The bank’ s SME, Commercial and Corporate Banking teams, which serve businesses with turnover between £ 500,000( US $ 657,810) and £ 500m( US $ 657.8m), aim to improve customer experience by replacing manual steps with digital workflows.

Before adopting DocuSign, new customers filled out one of 39 editable PDFs, printed and returned them to a branch – taking up to 25 days. Now, a single online form triggers automated checks and approvals, cutting the average onboarding time to two days.

Santander reports a 97 % reduction in forms and an 83 % reduction in time to open an account.

Jonathan Holman, Head of Digital Transformation at Santander Corporate & Commercial, says:“ Collecting signatures while completing front-and back-office processes enables us to offer a customer experience that outperforms even digital-first banks.”

With support from DocuSign’ s team, Santander builds workflows that allow multiple signatories to act simultaneously. DocuSign CLM also integrates with loan platform nCino.

Jonathan adds:“ If we remove 30 % of the time required to negotiate and execute a loan … that time gets channelled back into customer relationships.”

150 January 2026