The online bank account as identity proof for the QES
summary
Swisscom presents a bank-account–based identity proof certified for Qualified Electronic Signatures (QES), using a small 0.10€ transaction plus the user’s banking TAN to prove account control and meet AML/eIDAS rules. The solution integrates with roughly 3,500 banks, supports one‑time and full onboarding flows, often completes identification and QES activation in under one minute, and is already used successfully for card, loan and HR signings with strong conversion.
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chapters (10)
- 0:00Online-Bankkonto as identity proof
- 1:06Swisscom as Trust Service Provider
- 4:43Mobile ID and Smart Registration
- 6:51Live demo: Bank account identification
- 10:25Technical details of identification
- 12:12QES with Bankkonto alternative
- 14:21Planer’s process experiences
- 16:30User acceptance and conversion
- 18:38Advantages and use cases
- 20:26Summary and outlook
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