Artea Bank & Ondato Success Story: From Manual Onboarding to a Fast Digital Customer Journey
Artea Bank is a Lithuanian bank serving both private and business customers, combining a strong physical presence with 46 branches across 34 cities and offering convenient on-site and digital banking.
Today, Artea’s customers can begin their relationship with the bank online, reflecting Artea’s ambition to stay close to customers wherever they choose to manage their finances.
Ondato and Artea Bank have worked together since 2021, when Artea was still operating under the name “Šiaulių Bankas”. The name was changed to “Artea Bank” in May 2025 as part of a broader group rebrand.
This is the story of how Ondato helped Artea Bank bring its onboarding online without compromising the compliance standards that protect both the bank and its customers.
The Challenge
Before working with Ondato, Artea Bank did not have a remote onboarding process.
That meant becoming a customer involved more friction and less flexibility. For the bank, verification and compliance processes required more manual work, limiting how quickly customers could be identified, assessed, and onboarded.
Artea wanted to change that and move onboarding beyond the physical branch.
But creating remote onboarding in a highly regulated industry is not simply a matter of putting an application form online.
The bank needed to perform identity verification (IDV) and document checks reliably, conduct appropriate Anti-Money Laundering (AML) and database screening, handle business customers through Know Your Business (KYB) checks, and maintain the standards expected of a regulated financial institution.
Artea Bank decided to find a solution that would ensure strong compliance on the bank’s side and fast, convenient onboarding on the customer’s side.
The Selection
When evaluating potential partners, Artea was looking for a solution that could support two priorities at once: rigorous compliance and a customer journey that remained fast and convenient.
Document verification quality was particularly important, as was the ability to integrate screening into the onboarding process. Together with Ondato’s identity and business verification capabilities, this gave Artea the foundation for a more connected digital onboarding journey.
As Artea Bank explained:
“When selecting a partner, our key priority was to find a solution that would ensure a high level of compliance while providing a fast and convenient customer onboarding process. We chose Ondato due to the quality of its document verification process and the integration of its screening capabilities.”
That combination of reliable verification, integrated screening, and a smoother customer experience ultimately made Ondato the right fit.
The Implementation
The implementation process involved close collaboration between Ondato and Artea specialists to make sure the solution worked not just technically, but also operationally and from a regulatory perspective.
Of course, as with any transformation involving banking infrastructure and compliance, there were challenges along the way. The teams worked through them together, adapting the solution to Artea’s business needs and regulatory requirements.
And the change was significant.
Ondato’s IDV, KYB, document verification, and database screening solutions were successfully integrated into Artea Bank’s digital onboarding processes for both individual and business customers.
The Result
One of the most obvious results of the Ondato-Artea partnership was creating a more connected digital onboarding process, which allowed the bank to serve customers more quickly and efficiently.
Automated identity verification, document verification, and database screening have reduced the manual workload associated with customer verification.
And what about the bank’s customers? The difference was equally important. Not only has onboarding become faster, but it can now be completed digitally – no need to repeatedly provide the same information or documents.
Artea’s current online journey reflects that shift: the bank’s private customers can onboard remotely, using a smartphone and ID.
For the bank, automation also supports greater consistency as onboarding volumes grow. Customer and business identification, risk assessment, and screening can be incorporated into repeatable processes aligned with AML and KYC requirements rather than increasing manual work at the same rate as customer demand.
To sum up, the overall results are:
- Faster customer identity verification and onboarding
- Automated IDV, document verification, and database screening
- Less manual work on routine verification tasks
- A smoother digital experience for individual and business customers
- A scalable onboarding process designed around AML and KYC requirements
What started as a need to introduce remote onboarding has developed into a long-term partnership supporting Artea Bank’s wider digital customer journey.
Beyond the Technology: A Long-term Partnership
The strongest partnerships are built around a shared direction. Over the years, Artea Bank and Ondato have developed a way of working that goes beyond implementation, with both teams moving towards the same goal and adapting together as the business evolves.
Here is how Artea Bank summed up the story of its partnership with Ondato:
“We value not only the technological capabilities but also the partnership approach – responsive communication, the ability to react quickly to our needs, and a continuous focus on our business objectives. Ondato has become an important partner in helping us effectively digitize our processes and support sustainable business growth.”
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If your business is navigating similar challenges around identity verification, anti-money laundering screening, age verification, or compliance at scale, Ondato can help.
Get in touch to explore how we can support your growth while keeping your users safe.
