ČSOB Mortgage with Digital Signature and Mortgage zone Qorus-Infosys Finacle Banking Innovation Awards 2025

ČSOB has been providing mortgages for 30 years and continuously works to bring innovative solutions to its clients, making their lives easier and more efficient. Interest in online mortgage arrangement and management is not new, but it significantly increased during the Covid period.

The Mortgage Zone with electronic digital signature represents a revolution in the Czech mortgage market. Clients now have the opportunity to arrange various types of the bank’s mortgage loans easily online, and, upon approval by the bank, even sign them electronically.

The bank also electronically sends the collateral agreement and the proposal for its registration to the Cadastre of Real Estate for processing on behalf of the clients. The platform is also set up to notify users of all important mortgage milestones. Clients can use the platform not only when setting up a mortgage but also during its term, where they can easily adjust, for example, loan disbursements, contact information, and have an overview of all documents in one place at any time.

ČSOB has assembled its own specialized team for this project - IT HUB (IT Architect, BA, SAR, PO, etc.). More details are available in the resources section. Since March 2024 the platform includes the ability to sign mortgage and collateral agreements with a qualified electronic signature of the highest level. Currently, 50 % of the production is already signed with a qualified electronic signature. Clients can easily handle everything on their mobile phone, including obtaining the necessary qualified signature certificate and authorizing the signature through the ČSOB Smart Key application.