www.onespan.com Open in urlscan Pro
2606:4700::6812:1bc4  Public Scan

Submitted URL: https://pages.onespan.com/MzA4LVpNVC03NDIAAAGBUtr0MiNn9fnbQJIk72skjz6X7dsOF2vdaLQerBEuxrX_HtbSa5pNWC8puI0OCTlWHekfnNU=
Effective URL: https://www.onespan.com/resources/Generali-Hellas/case-study?utm_campaign=MN-General-CS&utm_medium=email&utm_source=elq&...
Submission: On December 14 via manual from JO — Scanned from DE

Form analysis 3 forms found in the DOM

GET /search?type=1

<form action="/search?type=1" method="get" class="quicksearch-form" accept-charset="UTF-8" data-drupal-form-fields="">
  <input class="hidden" type="text" name="type" value="1">
  <div class="quicksearch">
    <div class="menu-search-input quicksearch-item">
      <input class="hidden menu-search-input-field form-text form-control quicksearch-input bar" type="text" autocomplete="off" name="search" value="" size="30" maxlength="128" placeholder="Keyword Search" tabindex="-1">
    </div><button class="button js-form-submit form-submit btn quicksearch-submit btn-primary foo" type="submit" value="Search" name="">
      <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 57 56" width="16" height="16">
        <path style="fill:#FFFFFF"
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        </path>
      </svg>
    </button>
  </div>
</form>

GET /search?type=1

<form action="/search?type=1" method="get" class="quicksearch-form" accept-charset="UTF-8" data-drupal-form-fields="">
  <input class="hidden" type="text" name="type" value="1">
  <div class="quicksearch active">
    <div class="menu-search-input quicksearch-item">
      <input class="hidden menu-search-input-field form-text form-control quicksearch-input bar" type="text" autocomplete="off" name="search" value="" size="30" maxlength="128" placeholder="Keyword Search" tabindex="-1">
    </div><button class="button js-form-submit form-submit btn quicksearch-submit btn-primary foo" type="submit" value="Search" name="">
      <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 57 56" width="16" height="16">
        <path style="fill:#FFFFFF"
          d="M55.5 50.2L41.5 36.2c2.6-3.7 4.2-8.2 4.2-13.1 0-12.5-10.1-22.6-22.6-22.6C10.7 0.5 0.6 10.7 0.6 23.1c0 12.5 10.1 22.6 22.6 22.6 5.3 0 10.2-1.9 14.1-5l13.8 13.8c0.6 0.6 1.4 0.9 2.2 0.9 0.8 0 1.6-0.3 2.2-0.9C56.7 53.3 56.7 51.4 55.5 50.2zM23.2 39.5c-9 0-16.4-7.3-16.4-16.4S14.2 6.7 23.2 6.7s16.4 7.3 16.4 16.4S32.2 39.5 23.2 39.5z">
        </path>
      </svg>
    </button>
  </div>
</form>

POST /resources/Generali-Hellas/case-study?mkt_tok=MzA4LVpNVC03NDIAAAGBUtr0MszfnTFYSanpvSGLow0Fw2wHwHt-0m_EBbqVBUGmaR4q9lmDZdH5ieD7cELqWHsdN-o30tIdhpw7fM9Tu6PFtNjQsOa-oSsWjC1eKCaY

<form
  class="webform-submission-form webform-submission-add-form webform-submission-contact-us-new-form webform-submission-contact-us-new-add-form webform-submission-contact-us-new-node-120416-form webform-submission-contact-us-new-node-120416-add-form js-webform-details-toggle webform-details-toggle"
  data-drupal-selector="webform-submission-contact-us-new-node-120416-add-form"
  action="/resources/Generali-Hellas/case-study?mkt_tok=MzA4LVpNVC03NDIAAAGBUtr0MszfnTFYSanpvSGLow0Fw2wHwHt-0m_EBbqVBUGmaR4q9lmDZdH5ieD7cELqWHsdN-o30tIdhpw7fM9Tu6PFtNjQsOa-oSsWjC1eKCaY" method="post"
  id="webform-submission-contact-us-new-node-120416-add-form" accept-charset="UTF-8"
  data-drupal-form-fields="edit-first-name,edit-last-name,edit-business-email,edit-company,edit-phone,edit-comments,edit-country,edit-state,edit-province,edit-industry,edit-area-of-interest,edit-pc-cons-optinrequest,edit-actions-submit,edit-thoughts">
  <div class="form-item js-form-item form-type-textfield js-form-type-textfield form-item-first-name js-form-item-first-name form-no-label form-group">
    <input data-webform-required-error="First Name is required." data-drupal-selector="edit-first-name" class="form-text required form-control" type="text" id="edit-first-name" name="first_name" value="" size="60" maxlength="255"
      placeholder="First Name*" required="required" aria-required="true">
  </div>
  <div class="form-item js-form-item form-type-textfield js-form-type-textfield form-item-last-name js-form-item-last-name form-no-label form-group">
    <input data-webform-required-error="Last Name is required." data-drupal-selector="edit-last-name" class="form-text required form-control" type="text" id="edit-last-name" name="last_name" value="" size="60" maxlength="255" placeholder="Last Name*"
      required="required" aria-required="true">
  </div>
  <div class="form-item js-form-item form-type-email js-form-type-email form-item-business-email js-form-item-business-email form-no-label form-group">
    <input data-webform-required-error="Business Email is required." data-drupal-selector="edit-business-email" class="form-email required form-control" type="email" id="edit-business-email" name="business_email" value="" size="60" maxlength="254"
      placeholder="Business Email*" required="required" aria-required="true">
  </div>
  <div class="form-item js-form-item form-type-textfield js-form-type-textfield form-item-company js-form-item-company form-no-label form-group">
    <input data-webform-required-error="Company is required." data-drupal-selector="edit-company" class="form-text required form-control" type="text" id="edit-company" name="company" value="" size="60" maxlength="255" placeholder="Company*"
      required="required" aria-required="true">
  </div>
  <div class="form-item js-form-item form-wrapper js-form-wrapper panel panel-default" data-drupal-selector="edit-phone-comments" id="edit-phone-comments">
    <div class="panel-heading">
      <div class="panel-title">Phone Comments</div>
    </div>
    <div class="panel-body">
      <div class="form-inline form-item js-form-item form-type-tel js-form-type-tel form-item-phone js-form-item-phone form-no-label form-group">
        <input data-webform-required-error="Phone number is required." data-drupal-selector="edit-phone" class="form-tel required form-control" type="tel" id="edit-phone" name="phone" value="" size="30" maxlength="128" placeholder="Phone*"
          required="required" aria-required="true">
      </div>
      <div class="form-item js-form-item form-type-textarea js-form-type-textarea form-item-comments js-form-item-comments form-no-label form-group">
        <div class="form-textarea-wrapper">
          <textarea data-webform-required-error="Comments are required." data-drupal-selector="edit-comments" class="form-textarea required form-control resize-vertical" id="edit-comments" name="comments" rows="5" cols="60" placeholder="Comments...*"
            required="required" aria-required="true"></textarea>
        </div>
      </div>
    </div>
  </div>
  <div class="form-item js-form-item form-wrapper js-form-wrapper panel panel-default" data-drupal-selector="edit-industry-interest" id="edit-industry-interest">
    <div class="panel-heading">
      <div class="panel-title">Industry Interest</div>
    </div>
    <div class="panel-body">
      <div class="form-item js-form-item form-type-select js-form-type-select form-item-country js-form-item-country form-no-label form-group">
        <select data-drupal-selector="edit-country" class="form-select required form-control" id="edit-country" name="country" required="required" aria-required="true">
          <option value="Select Country...*">Select Country...*</option>
          <option value="US">United States</option>
          <option value="GB">United Kingdom</option>
          <option value="CA">Canada</option>
          <option value="AF">Afghanistan</option>
          <option value="AX">Aland Islands</option>
          <option value="AL">Albania</option>
          <option value="DZ">Algeria</option>
          <option value="AS">American Samoa</option>
          <option value="AD">Andorra</option>
          <option value="AO">Angola</option>
          <option value="AI">Anguilla</option>
          <option value="AQ">Antarctica</option>
          <option value="AG">Antigua and Barbuda</option>
          <option value="AR">Argentina</option>
          <option value="AM">Armenia</option>
          <option value="AW">Aruba</option>
          <option value="AU">Australia</option>
          <option value="AT">Austria</option>
          <option value="AZ">Azerbaijan</option>
          <option value="BY">BY</option>
          <option value="BS">Bahamas</option>
          <option value="BH">Bahrain</option>
          <option value="BD">Bangladesh</option>
          <option value="BB">Barbados</option>
          <option value="BE">Belgium</option>
          <option value="BZ">Belize</option>
          <option value="BJ">Benin</option>
          <option value="BM">Bermuda</option>
          <option value="BT">Bhutan</option>
          <option value="BO">Bolivia, Plurinational State of</option>
          <option value="BQ">Bonaire, Sint Eustatius and Saba</option>
          <option value="BA">Bosnia and Herzegovina</option>
          <option value="BW">Botswana</option>
          <option value="BV">Bouvet Island</option>
          <option value="BR">Brazil</option>
          <option value="IO">British Indian Ocean Territory</option>
          <option value="BN">Brunei Darussalam</option>
          <option value="BG">Bulgaria</option>
          <option value="BF">Burkina Faso</option>
          <option value="BI">Burundi</option>
          <option value="KH">Cambodia</option>
          <option value="CM">Cameroon</option>
          <option value="CV">Cape Verde</option>
          <option value="KY">Cayman Islands</option>
          <option value="CF">Central African Republic</option>
          <option value="TD">Chad</option>
          <option value="CL">Chile</option>
          <option value="CN">China</option>
          <option value="CX">Christmas Island</option>
          <option value="CC">Cocos (Keeling) Islands</option>
          <option value="CO">Colombia</option>
          <option value="KM">Comoros</option>
          <option value="CG">Congo</option>
          <option value="CD">Congo, the Democratic Republic of the</option>
          <option value="CK">Cook Islands</option>
          <option value="CR">Costa Rica</option>
          <option value="CI">Cote d'Ivoire</option>
          <option value="HR">Croatia</option>
          <option value="CW">Curaçao</option>
          <option value="CY">Cyprus</option>
          <option value="CZ">Czech Republic</option>
          <option value="DK">Denmark</option>
          <option value="DJ">Djibouti</option>
          <option value="DM">Dominica</option>
          <option value="DO">Dominican Republic</option>
          <option value="EC">Ecuador</option>
          <option value="EG">Egypt</option>
          <option value="SV">El Salvador</option>
          <option value="GQ">Equatorial Guinea</option>
          <option value="ER">Eritrea</option>
          <option value="EE">Estonia</option>
          <option value="ET">Ethiopia</option>
          <option value="FK">Falkland Islands (Malvinas)</option>
          <option value="FO">Faroe Islands</option>
          <option value="FJ">Fiji</option>
          <option value="FI">Finland</option>
          <option value="FR">France</option>
          <option value="GF">French Guiana</option>
          <option value="PF">French Polynesia</option>
          <option value="TF">French Southern Territories</option>
          <option value="GA">Gabon</option>
          <option value="GM">Gambia</option>
          <option value="GE">Georgia</option>
          <option value="DE">Germany</option>
          <option value="GH">Ghana</option>
          <option value="GI">Gibraltar</option>
          <option value="GR">Greece</option>
          <option value="GL">Greenland</option>
          <option value="GD">Grenada</option>
          <option value="GP">Guadeloupe</option>
          <option value="GU">Guam</option>
          <option value="GT">Guatemala</option>
          <option value="GG">Guernsey</option>
          <option value="GN">Guinea</option>
          <option value="GW">Guinea-Bissau</option>
          <option value="GY">Guyana</option>
          <option value="HT">Haiti</option>
          <option value="HM">Heard Island and McDonald Islands</option>
          <option value="VA">Holy See (Vatican City State)</option>
          <option value="HN">Honduras</option>
          <option value="HK">Hong Kong</option>
          <option value="HU">Hungary</option>
          <option value="IS">Iceland</option>
          <option value="IN">India</option>
          <option value="ID">Indonesia</option>
          <option value="IQ">Iraq</option>
          <option value="IE">Ireland</option>
          <option value="IM">Isle of Man</option>
          <option value="IL">Israel</option>
          <option value="IT">Italy</option>
          <option value="JM">Jamaica</option>
          <option value="JP">Japan</option>
          <option value="JE">Jersey</option>
          <option value="JO">Jordan</option>
          <option value="KZ">Kazakhstan</option>
          <option value="KE">Kenya</option>
          <option value="KI">Kiribati</option>
          <option value="KR">Korea, Republic of</option>
          <option value="KW">Kuwait</option>
          <option value="KG">Kyrgyzstan</option>
          <option value="LA">Lao People's Democratic Republic</option>
          <option value="LV">Latvia</option>
          <option value="LB">Lebanon</option>
          <option value="LS">Lesotho</option>
          <option value="LR">Liberia</option>
          <option value="LY">Libya</option>
          <option value="LI">Liechtenstein</option>
          <option value="LT">Lithuania</option>
          <option value="LU">Luxembourg</option>
          <option value="MO">Macao</option>
          <option value="MK">Macedonia, the former Yugoslav Republic of</option>
          <option value="MG">Madagascar</option>
          <option value="MW">Malawi</option>
          <option value="MY">Malaysia</option>
          <option value="MV">Maldives</option>
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          <option value="MH">Marshall Islands</option>
          <option value="MQ">Martinique</option>
          <option value="MR">Mauritania</option>
          <option value="MU">Mauritius</option>
          <option value="YT">Mayotte</option>
          <option value="MX">Mexico</option>
          <option value="FM">Micronesia, Federated States of</option>
          <option value="MD">Moldova, Republic of</option>
          <option value="MC">Monaco</option>
          <option value="MN">Mongolia</option>
          <option value="ME">Montenegro</option>
          <option value="MS">Montserrat</option>
          <option value="MA">Morocco</option>
          <option value="MZ">Mozambique</option>
          <option value="MM">Myanmar</option>
          <option value="NA">Namibia</option>
          <option value="NR">Nauru</option>
          <option value="NP">Nepal</option>
          <option value="NL">Netherlands</option>
          <option value="NC">New Caledonia</option>
          <option value="NZ">New Zealand</option>
          <option value="NI">Nicaragua</option>
          <option value="NE">Niger</option>
          <option value="NG">Nigeria</option>
          <option value="NU">Niue</option>
          <option value="NF">Norfolk Island</option>
          <option value="MP">Northern Mariana Islands</option>
          <option value="NO">Norway</option>
          <option value="OM">Oman</option>
          <option value="PK">Pakistan</option>
          <option value="PW">Palau</option>
          <option value="PS">Palestine, State of</option>
          <option value="PA">Panama</option>
          <option value="PG">Papua New Guinea</option>
          <option value="PY">Paraguay</option>
          <option value="PE">Peru</option>
          <option value="PH">Philippines</option>
          <option value="PN">Pitcairn</option>
          <option value="PL">Poland</option>
          <option value="PT">Portugal</option>
          <option value="PR">Puerto Rico</option>
          <option value="QA">Qatar</option>
          <option value="RE">Reunion</option>
          <option value="RO">Romania</option>
          <option value="RU">Russian Federation</option>
          <option value="RW">Rwanda</option>
          <option value="BL">Saint Barthélemy</option>
          <option value="SH">Saint Helena, Ascension and Tristan da Cunha</option>
          <option value="KN">Saint Kitts and Nevis</option>
          <option value="LC">Saint Lucia</option>
          <option value="MF">Saint Martin (French part)</option>
          <option value="PM">Saint Pierre and Miquelon</option>
          <option value="VC">Saint Vincent and the Grenadines</option>
          <option value="WS">Samoa</option>
          <option value="SM">San Marino</option>
          <option value="ST">Sao Tome and Principe</option>
          <option value="SA">Saudi Arabia</option>
          <option value="SN">Senegal</option>
          <option value="RS">Serbia</option>
          <option value="SC">Seychelles</option>
          <option value="SL">Sierra Leone</option>
          <option value="SG">Singapore</option>
          <option value="SX">Sint Maarten (Dutch part)</option>
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          <option value="SI">Slovenia</option>
          <option value="SB">Solomon Islands</option>
          <option value="SO">Somalia</option>
          <option value="ZA">South Africa</option>
          <option value="GS">South Georgia and the South Sandwich Islands</option>
          <option value="SS">South Sudan</option>
          <option value="ES">Spain</option>
          <option value="LK">Sri Lanka</option>
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          <option value="VN">Vietnam</option>
          <option value="VG">Virgin Islands, British</option>
          <option value="VI">Virgin Islands, U.S.</option>
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          <option value="ZM">Zambia</option>
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      <div class="form-item js-form-item form-type-select js-form-type-select form-item-state js-form-item-state form-no-label form-group" style="display: none;">
        <select data-webform-required-error="State is required." data-drupal-selector="edit-state" class="form-select form-control" id="edit-state" name="state"
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          <option value="AZ">Arizona</option>
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          <option value="NH">New Hampshire</option>
          <option value="NJ">New Jersey</option>
          <option value="NM">New Mexico</option>
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          <option value="SD">South Dakota</option>
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      <div class="form-item js-form-item form-type-select js-form-type-select form-item-province js-form-item-province form-no-label form-group" style="display: none;">
        <select data-webform-required-error="Province is required." data-drupal-selector="edit-province" class="form-select form-control" id="edit-province" name="province"
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          <option value="Select Province...*">Select Province...*</option>
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CASE STUDY


GENERALI HELLAS

GENERALI ACCELERATES LIFE INSURANCE SIGNING PROCESS WITH ONESPAN SIGN

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EXECUTIVE SUMMARY

BUSINESS OBJECTIVES

 * Digitize and automate all processes involving signatures, starting with life
   insurance applications and contracts for their 3,000 independent brokers
 * Ensure compliance with Greece’s data privacy law, which requires clients to
   consent to their data being processed

THE SOLUTION

 * Go paperless, save time, and simplify the customer and broker experience with
   OneSpan Sign
 * Deployed as a cloud service with EU data hosting

THE RESULTS

 * Reduced time to complete life insurance applications from several days to
   less than 24 hours
 * OneSpan Sign API streamlined e-signature integration into existing apps
 * Proof of compliance with legal requirements for consent
 * Full business continuity during COVID-19

This insurance provider established an end-to-end digital process for their life
insurance offering before the pandemic and grew at a time that challenged other
insurers.

Generali is one of the largest global insurance and asset management providers.
Established in 1831, it is present in 50 countries in the world, with more than
72 thousand employees serving 65.9 million customers (Figures as of December 31,
2020).

The Greek parliament passed Law 4624/2019, a new data protection legislation
that directly impacted the Greek division Generali Hellas. The legislation
requires all members of an insured family over the age of 15 to sign consent
documents. This created a frustrating experience for the customer as they would
be obligated to come into the broker’s office to sign paperwork in-person.
Further, this extra step delayed the process, adding days or weeks to deliver a
quote to the customer.

Generali built one of the first end-to-end digital processes in Greece for their
life insurance customers and leveraged OneSpan Sign electronic signatures to
expedite the quote process while ensuring compliance. When the COVID-19 pandemic
hit, Generali was well poised to switch to a remote business model. In an
industry climate that challenged their competitors, Generali was increasing its
market share.

> Through our partnership with OneSpan, we are able to deliver our e-sign
> service and secure digital policy delivery. Generali pioneered the launch of
> this technology in Greece, and the positive feedback we have received from
> both customers and brokers, as well as the noticeable business benefits, are
> key factors in our decision to expand the use of the e-sign service to other
> products lines as well.
> 
> ANTONIS APERGISSOFTWARE DEVELOPMENT ASSISTANT MANAGER, GENERALI HELLAS


THE SOLUTION

Electronic signatures were a component of a larger digital transformation in
Generali Hellas in which all processes were slated to undergo a gradual
digitization to create automation and efficiency. To start, electronic
signatures were deployed to fulfill two use cases: the customer consent forms
that are part of the life insurance process, and contracts and agreements with
independent brokers.


CLIENT USE CASE: DIGITAL CONSENT FORMS

Generali describes their digital transformation as a strategic pillar of the
organization. Their in-house IT department and ongoing digital projects are
examples of their commitment to improving their processes with
technology. Generali Hellas prides itself on being a leader in the Greek
insurance industry, and their end-to-end digital process for life insurance was
one of the first of its kind in the country. 

Generali began by integrating OneSpan Sign into their OneView application for
brokers. The integration required only a few weeks. “This was one of the reasons
we chose OneSpan Sign,” explains Antonis Apergis, “Our primary
selection criteria was to be able to seamlessly embed e-signature into our
existing applications. OneSpan Sign provided a simple, yet rich API that allowed
us to quickly integrate into OneView.” 

The workflow begins with initial consent forms that permit the underwriting
process and allow the insurer to ask relevant health questions to inform the
quote. From there, brokers invite the customer and family members covered by
the policy to e-sign the consent forms remotely at their convenience using their
preferred device. From there, Generali processes the quote. Soon after, the
customer receives their quote and policy through email where the customer
can acknowledge and confirm their insurance purchase. 

The digital process proved to be expedient, straightforward, and a prescient
decision by Generali. Initially Generali’s brokers believed that digitizing
these forms would diminish the in-person rapport that the brokers work so
hard to cultivate with customers. Once implemented, the brokers discovered that
the automated process helped them complete signatures faster, reduced
administrative paperwork, and freed their time to focus on bringing in more
business. 

Further, after the COVID-19 pandemic and resulting lockdowns obligated remote
meetings and digital processes, Generali was well positioned to transition to a
digital brokerage team, and brokers benefitted from the electronic signature
solution to help them service their customers without interruption. This ensured
business continuity and became a competitive advantage as other
insurers attempted to spin up their digital processes. 


BROKER USE CASE: COMPLIANCE AND CONVENIENCE

The Insurance Distribution Directive (IDD) regulates the sale of insurance in
the European Union and mandates that brokers provide a level of transparency
when working with customers. Compliance involves signing numerous documents,
including an annual contract agreement between each broker and the insurance
company. E-Signature technology makes it easy for Generali to gather thousands
of signatures from their brokers in a fraction of the time it takes competitors
who are still working with paper. And by using the standalone OneSpan Sign web
service for this use case, Generali was able to automate their broker contract
process immediately. 




THE RESULTS

After a successful deployment, the full team of ~3,000 brokers began to use this
process with their customers. When the government response to the COVID-19
pandemic mandated social distancing and stay-at-home orders, the new digital
process allowed Generali to transition seamlessly to remote work.

In a business environment in which Generali’s competitors saw a serious decrease
in productivity, Generali Hellas implemented digital solutions, including
e-signature, as part of a larger strategy to digitally transform their operation
model. The strategy contributed to Generali strengthening their market position
with an +8% increase in production compared to 2019, steadily growing their
market share at 6%. 

This was especially important during the pandemic where digital solutions
allowed business continuity. Their digital process, enabled by electronic
signature, allowed them to gain ground in a year where others were scrambling to
adjust to the sudden shift to remote operations. 

The digital solution with e-signatures proved so successful, the organization is
planning to expand e-signatures to other products and lines of business as well.
Their brokerage and sales team, happy with the e-signature service, stands to
benefit once again from the increased efficiency and customer experience of an
end-to-end digital process.

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