Case Study: Sony Bank cuts mortgage contract turnaround from weeks to one hour with Adobe Acrobat Sign

Paperless mortgage loan contracts with Adobe Acrobat Sign dramatically reduce the time required to conclude a contract

Sony Bank is an Internet-only bank founded in 2001 that offers digital financial services including non-face-to-face mortgage loans. Faced with rising competition and a surge in contracts, the bank needed to speed up loan processing by digitizing a paper-based contract workflow that required customers to mail documents with registered seals and seal registration certificates—a process that typically took two to three weeks and often required rework.

Sony Bank implemented Adobe Acrobat Sign integrated with its Salesforce CRM, using two-step verification and audit trails to meet security requirements. The fully web-based contract flow eliminated round-trip mail and seal paperwork, automated reminders and notifications, and reduced contract completion time from 2–3 weeks to about one hour. The change cut operating costs by roughly 10%, eliminated stamp and certificate costs, increased the number of completed mortgages, and simplified work for staff and customers.

Sony Bank

Koji Shigeta

Deputy General Manager and Section Head of Business Planning Section, Loan Business Department