In the daily operations of financial institutions, few processes combine as much legal, emotional, and operational weight as inheritance management. Testamentary processing represents a real challenge for banks: it requires legal precision, sensitivity when dealing with beneficiaries, and exhaustive coordination across multiple areas. That’s why, from the Banking Business Innovation unit at MST Holding, we have developed eHereditas, a module within our BBI (Business Banking Innovation) platform, designed to radically transform inheritance management within the banking ecosystem.
What is eHereditas?
eHereditas is one of the flagship modules of BBI, our modular solution aimed at modernizing key banking sector processes. This component has been designed to tackle one of the most complex procedures in any institution’s operations: inheritance and testament management.
Its objective is clear: to turn a cumbersome, fragmented, and costly process into a structured, agile, traceable, and respectful experience.
At such a delicate moment for clients—the loss of a loved one—the bank must balance its role as a legal actor with its responsibility as a close and human institution. eHereditas was created precisely to make that balance possible.
The challenges of traditional testamentary management
Banks face multiple difficulties when handling inheritances:
- Manual and bureaucratic processes, with hundreds of documents to review and validate.
- Lack of coordination between legal, asset, and customer service departments.
- Risk of errors or duplications, which may lead to claims or penalties.
- Excessive processing times, straining the relationship with heirs.
- Lack of communication sensitivity, which can generate a negative experience for families.
Against this reality, eHereditas proposes a technological solution that automates, organizes, and humanizes.
Key features of eHereditas
1. Automation of document reception and validation
The process begins with the collection of the documentation needed to initiate inheritance proceedings. eHereditas integrates OCR (Optical Character Recognition) technology to digitize and classify documents, as well as automatic validation rule engines that detect inconsistencies or missing data from the very start.
This allows:
- A drastic reduction in human errors.
- Faster case file reviews.
- Automatic generation of pending document lists.
- Easier traceability from the beginning of the process.
2. Integrated legal assistance
eHereditas is more than just an operational tool. It also integrates a legal assistance system to guide internal bank users through every step of the process. It includes:
- Customizable legal templates.
- Compliance checklists by jurisdiction.
- Access to remote legal advisory services (optional).
- Dynamic rules that adapt the process to different inheritance scenarios (with/without will, multiple heirs, foreign assets, etc.).
This enables banking teams to act with greater legal certainty and confidence, reducing the risks of legal mistakes or future disputes.
3. Clear and multichannel communication with beneficiaries
In a context as delicate as inheritance, communication with heirs is essential. eHereditas enables a respectful, smooth communication channel tailored to client preferences:
- Automatic notifications via email, SMS, and web.
- Access to a secure heir portal where documents can be uploaded, case status tracked, and questions asked.
- Option to activate video call sessions with specialized managers.
- An auditable, recorded interaction history.
This approach radically improves the end-user experience, offering closeness, transparency, and trust.
4. Agile and traceable asset liquidation
One of the most critical stages of testamentary processing is asset liquidation. eHereditas allows banks to:
- Automatically identify and consolidate the deceased’s assets within the institution.
- Establish distribution plans according to the will or applicable legislation.
- Execute liquidations with full traceability and reporting.
- Coordinate with notaries, lawyers, or other stakeholders.
What once took weeks or months can now be significantly shortened without losing legal rigor or operational control.
Technology, sensitivity, and efficiency: the hallmark of MST Holding
eHereditas is a clear example of MST Holding’s approach: combining advanced technology with a deep understanding of financial sector processes. Our BBI platform doesn’t just digitize tasks—it transforms complex workflows into modern, agile, and human-centered experiences.
This module reflects three principles that guide our Banking Business Innovation:
- Technology with purpose: We automate only where it adds real value, maintaining the human touch where necessary, and allowing clients to know at all times which stage their case is in. Both heirs and bank branches can, with a single click, check the process status.
- Human-centric focus: We understand that every interaction, especially in sensitive processes such as inheritance, must be handled with the utmost care.
- Operational excellence: We design workflows that cut costs, shorten processing times, and improve traceability and compliance.
Real impact: from bottleneck to opportunity for improvement
The first implementations of eHereditas in national banks and savings banks have demonstrated its potential:
- 60% reduction in processing times.
- 70% decrease in document-related errors.
- Significant increase in heir satisfaction.
- Reduced workload for legal and administrative departments.
Furthermore, by turning a traditionally cumbersome process into a structured and efficient experience, banks improve their reputation and strengthen client relationships during a key moment in their lives.
A new standard in testamentary management
With eHereditas, MST Holding proposes a new paradigm for inheritance management in banking: one where operational efficiency, regulatory compliance, and human sensitivity coexist in harmony.
This module is part of our BBI’s commitment to responsible banking innovation. We know that digital transformation in banking is not just about speed or cost reduction, but also about putting people at the center of change.
From now on, inheritance management no longer has to be a traumatic process—neither for clients nor for financial institutions. With eHereditas, MST Holding has developed a solution that brings order, efficiency, sensitivity, and control to one of banking’s most complex procedures. As part of our BBI platform, it represents our commitment to a more modern, more human, and more client-connected banking model.
eHereditas transforms a challenge into an opportunity for excellent service.
Because even in difficult times, the bank can make a difference.
And at MST Holding, we are here to make it possible.