In a world defined by the speed and convenience of digital, on-demand services, incumbent banks that rely on manual, paper-based processes are losing business to digital challengers at an alarming rate. While most banks can handle routine customer interactions online, many are still struggling to digitally transform the way business-critical agreements are prepared, signed, acted on, and managed. Whether opening an account, requesting account services, or buying additional products and services, today’s consumer expects efficient, secure processes and personalized, digital experiences. Delivering on those expectations requires a modern system of agreement.