BCC Lease, the signature that simplifies leasing

Success stories told by our customers

Review, signature by the CEO, the legal representative, the supplier and the customer: closing a digital transaction and completing the signing of contracts can become a long, complicated process, marked by exchanges of emails, phone calls and PDFs. The more roles and parties involved, the more an electronic signature can make a difference, even in the stages following the conclusion of the contract.

A case in point today is BCC Lease, a financial company belonging to the Iccrea Cooperative Banking Group and specialising in equipment leasing for professionals, microenterprises and SMEs. Roberta Campanelli, General Manager of BCC Lease, recently talked about the electronic signature solution implemented with Intesa in an interview with Bancaforte.*

«A leasing agreement involves a triangulation of documentation: on one side we have the equipment supplier, on the other the end customer. Every document requires steps between us and the supplier, between us and the end customer, and then between the end customer and the supplier. In this dynamic, which allows for fully digital management, signature included, compared to the paper-based circulation of the document, the simplification is clear. For the customer, not having to wait days or months for the operation to take effect and to follow the constant exchange of documents, but instead having the contract signed and the equipment available right away, is essential».

Immediate and tangible benefits, then, thanks to an end-to-end signature platform built around the needs of the leasing company, which needs to interact with suppliers and customers within the context of a single transaction.

In the solution created by Intesa for BCC Lease, the first stage involves BCC Lease sending the end customer a magic link to access the signing of the contract proposal, the request for a qualified signature certificate, the privacy notice and the anti-money-laundering form. After the end customer’s advanced electronic signature (AES), the anti-money-laundering form and the qualified signature certificate request are forwarded to the supplier, who will apply an AES. At the end of the process, Intesa will apply the QES to the document package and proceed with compliant electronic archiving.

In addition to speeding up the finalisation of the process, this solution has also given BCC Lease greater security and regulatory compliance. As Roberta Campanelli continues: «At the level of internal processes, managing, controlling and archiving a digital document is much faster, and in a business where the margin per transaction is limited, this generates significant savings. There’s another fundamental aspect too: security. A document that follows a certified digital process has an intrinsic level of security that brings benefits, for example, in relation to possible disputes».

A functional, secure electronic signature solution, but above all one tailored to BCC Lease’s needs. In line with Intesa’s approach, the solution is the result of close collaboration with the client. «What was essential here was the collaboration triggered between our internal expertise – the people in the organisation together with those responsible for control functions and compliance functions – and Intesa’s experts, who provided not only technical capabilities but also brought a genuine digital-oriented “culture” into the company. This helped us understand, for example, that the right approach isn’t to design technological solutions “in line with” the regulations, but to start from the customer’s needs».

Finding the most suitable expertise in regulation, compliance and technology, adopting design methodologies to bring together business needs and end-customer expectations. This is what choosing Intesa means.

* Bancaforte.it, La digitalizzazione? Ci mettiamo la firma