Andera, a company that provides software for online bank account opening processes, has created a new feature called the oFlows Platform.

This system eliminates all paper documents from the account opening processes at banks and credit unions by allowing applicants to use the built-in cameras on iPads, iPhones, or Android devices to copy and deliver all supporting documentation electronically. Applicants can also legally sign deposit and loan documents on their mobile and tablet screens, using fingers or styluses instead of pens and paper.

Andera founder and CEO Charles Kroll states that oFlows integrates with many leading systems used by credit unions and banks. According to the company, one benefit of the software it lets branch staff leave their desks, letting them use iPads or other tablets to open accounts and originate loans. Field staff can book business on the road without having to juggle paper applications, clip boards, or scanners.

Outside of the branch, online applicants can open accounts and apply for loans, uploading supporting documents by using the built-in cameras on their mobile devices.