BankMail

BankMail positions itself as a fintech enterprise focused on providing a secure, authenticated digital correspondence system integrated within electronic banking platforms. The company's core offering is an electronic mailbox designed for the exchange of official documents, such as contracts, statements, and official notices, between individuals, companies, and public institutions.

The system was co-founded by Michał Olszewski, who also serves as the company's President. Olszewski's background includes a tenure as the president of SkyCash Poland from 2009 to 2013 and participation in an advisory team for Poland's Ministry of Digital Affairs concerning e-delivery, providing relevant experience in the digital payments and public sector digitization landscape. By late 2017, the company announced its system was technologically ready and awaiting implementation by banking partners. A significant milestone was achieved in March 2018 when BankMail secured an institutional investor, with a fund managed by OPOKA TFI acquiring new shares in the venture.

BankMail's business model hinges on leveraging the existing trust and security infrastructure of online banking to verify user identity. The service allows a user, once authenticated through their bank's portal, to send any document with an electronic signature to a recipient without needing their specific email address, ensuring confirmed delivery and read receipts. The platform functions as a permanent digital archive for all sent and received documents of legal significance. Security is a cornerstone of the service, utilizing a combination of encryption technologies and the involvement of a trusted third party approved by the National Bank of Poland, ensuring that no single entity—not BankMail, the user's bank, or the encryption provider—has the complete set of keys to decrypt user data. The system is designed to comply with the EU's eIDAS regulation for electronic identification and trust services.

The target market includes both retail banking customers and business clients who require a legally sound method for remote contract execution, delivery of official notices, and confirmed receipt of invoices or digital goods. Initially, BankMail aimed to provide banks with a solution for the 'durable medium' requirement for communicating with clients, though it was not selected in a test group by the Polish Bank Association. The company has since focused on the broader application of digital signatures and certified e-delivery services.

Keywords: secure digital mail, authenticated correspondence, eIDAS compliance, electronic signature, digital document delivery, fintech Poland, bank-integrated services, certified e-delivery, Michał Olszewski, OPOKA Ventures, digital archive, legally binding documents, secure messaging, electronic document exchange, trust services, remote contract signing, e-invoicing, durable medium, financial technology