Published by Gbaf News
Posted on August 16, 2018
6 min readLast updated: January 21, 2026
Innovative digital document sharing solution reduces time, costs and more than 7 million pieces of paper per year
The UK’s first completely paperless mortgage process has been launched by Royal Bank of Scotland Group (RBS), powered by Vizolution.
Since its launch in 2018 it has exceeded all expectations for both the bank and its customers.
Available at RBS, NatWest and Ulster Bank, the latest technology, DigiDocs, which is powered by two of Vizolution’s flagship solutions, vDoc and vScreen, allows bank customers to complete their mortgage application journey digitally, wherever they are.
Historically, the mortgage application journey was a long, complex process, requiring multiple touchpoints, numerous stages of compliance, and the potential for many break points. In addition, the mortgage process required copious amounts of documents which were typically provided by the customer in the branch or by post. This was not only time-consuming and frustrating for the customer, but also expensive for the bank.
Using DigiDocs, bank customers can securely upload documents to the bank’s online DigiDocs portal. In addition, the bank’s mortgage agents can connect with customers remotely using Vizolution’s screen sharing technology (vScreen) to guide them through the mortgage journey.
As a result, RBS has reduced the mortgage process for their customers by an average of 11 days, with around 5% of customers even receiving a mortgage offer within 24 hours, and the majority of the rest within 14 days. The new paperless mortgage process has delighted customers, resulting in a Net Promoter Score (NPS) of 79 for Q1 2018. The DigiDocs portal is currently facilitating over £1 billion of loans every month.
In addition, by using DigiDocs, RBS will save an estimated 7 million sheets of printed paper per year, contributing to significant savings, alongside other reduced costs associated with the entirely online process.
Ian McLaughlin, Managing Director of Home Buying and Ownership at RBS said: “DigiDocs has allowed RBS to introduce a transformative, unique approach to our mortgage process. The rate of adoption has been outstanding and shows the appetite our customers have for digital solutions that are quicker, easier and more convenient to use. All those benefits combined have contributed to NatWest now holding the #1 NPS score for Apply and Set up of a mortgage.”
Mortgage customers report improved convenience and ease of the new process, with one user, an army captain based overseas, stating he was able to secure a mortgage without the added cost and hassle of flying back to the UK to visit a branch.
Bill Safran, CEO of Vizolution said: “We are very excited by the results that RBS has generated for its customers using DigiDocs, which is powered by Vizolution’svDoc and vScreen solutions. RBS has shown what is possible by a forward-thinking bank that puts the customer at the centre of their business model. RBS has not only streamlined the mortgage process through the elimination of paper but are also providing a better advice process to their customers through advanced screen sharing. The customer satisfaction score that RBS has achieved sets a new standard in the mortgage market that others will need to chase.”
Innovative digital document sharing solution reduces time, costs and more than 7 million pieces of paper per year
The UK’s first completely paperless mortgage process has been launched by Royal Bank of Scotland Group (RBS), powered by Vizolution.
Since its launch in 2018 it has exceeded all expectations for both the bank and its customers.
Available at RBS, NatWest and Ulster Bank, the latest technology, DigiDocs, which is powered by two of Vizolution’s flagship solutions, vDoc and vScreen, allows bank customers to complete their mortgage application journey digitally, wherever they are.
Historically, the mortgage application journey was a long, complex process, requiring multiple touchpoints, numerous stages of compliance, and the potential for many break points. In addition, the mortgage process required copious amounts of documents which were typically provided by the customer in the branch or by post. This was not only time-consuming and frustrating for the customer, but also expensive for the bank.
Using DigiDocs, bank customers can securely upload documents to the bank’s online DigiDocs portal. In addition, the bank’s mortgage agents can connect with customers remotely using Vizolution’s screen sharing technology (vScreen) to guide them through the mortgage journey.
As a result, RBS has reduced the mortgage process for their customers by an average of 11 days, with around 5% of customers even receiving a mortgage offer within 24 hours, and the majority of the rest within 14 days. The new paperless mortgage process has delighted customers, resulting in a Net Promoter Score (NPS) of 79 for Q1 2018. The DigiDocs portal is currently facilitating over £1 billion of loans every month.
In addition, by using DigiDocs, RBS will save an estimated 7 million sheets of printed paper per year, contributing to significant savings, alongside other reduced costs associated with the entirely online process.
Ian McLaughlin, Managing Director of Home Buying and Ownership at RBS said: “DigiDocs has allowed RBS to introduce a transformative, unique approach to our mortgage process. The rate of adoption has been outstanding and shows the appetite our customers have for digital solutions that are quicker, easier and more convenient to use. All those benefits combined have contributed to NatWest now holding the #1 NPS score for Apply and Set up of a mortgage.”
Mortgage customers report improved convenience and ease of the new process, with one user, an army captain based overseas, stating he was able to secure a mortgage without the added cost and hassle of flying back to the UK to visit a branch.
Bill Safran, CEO of Vizolution said: “We are very excited by the results that RBS has generated for its customers using DigiDocs, which is powered by Vizolution’svDoc and vScreen solutions. RBS has shown what is possible by a forward-thinking bank that puts the customer at the centre of their business model. RBS has not only streamlined the mortgage process through the elimination of paper but are also providing a better advice process to their customers through advanced screen sharing. The customer satisfaction score that RBS has achieved sets a new standard in the mortgage market that others will need to chase.”
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