VAT NUMBER** B70186184 **Adress** Rúa Oliveira 96 B, 15895 Ames (A Coruña), Spain **Phone numbre** +34 91 10 10 700 **Email** hello@tecalis.com Designated Data Protection Officer The designated data protection officer is: **Name** Formas, Sistemas y Soluciones S.L. **VAT** B15638976 **Adress** Rúa Oliveiras, 35, P.I. Novomilladoiro, 15895 Ames, A Coruña **Email** dpd@tecalis.com General information on data processing ##### 1\. Scope of the processing of personal data Generally, we only process the personal data of our users to the extent necessary to provide a functioning website with all of our content and services. The processing of personal data on an ongoing basis is only carried out under the user's consent. Exceptions include cases where prior consent cannot technically be obtained and where data processing is permitted by law. ##### 2\. Legal basis for data processing Art. 6 para. 1 GDPR serves as the legal basis for obtaining the data subject's consent to the processing of his or her data. The article states that processing shall be legal - among others - if it relates to: 1. Processing of personal data necessary for the performance of a contract to which the data subject is a party. 2. Processing operations required to carry out pre-contractual activities. 3. Processing personal data to comply with a legal obligation to which the company is subject. 4. If the vital interests of the data subject or another natural person require the processing of personal data. 5. If the data processing is necessary to safeguard the legitimate interests of the company or a third party, as long as the interests or fundamental rights and freedoms of the data subject that require the protection of personal data do not prevail. ##### 3\. Deletion of data and duration of storage The data controller - in accordance with the purposes of the General Data Protection Regulation (GDPR) of the European Union and other national data protection laws of the member states as well as other data protection regulations - is: Website provision and creation of log files. ##### 1\. Scope of the processing of personal data Each time our website is accessed, our system automatically collects relevant data and information from the computer system of the calling device. The following data is collected: * Browser type and version used. * User's operating system * User's Internet Service Provider * User's IP address * Date and time of access * Web pages from which the user's system accessed our website * Web pages accessed by the user's system through our website This data is stored in the log files of our system but is not stored together with other personal user's data. ##### 2\. Purpose of data processing. The temporary storage of the IP address by the system is necessary for the delivery of the website to the user's device. For this purpose, the user's IP address must keep maintained during the session. Storage in log files is done to ensure the functionality of the website. The data is also used to optimize the website and to ensure the security of our IT systems. Data analysis for marketing purposes is not performed. ##### 3\. Duration of storage The data will be deleted as soon as it is no longer required for collection. The session is completed when the data collection for the provision of the website is achieved. If data is stored in log files, this is done for a maximum of seven days. Storage beyond this period is not possible. In this case, the IP addresses of the users are deleted or alienated so that an assignment of the calling customer is no longer possible. ##### 4\. Objection and deletion The collection of data for the provision of the website as well as the storage of data in log files are essential for the operation of the website. Therefore, the user cannot object to the aforementioned processes if he/she wants to continue browsing the website. ### **Signature User Privacy Policy** ##### **Description and scope of data processing** Tecalis, in its capacity as Data Processor, only processes the personal data provided to it by Signature users for the purpose of providing the services that the Data Controller has contracted.  ##### **2\. Purpose of data processing** The data will be used to send specific information related to a document, verify the data related to the sending and/or delivery of the same, the signature of the documents sent, the verification of the identity of the intervening parties and the verification of the date, time and place where the signature was made. Tecalis will not use the user's personal data for any purpose other than those described in this Privacy Policy, in the general and particular conditions contracts and in the data processor contract. The user must read and accept the Privacy Policy before proceeding with the use of the platform, especially when the functionality to be used is the collection of the user's signature, complying with the provisions of the European Regulation 679/2016, art. 9.2, which indicates that the express consent of conformity of the user must be obtained when data of certain special categories are collected, which includes biometric data: the advanced electronic signature of Tecalis incorporates biometric technology that captures the biometric data of the graph of the person who performs the signature. This data includes, but is not limited to, speed, acceleration or pressure. ##### **3\. Duration of storage** Tecalis undertakes to store the data only for the time required by law and to ensure compliance with the appropriate security measures provided for in the applicable data protection laws. ##### **4\. User's rights** The User may exercise his/her data protection rights provided for in Articles 15 to 22 of the GDPR by means of a request to the Data Controller, i.e. the natural or legal person who has sent him/her a signature request via Signature. Tecalis, in its capacity as Data Processor, will provide the necessary support for this purpose. Likewise, users should be aware that they can file a complaint with the AEPD in the event that they consider that their data protection rights have been violated. In any case, the user may refer to the Data Controller at any time to consult the information regarding the processing of his personal data. Use of cookies ##### 1\. Description and scope of data processing. Our website uses cookies. Cookies are text files that are stored in the user's Internet browser or computer system. If a user calls up a website, a cookie may be stored on the user's operating system. These cookies contain a string of characters that allow the browser to be uniquely identified when the website is reopened. We use cookies to make our website easier to use. Some elements of our website require the calling browser to be identified even after a page break. The following data is stored and transmitted in cookies: a) Language settings b) Frequency of page visits c) Use of the website's functionalities The user data collected in this way is anonymized by technical measures. Therefore, it is no longer possible to assign the data to the user accessing the site. The data is not stored together with other personal data of the users. When accessing our website, the user is informed about the use of cookies for analytical purposes and his consent is obtained for the processing of personal data used in this context. Reference is also made to this privacy policy. ##### 2\. Purpose of data processing. The purpose of using technical cookies is to simplify the use of the website for users. Some functions of our website cannot be provided without the use of cookies. User data collected by technical cookies is not used to create user profiles. ##### 3\. Duration of storage and possibility of objection and deletion. Cookies are stored on the user's device and transmitted to our site by the user. Therefore, the user also has full control over the use of cookies. You can disable or restrict the transmission of cookies by changing the settings in your Internet browser. Cookies that have already been saved can be deleted at any time. This can also be done automatically. If cookies are deactivated for our website, some of the site's functions may not be used to their full extent. If the user uses the Safari browser version 12.1 or higher, cookies will be deleted automatically. **Google Analytics (\_ga)** Used to identify and distinguish a user. They store a unique customer identifier (customer ID), which is randomly generated. It is used to calculate user interactions (visits, user data, sessions and campaigns), in order to optimize the services offered. Google 2 years **Google Analytics (\_gid)** It is used to identify the same user for a single day. Google 24 hours **Google Analytics (\_gat)** It is used to differentiate between the different tracking objects created in the session. The cookie is updated each time you send data to Google Analytics. Google 1 minute Newsletter ##### 1\. Description and scope of data processing. Description and scope of data processing. The user can subscribe to a newsletter on our website free of charge. When subscribing to the newsletter, the following data is transmitted to us: a) E-mail address b) First name c) Last name(s) d) IP address of the user's device e) Date and time of registration The collected data will be used exclusively for sending the newsletter. ##### 2\. Purpose of data processing. The collection of the user's e-mail address serves to deliver the newsletter to the recipient. The collection of additional personal data as part of the registration process serves to prevent misuse of the services. ##### 3\. Duration of storage. The data will be deleted as soon as they are no longer needed to achieve the purpose for which they were collected. Thus, the user's e-mail address will be stored as long as the newsletter subscription is active. If data is stored in log files, this is done for a maximum of seven days. Other personal data collected in the course of the registration process is generally deleted after a period of seven days. ##### 4\. Purpose and deletion The subscription to the newsletter can be canceled by the data subject at any time. For this purpose, each newsletter contains a cancellation link. Through this system, it is also possible to revoke consent to the storage of personal data collected during the registration process. Contact by e-mail ##### 1\. Description and scope of data processing The user can contact us via the e-mail address provided on our website. In this case, the user's personal data transmitted in the e-mail will be stored. ##### 2\. Purpose of data processing The data will be used exclusively for the purpose of processing the conversation. Contact form. ##### 1\. Description and scope of data processing. We have a contact form available on our website that can be used for electronic contact. If a user uses this option, the data entered will be transmitted to us and stored. When sending the message, the following data will also be stored: a) E-mail address b) First name c) Last name(s) d) Telephone number e) CV (if it is a job application) f) IP address of the user's device g) Date and time of contact As part of the submission process, consent to the processing of your data will be obtained and reference will be made to this privacy policy. Alternatively, the user may contact us via the email address provided on the website. In this case, the user's personal data transmitted in the e-mail will be stored. The data will be used exclusively for the processing of the conversation. ##### 2\. Purpose of data processing. The processing of personal data serves us exclusively to establish contact. If the user contacts us by e-mail, data processing is necessary. Further personal data processed during the sending process serves to prevent misuse of the contact form and to ensure the security of our IT systems. ##### 3\. Duration of storage. If data is stored in log files, this is done for a maximum of seven days. Other personal data collected in the course of the registration process is generally deleted after a period of seven days. ##### 4\. Purpose and deletion The user has the possibility to revoke consent to the processing of his personal data at any time. If the user contacts us by e-mail, he can object to the storage of his personal data at any time. In such a case, the conversation cannot be continued. In this case, all personal data stored in the course of establishing contact will be deleted. Corporate web appearances Use of corporate presence in social networks. On our company's website, we provide information and offer users of different social networks the possibility to make communications. If the user performs an action on our company's website in a social network (e.g., comments, contributions, likes, etc.), his or her personal data (e.g., name or profile picture) may be made public. However, as we generally - or to a large extent - do not influence the processing of personal data by the companies that own these social networks, we cannot make any binding statements regarding the purpose and scope of data processing. Our corporate presence in social networks is used for communication and exchange of information with (potential) customers. In particular, we use the corporate presence for the presentation of the company. Company postings may contain: a) Information about services b) Customer contact c) Company news Each user is free to publish personal data through these activities. The data generated is not stored in our systems. All companies that own the social networks we use corporately are headquartered in the United States, have signed, and are certified under the Privacy Shield Agreement signed between the European Union and the United States. This guarantees their commitment to comply with the standards and regulations of European data protection law. More information can be found at the following link: https://www.privacyshield.gov The user can object at any time to the processing of the personal data we collect in the context of their use of our corporate social media presence and assert their rights as a data subject referred to in Article 4 of this privacy policy by sending an email to dpd@tecalis.com. For more information on the processing of your personal data by the companies that own the social networks, you should consult their respective ownership policies. The social networks in which our company has a presence and the companies of which they are part are the following: * Instagram and Facebook: they are part of the company Facebook Ireland Ltd. * Twitter: Twitter International Company Use of corporate presences in career-oriented networks ##### 1\. Description and scope of data processing We use corporate presences in professionally oriented networks and maintain a corporate presence in the following professionally-oriented networks: * LinkedIn: LinkedIn Corporation On our site, we provide information and offer users the possibility to communicate with us. The corporate presence is used for job applications, information/public relations, and active recruiting. We do not have any information about the processing of the user's personal data by the companies responsible for the social networks. More information can be obtained by consulting the privacy policies available on their websites. If the user performs an action on our company's website (e.g. comments, contributions, likes, etc.), his or her personal data (e.g. name or profile picture) may become public. As part of the submission process, consent to the processing of your data will be obtained and reference will be made to this privacy policy. Alternatively, the user may contact us via the email address provided on the website. In this case, the user's personal data transmitted in the e-mail will be stored. The data will be used exclusively for the processing of the conversation. ##### 2\. Purpose of data processing Our corporate web presence serves to inform users about our services. Each user is free to publish personal data through the activities. ##### 3\. Duration of storage We store the activities and personal data published through our corporate web presence until the user revokes his consent. In addition, we comply with the statutory retention periods. ##### 4\. Purpose and deletion The user can object at any time to the processing of the personal data we collect within the scope of his or her use of our corporate presence and assert his or her rights as a data subject referred to in Article 4 of this privacy policy by sending an e-mail to dpd@tecalis.com. All of the companies that own the professionally-oriented social networks that we use corporately are headquartered in the United States, have signed, and are certified under the Privacy Shield Agreement signed between the European Union and the United States. This guarantees their commitment to comply with the standards and regulations of European data protection law. More information can be found at the following link: https://www.privacyshield.gov. Hosting The website is hosted on the servers of a service provider contracted by us. Our service provider is: Google Ireland Limited, IE 6388047V, Gordon House, Barrow Street Dublin 4, Ireland. The servers automatically collect and store information in so-called server log files, which the browser automatically transmits when a user visits the website. The information we store is: a) Browser type and version b) Operating system used c) Referrer URL d) Host name of the accessing device e) Time and date of server request f) IP address of the user's device This data will not be merged with other data sources. The website operator has a legitimate interest in the technically error-free presentation and optimization of its website; to this end, server log files must be saved. The website server is geographically located in the Netherlands. Geotargeting We use the IP address and other information provided by the user (e.g. a postal code) to approach potential target groups on a regional basis (so-called "geotargeting"). Regional target group targeting is used, for example, to automatically display regional offers or advertisements that are often more relevant to users. The legal basis for the use of the IP address and any other information provided by the user (e.g. zip code) is based on our legitimate interest in ensuring more accurate targeting and thus providing offers and advertisements with greater relevance for our users. Part of the IP address and additional information provided by the user (e.g. postal code) is simply processed and not stored separately. The user can prevent geo-targeting, for example, by using a VPN or a proxy server that prevents precise location. In addition, depending on the browser you are using, you can also deactivate a location targeting in the respective browser settings (As long as the respective browser supports it). We use geo-targeting on our website for the following purposes: a) Customer targeting b) User registration is required for the provision of certain content and services on our website. Use of plugins ##### 1\. Description and scope of data processing Google Analytics examines, among other things, the origin of visitors, their time spent on individual pages, and the use of search engines, which enables better monitoring of the success of advertising campaigns. Google places a cookie on the user's device. This allows personal data to be stored and evaluated, particularly user activity (which pages have been visited and which items have been clicked on), device and browser information (IP address and operating system), data about the advertisements displayed (which advertisements have been displayed and whether the user has clicked on them) and also data about advertising partners (pseudonymized user IDs). The information generated by the cookie about your use of this website will be transmitted to and stored by Google on servers in the United States. However, if IP anonymization is enabled in this online presence, Google will truncate the IP address beforehand, within member states of the European Union or other signatory states of the Agreement on the European Economic Area. Only in exceptional cases is the full IP address transmitted to a Google server in the USA and shortened there. Google has signed and is certified under the Privacy Shield Agreement between the European Union and the United States. In doing so, Google agrees to comply with the standards and regulations of European data protection law. More information can be found at the following link: [https://www.privacyshield.gov/](https://www.privacyshield.gov/). IP anonymization is active on this online presence. On behalf of the operator of this online presence, Google will use this information to evaluate your use, to compile reports on the activities, and to provide additional services associated with internet use. The IP address transmitted by your browser as part of Google Analytics is not combined with other Google data. You may refuse the use of cookies by selecting the appropriate settings on your browser. However, please note that if you do this you may not be able to use the full functionality of our website. More information about data collection and storage by Google can be found on their website. ##### 2\. Purpose of data processing The purpose of processing personal data is to specifically address a target group that has already expressed an initial interest by visiting the site. ##### 3\. Duration of storage Personal information will be stored for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by law. Advertising data in the server logs are anonymized on Google's statements to remove portions of IP address and cookie information after 9 and 18 months respectively. ##### 4\. Purpose and deletion The user has the right to revoke his declaration of consent under data protection law at any time. The revocation of consent does not affect the lawfulness of the processing carried out based on the consent until the revocation. You can prevent Google from collecting and processing your personal data by preventing the storage of cookies by third parties on your device. More information about objection and removal options against Google can be found on their website. --- #### Terms and conditions of use - Tecalis **URL:** https://www.tecalis.com/legal/terms-use **Descripción:** Information about our legal terms. Consult here the rules governing access and consultation of our website. These general conditions (hereinafter the "Conditions") regulate the use by the user of this website (hereinafter "the Portal"), which the company Dexga Technologies, S.L. (hereinafter "Tecalis") makes available to users. **Name** Tecalis Software S.L. (Formerly Dexga Technologies S.L.) **VAT number** ES B70186184 **Address** Rúa Oliveiras, 35, P.I. Novomilladoiro, 15895 Ames, A Coruña **Phone** +34 91 10 10 700 **E-mail address** hello@tecalis.com **Trade Register** Registered in Santiago de Compostela, volume 27, page 138, sheet SC-44079 Tecalis reserves the right to carry out - whenever necessary and without prior notice - all modifications and updates of the information contained in this website, both in the Spanish version and in the other languages. Likewise, some of the services offered through the Portal may be subject, in addition to these conditions, to their particular conditions, which in their case will also be applicable. As a consequence, simple navigation of the user through the Tecalis website implies the full acceptance of these Conditions, as well as of the particular conditions derived from the contracting of certain services. ### Intellectual and industrial property rights All the information contained in this website, including, but not limited to, names, logos, trademarks, designs, texts, software, images, databases, or navigation architecture, as well as the source code of the page, belong to Tecalis and/or to third parties who have transferred their rights to Tecalis. Under no circumstances does access to the website imply any waiver, transmission, or transfer, total or partial, of the mentioned rights. Neither does confer any right of use, transformation, alteration, reproduction, distribution, exploitation, or public communication of the contents and/or intellectual and industrial property rights without the prior and express authorization granted for this purpose by Tecalis or the third party owner of the rights. For any other use than those expressly permitted, it will be necessary to obtain the prior written consent of the rights owner. ### Exemption from liability Tecalis does not guarantee the non-existence of interruptions or errors in the Portal or its different content access. Neither does it guarantee that this is always and in all cases updated, although it will make its best effort to avoid them, correct them or update such content as soon as possible. Likewise, Tecalis does not assume any responsibility for any of the information contained in other web portals to which this Portal may refer through links or links. Tecalis does not assume any responsibility derived from the concession or contents of the links of third parties referred to in www.tecalis.com. Nor does it guarantee the absence of viruses or other elements in them that may cause alterations in the user's computer system (hardware and software), documents, or files, excluding any responsibility for damages of any kind caused to the user for this reason. Tecalis is not responsible for the content of any of them, nor for any changes or updates that may occur. Both access to this Portal and the use of the information contained therein are exclusive responsibilities of the user. Tecalis shall not be liable for any consequence or damage that may appear from such access or use of the information. Tecalis is not responsible for possible security errors or possible damages that these may cause in the user's systems as a result of the presence of a virus in the computer used to connect to the services and contents of the Portal, a malfunction of the browser, or the use of non-updated versions of the browser. ### Personal Data Protection and Cookies Policy The user must read and accept the information on Data Protection and Cookies Policy, which is accessible through the following link: [https://www.tecalis.com/legal/privacy](https://www.tecalis.com/legal/privacy) ### Applicable Law and Jurisdiction These Terms and Conditions are governed by Spanish law. In the event of any dispute or interpretation conflict of the terms that conform to these Conditions, as well as any question related to the services presented in the Portal, the Spanish law will be applicable. For any dispute that may arise from the application of the services, interpretation, or application of these Conditions, the parties submit to the jurisdiction of the Commercial Courts and Tribunals of Santiago de Compostela. ### **Special conditions of use of the electronic signature service** Know our terms and conditions. This document governs the specific conditions relating to the use of the electronic signature service by Tecalis customers, serving as a complement to the General Terms and Conditions document. ##### **1\. User registration** The user must provide, freely and voluntarily, all the data requested in the Customer Portal, always complying with the principles of relevance, proportionality and other obligations established in the Privacy Policy and related applicable regulations. Registration can be done by establishing an email and password or with the user's Linkedin and Google profiles. Bearing in mind that all the necessary data must be additionally provided to complete the registration on the platform once the user has been generated. ##### **2.  Price** The final price of the contracted products will be defined during the contracting process and, once the process is completed, a receipt will be sent by e-mail. In addition, invoices for the contracted services will always be available in the "Invoicing" section of the Customer Portal. Tecalis products are provided through its Dashboard or by integration via an API. In both cases, a license fee is required.  Tecalis reserves the right to modify the prices of the products and services offered through its web portal at any time, committing itself to maintain the rates in force indicated in the portal at the time of contracting the product and during the term stipulated in the purchase. Similarly, Tecalis may apply additional rules or costs to users who contract a plan other than Enterprise and who consume a large amount of server space due to the size of the documents used. ##### **3\. Taxes** The prices shown are subject to change depending on possible discounts, promotions or benefits offered on certain occasions and on a temporary basis. In addition, these prices do not include VAT, which will be applicable taking into account the domicile or habitual residence of the recipient of the provision of the service, according to Law 28/2014, of 27 November, amending among others Law 37/1992, of 28 December, on Value Added Tax, and in accordance with the provisions of the localization rules introduced in Directive 2006/112/EC by Directive 2008/8/EC of 12 February 2008. The user will always be informed, prior to contracting, of the amount corresponding to the VAT of the product that he/she wishes to contract and that will be reflected in the invoice. ##### **4\. Contracting procedure** The steps to follow to contract the service are as follows: 1. a) registration on the platform and email verification. b) selection of the products to be contracted through the Customer Portal. c) review of the summary of the services contracted and the prices associated with them, as well as the breakdown of the applicable taxes. d) review and express acceptance by the user of the general and specific contracting conditions and the privacy policy. e) receipt of an email with a summary of the contracting carried out with a link to the Customer Portal. The user may choose one of the plans offered or, in the case of a large company requiring a higher volume, request the assistance of the sales department to create a specific plan. The user can purchase another product or service as well as change the contracted plan through the options offered in the Customer Portal. ##### **5\. Form of Payment** The electronic signature service is paid by direct debit, for which the user must send the documentation proving ownership of the designated bank account so that Tecalis can issue the direct debit order. The contract will not be taken into account and will not be processed until the payment has been authorized by the corresponding bank or cashier's office. In case of a returned receipt, Tecalis may deactivate the service and apply the corresponding administrative costs. ##### **6\. Billing** Tecalis will issue the corresponding invoice once the purchase is formalized and, subsequently, during the first days of the month depending on the contracted modality. The invoice will always include a breakdown of taxes, regardless of the type of user or their location. ##### **7.  Duration** The service will always be provided for the term selected by the customer during the contract. In the event that the user decides unilaterally to terminate the signed contract without justified reason and before its expiration, Tecalis reserves the right to retain the amounts already collected so far as a penalty. The request for early termination of the contract by the user does not release the user from any outstanding payments. At the end of the contract term stipulated in the contract, renewal shall be automatic. With the exception that, one month prior to the expiration date, either party expressly communicates to the other party its desire not to continue with the contract. The time stamps are valid for 5 years. If the user wishes to have one or more documents resealed after the validity period has expired, he/she must request the service and pay the corresponding price. ##### **8\. Terms of delivery** Once the contracting is completed, the user will be able to access the product or service purchased through the accesses enabled in the Dashboard of the Customer Portal. In case the user detects that the application has any error or any type of problem that he/she is unaware of, he/she should contact Tecalis support department using the means of communication indicated in the Customer Portal. ##### **9\. Warranties** 1. a) Stability: Tecalis products are designed to withstand high operational flows. No peak demand will affect performance. b) Security: Tecalis is ISO 27001 certified for information security and its products use the latest technologies in information encryption and data processing to ensure maximum security. c) Privacy: Tecalis has implemented all necessary technical and organizational measures to secure the information of its users and minimize the risks related to the loss of personal data and/or confidential information. For more information, please refer to the Privacy Policy. The guarantees contained in this clause are not affected by the following conditions, which depend on decisions made by the users: The legal effectiveness of the signatory will depend on the robustness of the signature invoked. Within the regulations governing electronic identification in Europe (eIDAS) there are different legal signature levels. Tecalis Signature allows operations with multiple security levels that will provide more or less evidence to the signatories. Thus, the signer may be required to enter his ID card, sign by OTP or perform an identity verification, among other mechanisms, which provide higher levels of security within a simple or advanced signature. Another element that must be taken into account when evaluating the process is the device used by the user to sign, since, depending on the characteristics of the device used, more evidence can be gathered to demonstrate the authenticity of the signature. ##### **10\. User Responsibilities** The user agrees to: 1. a) to pay the amount stipulated in the contract for the contracted product in the stipulated amount and manner. b) to make good use of the contracted platform, being obliged to use it in a lawful manner and without contravening the current legislation or harming the rights and interests of third parties. c) to guarantee the truthfulness and accuracy of the data provided during the registration and contracting process, avoiding any damage to Tecalis due to its inaccuracy. d) use your user profile diligently, making sure that it is not accessible by third parties. e) inform Tecalis of any loss, theft or access by unauthorized third parties to your profile so that Tecalis can carry out its blocking. f) do not misuse the platform in any way, especially with regard to the following points, without excluding others of a similar nature: * Those that harm or violate the rights of minors. * Fraudulent activities or sending viruses. * Adult or pornographic material. * Attacks on other websites. 1. g) inform third parties with whom it interacts about the use of the platform, the General Terms and Conditions and the privacy policy. h) comply with the legislation on data protection when operating as a Data Controller. Tecalis will never be liable for the consequences arising from this non-compliance. i) make appropriate use of the platform, Tecalis reserves the right to set a maximum limit on the number of signature operations that a user can perform if an abusive use is detected. j) review the information entered in the platform and in the contracts so that you can have total security in relation to: to whom you send the document (by SMS or email), delegation of signatures, management of external observers and any other functionality that allows an external user to access a document. k) use the most appropriate or convenient signature method for each contractual act to provide it with greater legal certainty. Failure to comply with any of the conditions stipulated in this clause may result in the immediate withdrawal or cancellation of the user in the Customer Portal without the right to request compensation. The cancellation of the user account of the Customer Portal entails the inaccessibility to the contracted products. ##### **11\. Tecalis' Responsibilities** Tecalis will be responsible for: 1. a) provide the service in the form and characteristics stipulated in this document and the general conditions. b) adopt the appropriate security measures with the utmost diligence, protecting the confidentiality of user data as provided in this document and other applicable legal policies. c) adopt the security measures attributable to it as Data Processor when appropriate. d) solve the problems that may arise, provided that they are due exclusively to a problem in its systems, collaborating with the user in everything necessary to achieve a rapid resolution of the incident. By way of example and in no case limited to, Tecalis shall not be liable in the following circumstances: 1. a) abuse or misuse by the user of the information obtained through the contracted platform. b) damages or losses arising from the use of the information extracted from the products and services offered by Tecalis. c) processes not completed through Signature when the unsuccessful completion of the process is attributable to the user or any other participant other than Tecalis d) delays, damages or anomalies caused by actions carried out by the user, problems in the Internet network, force majeure or any other unforeseeable contingency beyond the good faith of the company. e) errors or damages caused by negligence or bad faith in the use of the products and services offered by Tecalis by the user. f) non-operability or problems in the elements that the user or its customers use or need to carry out the contracted process. g) failures or incidents in communications involving the loss or deletion of unfinished processes due to network failures or other types of incidents for which Tecalis is not directly responsible. In these cases, Tecalis also cannot guarantee that the platform is constantly operational, exempting itself from any damage caused. h) damage caused to the platform by the user or third parties. i) data processing that has not been previously reported or for which no measures have been taken when the responsible party is a third party. This point refers to cases in which Tecalis acts as data processor and must comply with the inherent obligations and responsibilities.  In situations where the user has not acted diligently and/or has taken advantage of the functionalities of the platform made available by Tecalis to cause damage, Tecalis reserves the right to suspend the user's access to the Customer Portal at its discretion and without prior notice, either temporarily or permanently. Tecalis will cooperate with the competent authorities whenever there is an incident relating to its platform, even if it is not under its responsibility, provided that it gives rise to unlawful activities. ##### **12\. Modifications** Tecalis reserves the right to make, whenever convenient or necessary, all modifications and updates to the information contained in this document, both in the Spanish version and in the other languages. The modifications will be communicated and notified to the user through a notification in the Customer Portal, guaranteeing the principles of publicity and transparency, as well as the rights of consumers and users. ##### **13\. Termination of service** If the user wishes to proceed with the cancellation of a contracted product or service and meets the conditions stipulated in clause 7 of this document, he/she must contact the Tecalis support or billing team. This department will provide the customer with a pre-completed cancellation form for the customer to sign and send by email to the relevant department. --- #### Quality and Security Policies - Tecalis **URL:** https://www.tecalis.com/policies/standards **Descripción:** The quality of our technological solutions and the satisfaction of our users are of paramount importance to us and serve to guide our activities. **Tecalis** defines as a general policy to offer services that fully satisfy customers with an absolute commitment to maintaining the confidentiality, integrity, and availability of information, always in strict compliance with the legal and regulatory requirements in force, as well as the Codes, Standards, and Specifications contractually applicable. **Tecalis** promotes the maintenance and continuous improvement of an Integrated Quality Management System and Information **Information Security management and performance** by putting into play all the resources it deems necessary to strengthen these bases and the achievement of our objectives, as well as the maintenance of confidentiality, integrity, and availability of information. **Tecalis** complies with the highest standards of **Information Security** by complying with regulations such as **ISO 27001 and the RGPD**, ensuring confidentiality, integrity and availability of data. Internally, it implements strict access policies, data encryption and regular audits. With its clients, it applies measures such as strong authentication, secure electronic signature and advanced encryption, guaranteeing the protection of information in every process. The guidelines emanating from this Policy can be summarized in the following basic principles: ## Customer orientation **Tecalis** customers are our reason to exist. That's the reason why we must meet and satisfy the needs expressed by them and anticipate their expectations through permanent contact. It allows us to evaluate the perception that they have about our services to improve them continuously. ## Professionalism Due to the features of the activities we develop, a high level of professionalism is required from the different work teams as we have to adapt to the characteristics and needs of each client. One of our constants of performance is the permanent adaptation to new methods and techniques present in the market and the continuous improvement of our internal work procedures. ## Integration and participation The quality of our services depends basically on the people developing them. In addition to having the most appropriate means and methods, we must enhance the skills and abilities of the people who make up **Tecalis**, so that the specialization and training of human resources must be one of our main priorities. This specialization and skills training must be applied both in the initiation - for people who join the company - and on an ongoing basis to ensure that our processes have the necessary levels of efficiency. ## Decentralization and Delegation Our processes cannot be based on permanent supervision. All **Tecalis** people must assume responsibility for their tasks at the level that applies to them. The issue of our service must be centered on the people who perform it, so that the people belonging to the different teams of the company have the responsibility and authority to, within their framework of action, organize the activities to achieve customer satisfaction. ## Data-driven management To maintain the highest efficiency and quality level in our services we need control registers and measurement mechanisms to allow us to constantly evaluate their performance. To this end, the mission of **Tecalis** staff is to permanently check the results obtained in the processes to prevent any deviation from the commitments made to customers. ## Information security Tecalis promotes the reduction or elimination of risks or effects on **Tecalis** activity that could result from possible security breaches, taking into account the consequences of a loss of confidentiality, integrity, or availability of existing assets. To meet these basic principles, **Tecalis** formulates annual quality and information security objectives and monitors them, verifying compliance and establishing the necessary measures if compliance is threatened. The Quality and Information Security Policy is communicated to all personnel through training seminars and the delivery of a controlled copy of this document. In addition, another controlled copy is posted on the **Tecalis** bulletin board and the corporate web portal. In this way, Tecalis ensures that the Integrated Management System Policy is clearly understood by all company personnel and other interested parties. --- #### Supplier Policy - Tecalis **URL:** https://www.tecalis.com/policies/suppliers **Descripción:** Any supplier working with Tecalis must respect our supplier policies. This supplier policy establishes the procedure by which the relationship of **Tecalis** with its suppliers is regulated within the framework of the quality management certification according to the UNE-EN ISO 9001 standard. On the occasion of its implementation, **Tecalis** must communicate to all its suppliers the requirements established for the approval of the products and services received, as well as the competence of the company and the supplier's personnel, the interactions, control, and monitoring that the supplier applies in compliance with the requirements, among others. The communication of the requirements will be made through the order form or documents attached to the service request. **Tecalis** personnel will review the product or service at the time of receipt to verify its adequacy. If any incident is detected, it will be communicated to the supplier for resolution. **Tecalis** will annually assess the service capacity of its suppliers based on the non-conformities opened during the last fiscal year and may terminate the contract in case of repeated non-compliance with the established requirements. ---