Abstract: A system for on-line enrolment includes an application server for controlling and communicating with an end-user and an institution with which the end-user desires to enroll. The application server has an evaluation service for providing workflow and logic in accordance with the institution's business criteria. When initiated by an end-user a management server determines and downloads appropriate client software to the end-user, which includes a signing agent, that allows the end-user to digitally sign the business agreements needed to complete an account enrolment with an institution such as a bank, stock broker or other financial institution. A verification service authenticates information provided by the end-user. A certificate service sends a digital certificate to an end-user. An evaluation service receives a digitally signed electronic business agreement from the end-user to complete enrolment of the end-user and forms a complete enrolment package.