Abstract: A system and method for originating a banking relationship with a bank using at least one electronic communication channel is disclosed. A request is received from a user through a first electronic communication channel wherein the user selects a financial product among a list of different financial products offered by the bank. The user is enabled to send user's information through a second electronic communication channel. The information is received either through the first electronic communication channel or the second electronic communication channel. A validation check is performed on the information and the validated information is processed to check if the user is allowed to access the selected financial product. After processing the information, a reference number for the selected financial product is provided to the user, thereby originating the banking relationship for the user.