Electronic Signature Implementation at ING
Driving digital trust and efficiency in real estate transactions
Setting a new standard for digital trust in real estate finance
ING Real Estate Finance (ING REF) achieved a world first by enabling corporate real estate agents to submit property valuation reports in XBRL format, signed with a legally binding Qualified Electronic Signature (QES). This innovation was developed in line with the EU’s eIDAS directive and marks a key milestone in the secure digitalisation of real estate financing.
ING REF and Akkuro Lending enable secure digital signing for real estate valuations
"Akkuro Lending is a well-trusted party in the Netherlands. Topicus has proved itself since 2010. They are a strategic business partner and they understand SBR. They also have people with a deep understanding of XBRL, and are skilled at building with it, which is scarce."


For ING REF, selecting the right technology partner was critical.
"Topicus (Akkuro's parent company) has proved itself since 2010, when it launched the banking hub infrastructure for the Dutch Banking Cooperative (ABN AMRO, ING and Rabobank, at that time). This enabled secure, standardized, and automated credit reports to be sent digitally in eXtensible Business Reporting Language (XBRL). XBRL is the open international standard for digital business reporting."
The collaboration was strengthened by:
- Deep expertise in SBR and XBRL: scarce knowledge essential for this project
- Proven track record: long-term partnership and trusted delivery since 2010
- Teamwork: ability to coordinate complex, multi-stakeholder projects

Qualified electronic signatures represent the highest security level under EU regulation.
Qualified electronic signatures are legally equivalent to handwritten signatures but offer greater security, flexibility and efficiency.
The benefits for ING REF and its clients ahead
1. Legally binding across the EU: recognised in all member states, including Belgium and France
2. Speed and efficiency: multiple signatories can sign simultaneously, without physical meetings
3. Security: based on official ID verification and a live interview, ensuring high assurance
4. Convenience: anytime, anywhere signing with a smartphone app
Looking ahead
With Qualified Electronic Signatures, ING REF has taken a major step in secure digitisation. The ambition is clear: to roll out QES across all client documentation, empowering both ING and its clients with faster, safer, and fully compliant digital transactions.
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