While you process KYC files, customers walk away.

Customer onboarding in 24 hours - not 12 days.

FLOWNIQ turns paper-based banking processes into end-to-end workflows. For banks and wealth managers. Live in 30 days.

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50+ B2B clients, 8 of them banks across 4 jurisdictions ISO 27001 Live in 30 days

Onboarding flow - private bank

PDF application ingested

Account & securities, agree21

Ready

AI validation & KYC

PEP screening, sanctions lists

Compliance sign-off

Four-eyes, audit-ready

Step 3/4

Qualified e-signature

eIDAS, InSign

QES

Reality check

Three pain points sitting on your desk today.

A KYC review is due. The files are in PDF, the audit hits in 14 days.

An account opening takes 12 business days. Your customers give up after day 3.

Every regulatory update triggers a 4-week change project. You'd rather spend that on sales.

"One advisor. One day. Accounts opened on the Baltic coast and in the Bavarian Alps."

Former Head of Wealth Management, German wealth manager

Audit check

Audit-Ready in 12 questions.

12-question checklist - what your onboarding process must answer for 2026 audits.

Download checklist

Solution

From paper backlog to end-to-end workflow. In four steps.

FLOWNIQ turns every banking process into a digital, audit-ready workflow - from application to qualified e-signature. Drag and drop for the line of business, AI built in, integrated with your existing banking infrastructure.

STEP 01

Upload your existing forms and policies.

Forms, checklists, risk matrices - whatever you have today becomes the baseline. No rebuild from scratch.

STEP 02

Build the workflow in the no-code designer.

Drag and drop, with AI suggestions for every process step. No IT tickets, no waiting.

STEP 03

Integrate into your banking infrastructure.

Core banking (agree21, Avaloq, Temenos), KYC sources, qualified e-signature - via standard interfaces.

STEP 04

Go live - and roll changes yourself.

Regulatory changes or new products your team handles in hours. No IT project.

Case study

German private bank: Account and securities account opening in minutes - integrated via agree21.

30 days from contract to go-live

>90% less manual rework

Minutes instead of weeks for account opening

Within the agree21 infrastructure we've built a location-independent advisor-client onboarding flow. Opening an account and securities account now takes just minutes. End-to-end processes reduce manual rework by over 90%. Go-live after 30 days.

Head of Corporate Development, German private bank (agree21 environment)

The 30-day plan for this case

Day 0

Contract & discovery

Day 10

Workflow built in designer

Day 20

agree21 integration tested

Day 30

Production go-live

Average

These outcomes aren't one-off.

-40% manual work. Headcount unchanged.

Hours instead of weeks to close contracts.

-35% fewer onboarding drop-outs.

Who it's for

Banking and Wealth Management. Four models.

Private Banks

Complex onboarding flows with multiple stakeholders - fully digital, audit-ready.

Client onboarding with PEP screening and compliance sign-off
Repapering for MaRisk and DORA updates
Cross-border accounts across multiple jurisdictions

See solution for Private Banks

Wealth Managers

Location-independent advisor-client flows - from securities account opening to the discretionary mandate.

Securities account and discretionary mandate in one workflow
MiFID suitability profile and risk classification
Advisor-client flow with qualified e-signature

See solution for Wealth Managers

Neobanks

Licence-ready in weeks, not quarters. Scale without new ops headcount.

Self-service onboarding with AI-assisted KYC
Licence application workflows for BaFin and FINMA
Scalable onboarding flows for high application volumes

See solution for Neobanks

Universal Banks

Business and retail processes in one system - branch, web, mobile.

KYB for corporate clients with UBO discovery
Multi-channel onboarding via branch, web, and app
Compliance reviews and recurring checks

See solution for Universal Banks

FAQ

What banks want to know before the demo.

How does FLOWNIQ integrate with our core banking system?

Via standard interfaces and an open API. FLOWNIQ connects in production today with agree21, Avaloq, and Temenos. For proprietary systems we build adapters with you - typically in 2-3 weeks, in parallel with the workflow setup.

How does FLOWNIQ map to MaRisk, DORA, FINMA, and the FCA?

FLOWNIQ is ISO 27001 certified and SOC-2 audited. Every workflow is audit-ready by design - 100% digital records, zero PDF gaps. We deliver the compliance evidence for your specific regulatory framework (MaRisk AT 9, DORA vendor-risk, FINMA circulars, FCA SYSC) in the demo call.

Can we host on-premise?

Yes. FLOWNIQ runs as a managed instance in the EU cloud or your preferred cloud (ISO-27001-certified data centres), or as an on-premise deployment in your own infrastructure. Hybrid setups with on-premise workflow engine and cloud-based designer are particularly common among DACH private banks.

Is 30 days to go-live a best case or a realistic promise?

Realistic - and contractually committable. The 30-day plan is standard for a first productive workflow, typically onboarding or a repapering stream. More complex end-to-end programmes spanning multiple core-system integrations take longer - we tell you that before contract signing, not after.

What does FLOWNIQ cost?

Pricing is usage-based - a fixed setup fee per workflow plus a running licence tied to volume. We give you a concrete quote for your specific use case in the demo call.