Abstract: Apparatus and methods for incentivizing adoption of paperless transactions by customers through a correspondence data hub are provided. The correspondence data hub may receive incoming and outgoing communications between a customer and an entity. The correspondence data hub may pre-process the communications and convert each communication to a single format. The correspondence data hub may analyze the communications and create a correspondence plan. The correspondence plan may include one or more benefits to the customer of opting in to paperless transactions. Some or all actions by the correspondence data hub may be recorded in a database. The correspondence plan may be implemented by the correspondence data hub.

Abstract: An orchestrated services layer system for a multi-tier architecture is provided. The system may include an electronic signature application programming interface (API) and an electronic signature framework. The API may receive a request for electronic signature relating to a specific transaction. The request may include an identi-authenti object that authenticates and identifies a customer, customer identification data and transaction data. The API may retrieve a template associated with the transaction data. The API may transfer the request, or a portion of the request and the template to a framework. The framework may prepare a document-to-sign by adding personalized customer information to the document, selecting a type of electronic signature and adding signature tags to the document. The framework may return the ready-to-sign document to the API. The API may forward, for signature, the ready-to-sign document to a channel associated with the customer.