Pekao Leasing simplifies online leasing in partnership with Asseco

Pekao Leasing has implemented the Enterprise Paperless ecosystem by Asseco Data Systems, enabling customers to execute leasing agreements fully online - efficiently, without paper documents, and without the need for a qualified signature certificate. The deployed solution offers a range of electronic signature methods - from traditional forms to remote, one-time qualified signatures based on identity verification via the mObywatel app or the electronic layer of the national ID (e-dowód), as well as SMS-based authorization. This flexibility allows the signing process to be tailored to the customer’s needs and the specifics of each transaction.

Until now, the use of a qualified electronic signature required a long-term certificate and additional procedures to obtain it. The Enterprise Paperless solutions implemented at Pekao Leasing (including the Signer Platform with the SignHub component) enable customers to sign leasing agreements remotely - without printing documents, visiting a branch, or waiting for a courier. The process has been streamlined to the maximum while remaining fully compliant with the eIDAS regulation.

One process - multiple signature options

A key element of the implementation is the SignHub component, which consolidates various types of electronic signatures. Depending on the scenario, Pekao Leasing can offer a comprehensive e-signature ecosystem, allowing customers to choose from:

• Document form:
  
  • Advanced electronic signature with SMS-based authorization
• Electronic form:
  
  • Use of an existing qualified electronic signature
  • One-time qualified electronic signature preceded by remote identity verification via the login.gov.pl system, with options including verification through the mObywatel app or eID - enabling users without a qualified signature to sign documents

“Our goal was to create a solution that genuinely simplifies the leasing agreement process. Giving customers freedom to choose the most convenient signing method removes entry barriers and makes e-signatures accessible to everyone - without additional formalities or technological constraints,” said Małgorzata Lipska, Director of Products, Processes and Marketing at Pekao Leasing.

Security and data control

The Enterprise Paperless solutions, including the Signer Platform and SignHub component, have been deployed in an on-premise model, ensuring that documents and customer data remain within Pekao Leasing’s IT infrastructure. This approach provides full control over the process and ensures data confidentiality.

Documents delivered to customers are secured with a qualified electronic seal. Additionally, qualified validation and long-term preservation mechanisms are applied, ensuring that evidence remains intact for many years, regardless of technological changes or the passing time. As a result, Pekao Leasing has gained not only a document signing solution but also access to long-term evidence confirming the validity of signatures.

The qualified validation service - critical from a legal security perspective - significantly reduces risks associated with leasing agreements, such as challenges to signature authenticity, document integrity, or certificate validity. This ensures that the contracting process is not only convenient but also reliable for both parties.

“In projects for the financial sector, security, regulatory compliance, and data control are the key. The Signer Platform with the SignHub component has been designed as a comprehensive trust services ecosystem that combines user convenience with high security standards,” added Paulina Dzwonkowska, Partnerships and Sales Development Coordinator at Asseco Data Systems.

Leasing fully online

The new solution enables the entire leasing agreement process to be carried out digitally - from email notification, through secure signing, to the preservation of process evidence. The implementation eliminates paper-based document circulation, automates processes, increases the accessibility of leasing services, and significantly reduces time required to finalize agreements.

The Pekao Leasing implementation demonstrates that e-signatures can be not only secure and compliant, but also widely accessible, without technological barriers.

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