Acceptance Loan Company Case Study

The challenge

ALC needed a secure way to collect and sign loan documents.

Customers from across Alabama and Mississippi were required to visit ALC in person to share, receive, or sign loan documents.

Email was not secure enough for sensitive financial documents, and large file hosting services were not cost-effective for the limited set of services ALC needed. Physical paperwork also created a cumbersome filing process for safekeeping.

The business problem was not simply, "Can customers send us files?"

It was: How do we securely collect, organize, and sign loan documents in a way that fits ALC's process and improves the customer experience?

The workflow looked like this

Collect sensitive documentsLoan officers needed licenses, Social Security numbers, W-2 forms, bank statements, tax returns, and other customer documents.

Sensitive

Require in-person visitsCustomers had to travel to a branch to share, receive, or sign paperwork.

Inconvenient

Avoid insecure emailEmail was not an acceptable way to collect sensitive financial information.

Risky

File physical paperworkLengthy physical documents were cumbersome to store and manage.

Manual

Complete signaturesEven when documents were collected securely, customers still had to come to the office to sign.

Delayed

ALC did not need a generic file-sharing tool or another workaround. They needed a secure document workflow tailored to the way loan officers and customers actually complete applications.

Why it mattered

Loan document sharing needed to be secure and easier for customers.

Loan applications require sensitive information. That makes convenience alone insufficient. The process also has to protect customer data, support internal workflows, and make it easy for loan officers to manage each transaction.

For ALC, the right solution would eliminate insecure email, reduce unnecessary travel, and make document sharing and signing feel easier for both customers and employees.

"Large file hosting services offered more than ALC needed at a cost that did not fit the use case. Email was not secure enough. A custom-tailored DokShare workflow gave ALC a better option."

Acceptance Loan Company Case Study Summary

The solution

A secure DokShare application customized for ALC's loan process

ALC turned to KEYSYS to create an application that allowed secure file uploading, reduced the need for travel, and fit ALC's specific process.

KEYSYS worked with ALC to gather requirements, understand the loan application workflow, and determine which documents needed to be collected. The team then tailored DokShare so loan officers could more easily generate a collaboration space and automatically generate documents based on the needs of each transaction.

DokShare is a secure cloud-based document sharing application built on Amazon Web Services S3 cloud infrastructure. It offers extensive security and compliance and can integrate with Active Directory, DocuSign, and internal shared drives. The technical stack included ASP.NET, .NET Core, AWS, RDS, Lambda, EC2, S3, SQS, and SNS.

Instead of forcing ALC to adapt to a broad file-sharing platform, KEYSYS customized the application around ALC's lending workflow.

Key capabilities

→ Secure cloud-based file uploading
→ AWS S3-based document storage infrastructure
→ Custom collaboration spaces for loan transactions
→ Automatic document generation based on transaction needs
→ DocuSign integration for digital signatures
→ Active Directory and internal shared drive integration capability
→ Reduced reliance on email and in-person document exchange
→ Custom workflow tailored to ALC's specific loan process

How it works now

From branch-dependent paperwork to secure digital document sharing

KEYSYS · ALC DokShare Workflow

Create a collaboration space

Loan officers can generate a secure space for a particular transaction.

Request and collect documents

Customers can upload required documents through a secure application instead of sending them by email or visiting a branch.

Generate transaction-specific documents

DokShare can generate documents automatically based on the needs of each loan transaction.

Sign digitally

DocuSign integration allows clients to sign documents digitally instead of driving to the branch.

What once required in-person document sharing and physical paperwork now runs through a secure, customized document workflow built around ALC's lending process.

The impact

ALC improved the document experience for customers and employees

ALC no longer relies on email or other applications that do not fit its core needs when communicating with clients. With DocuSign integrated into DokShare, clients can digitally sign documents instead of driving to a branch. Overall, DokShare creates a more enjoyable customer and employee journey for document sharing and signing.

Better customer experience

Customers can share documents without unnecessary travel
Digital signatures reduce the need for branch visits

Stronger security

Sensitive documents are no longer sent through insecure email
Secure cloud-based file sharing supports financial document workflows

Better employee workflow

Loan officers can generate collaboration spaces more easily
Transaction-specific document generation reduces manual coordination

Before KEYSYS

In-person document collection and insecure alternatives

Customers had to visit ALC in person to share, receive, or sign documents
Email was not secure enough for sensitive financial information
Large file hosting services were not cost-effective for ALC's needs
Physical paperwork was cumbersome to file and safeguard
Clients still had to drive to the office for signatures

→

After KEYSYS

Secure digital document sharing with DokShare

Customers can upload sensitive documents through a secure application
Loan officers can generate collaboration spaces for specific transactions
DokShare supports automatic document generation based on transaction needs
DocuSign integration allows clients to sign digitally
ALC improves both customer convenience and employee workflow

Ready to Replace In-Person Paperwork With Secure Digital Workflows?

If your team still depends on email, branch visits, or physical paperwork to collect sensitive documents, you may not need another generic file-sharing tool. You may need a secure workflow built around the way your business actually operates.

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