Case Study: Cetelem Slovakia achieves paperless, secure loan processing and 1.6M‑sheet annual savings with Tungsten Automation

Cetelem Slovakia Clears the Way for Paperless Loan Processing with Secure E-Signing

Cetelem Slovakia, part of the BNP Paribas Personal Finance Group, wanted to complete its move to paperless loan processing but faced a key obstacle: trustworthy capture of handwritten electronic signatures that looked and behaved like wet ink, included biometric evidence, resisted tampering, worked online or offline, and integrated with existing systems. The company processes roughly 100,000 loan contracts a year and needed a secure, easily verifiable e‑signature solution that would not require additional server hardware.

ANASOFT’s SIGNATUS, powered by Kofax SignDoc, met those needs by using Samsung Galaxy Note tablets and the S‑pen to record high‑fidelity digital ink and dynamic biometric signals, embedding them in encrypted, standards‑compliant PDFs and pushing documents into Cetelem’s DMS. The result: paper contracts were eliminated, saving about 1.6 million sheets annually, retailer payments were accelerated (payment the day after sale vs. ~5 days previously), and the rollout became a “lighthouse” project within the BNP Paribas group.

Cetelem Slovakia

Aleš Kos

Chief Commercial Officer & Vice-Chairman of the Board, Cetelem Slovakia