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New Solution Designed To Further E-Signing

IMM, a provider of eSignature and eTransaction Management for financial institutions, and Ascensus, the nation’s largest independent retirement and college savings services provider, announced the official launch of their collaborative solution: IRAdirect eSign. Here’s the scoop:

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The initial Ascensus rollout provides more than 3,600 financial institutions access to the newly enhanced product. IRAdirect eSign enables institutions to eliminate paper documents, reduce operational expenses, and provide customers a more streamlined, secure, and convenient process for signing IRA, HSA, and other important forms.

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“Allowing account holders to electronically sign documents from the branch location that is most convenient builds loyalty and gives our customers an advantage in today’s increasingly competitive market,” said Steve Christenson, Ascensus’ executive vice president of retirement and health services. “We are pleased to collaborate with IMM to provide our customers with a proven solution that not only reduces costs and drives efficiencies throughout the organization, but more importantly, helps financial institutions better serve their customers.”

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Electronic transaction processing improves security and helps financial institutions be compliant with regulatory demands. IRAdirect eSign easily integrates with an institution’s existing technology platform. This is essential because it supports business processes and systems already in place. Additionally, with IRAdirect eSign, financial institutions can quickly and accurately complete customer transactions, enabling the account holder to electronically sign documents from any branch location.

According to IMM Executive Vice President John Levy, “The financial services industry is shifting as more day-to-day processes become automated, leveraging digital technologies to streamline traditional paper-based processes. This digital transformation helps organizations control costs and better meet the needs of an increasingly mobile consumer base that expects and often demands faster processing. Our partnership with Ascensus is exciting because together we’re providing a solution that meets the customer’s needs, while ensuring compliance, improving security, and driving down costs. These are the goals we strive for as a company.”

About The Author

Tony Garritano
Tony Garritano is chairman and founder at PROGRESS in Lending Association. As a speaker Tony has worked hard to inform executives about how technology should be a tool used to further business objectives. For over 10 years he has worked as a journalist, researcher and speaker in the mortgage technology space. Starting this association was the next step for someone like Tony, who has dedicated his career to providing mortgage executives with the information needed to make informed technology decisions. He can be reached via e-mail at tony@progressinlending.com.

The Movement Away From Paper Closing Continues

Equity National Title (Equity) recently collaborated with Mid America Mortgage to conduct three e-Closings, including one in Austin, Texas. Equity is a national title/settlement agent offering a full array of title and settlement solutions for mortgage lenders, home builders and Realtors.  Mid America Mortgage is a multi-state, full-service mortgage lender serving consumers and mortgage originators through its retail, wholesale and correspondent channels.

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The e-closing process, which did accommodate the “wet signing” of certain documents before a notary as required by state law, allowed the home buyers to review all pertinent closing forms online well before the scheduled closing.  The homebuyers were also able to “e-sign” all documents not bound by state law to be physically “wet-signed” in person. Post-closing and recording of the deed were part of the digital process as well.

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Jamie Edelen, 27, a first-time homebuyer in Austin, Texas, had been warned by friends to expect the worst at closing.  He was regaled with an ample list of horror stories in advance. But he found reality to be quite different.

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“The actual closing took ten minutes.  My Realtor said it was the fastest she had ever seen in her career. I was able to review the documents in advance from work at lunch time.  I actually reviewed and signed a few of the documents on my phone while in line at a Subway.” Edelen said that he signed “a few” documents in person at the office of the closing agent (those documents required to be physically signed before a notary by Texas law), but that most of the heavy lifting took place prior to the actual closing. When advised that not all mortgage lenders have e-closing capabilities, he responded “E-Closings make perfect sense.  Why wouldn’t you have them?”

“Although we’ve been talking about it for years, the e-Closing is here,” said James K. O’Donnell, Esq.; President of Equity National Title.  “In this case, Equity was quickly able to acclimate itself with Mid America Mortgage’s requirements, including its electronic document preparation provider, and execute a perfect settlement for the buyer.”

O’Donnell believes that e-closings will quickly become the standard, and that before long, settlement services firms will no longer have the option of an all-paper closing. “Right now, a rapidly growing number of the closings Equity is doing are e-closings. We project that number will only be going up…and quickly. We are ready for them, and we don’t believe the e-closing will be a ‘nice-to-have’ option for long.”

Owner and CEO of Mid America Mortgage, Jeff Bode, said he believes e-closings are going to play a crucial role in lenders’ ability to meet the Consumer Financial Protection Bureau’s expectations. “Mid America has been performing e-closings throughout our entire retail division, and our customers have really embraced the process,” Bode said. “Both our borrowers and our referral sources have expressed their appreciation for the quick funding of the loan, and with the CFPB’s focus on improving the borrower experience, it’s hard to imagine why more lenders haven’t embraced e-closings.”

About The Author

Tony Garritano
Tony Garritano is chairman and founder at PROGRESS in Lending Association. As a speaker Tony has worked hard to inform executives about how technology should be a tool used to further business objectives. For over 10 years he has worked as a journalist, researcher and speaker in the mortgage technology space. Starting this association was the next step for someone like Tony, who has dedicated his career to providing mortgage executives with the information needed to make informed technology decisions. He can be reached via e-mail at tony@progressinlending.com.

ESRA Welcomes New Members

The Electronic Signature and Records Association (ESRA), the premier trade association representing electronic signature and records adopters and providers, welcomes Wolters Kluwer, Advanced Data and Nationwide Signing Services to its organization. ESRA’s membership growth reflects the overall acknowledgment of the critical role electronic processes continue to play in enabling fully-digital business transactions, efficiency and data management across most industries.

“Companies want the safest, most secure way of transacting business between their customers and business partners,” said John Levy, chairman of ESRA and executive vice president of IMM. “This is one of the primary reasons the interest in eSignatures and eRecords has grown. Being compliant with existing and new regulations and legislation is another catalyst for the increase.”

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“The electronic signature and records market is changing rapidly as it evolves to digital transactions, and ESRA provides us a forum to track and influence the legal, technology and business drivers in this market,” said eSignLive by VASCO Vice President of Product Strategy and longtime ESRA board member Michael Laurie. “It’s in part through this evolution that we’ve seen growing interest in eSignatures globally.”

ESRA membership is open to individual companies as well as trade associations and organizations across any business vertical, including financial services, mortgage, automotive, healthcare, government, insurance and more. Members receive the latest news on trends and regulatory updates regarding eSignatures and eRecords and the opportunity to become involved in various public policy initiatives. Additionally, members are invited to bi-annual, member-only meetings, which have featured speakers from the Consumer Financial Protection Bureau (CFPB), the Office of the Comptroller of the Currency (OCC), the Internal Revenue Service (IRS), Fannie Mae and Freddie Mac among many others.

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Participating in ESRA-hosted events throughout the year also enables members to understand the prevailing eSignature and digital process initiatives to better direct their organizations’ efforts accordingly.

“Our members are focused on ushering in a new age of eSignatures, eRecords and related data management that will allow businesses to operate more efficiently as they prepare, send, sign and manage documents electronically,” said Elizabeth S. McClure, ESRA secretary and general counsel at eOriginal. “Members find that collaborating on best practices as well as sharing knowledge and experience in eSignatures and eRecords provides the best opportunity to remain informed and participate effectively with those on the forefront of this rapidly evolving area of business transformation.”

About The Author

[author_bio]

Tony Garritano
Tony Garritano is chairman and founder at PROGRESS in Lending Association. As a speaker Tony has worked hard to inform executives about how technology should be a tool used to further business objectives. For over 10 years he has worked as a journalist, researcher and speaker in the mortgage technology space. Starting this association was the next step for someone like Tony, who has dedicated his career to providing mortgage executives with the information needed to make informed technology decisions. He can be reached via e-mail at tony@progressinlending.com.

E-Signing Is Becoming A Priority

The Electronic Signature and Records Association (ESRA), the premier trade association representing electronic signature adopters and providers, recently welcomed several new members including Citibank, Communication Intelligence Corporation (CIC), Corporation Service Company (CSC), Decision Dynamics Corporation, DocuTech and ViewSonic.

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ESRA’s new members range from financial institutions like Citibank, to innovative technology providers such as CIC, a leading supplier of electronic signature solutions for the financial industry and a recognized leader in biometric signature verification.

“Continually improving our customers’ experience is a key objective at Citi,” said Gary Herzfeld, Core Operations Managing Director at Citibank. “We believe that electronic signatures and records will help our customers make transactions faster, more efficient and secure. We are glad to be part of an organization that drives policies related to these practices to further their adoption.”

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ESRA membership is open to organizations and trade associations across any vertical. Members receive access to the latest news and regulatory updates regarding electronic signatures and records as well as the opportunity to become involved in various public policy initiatives. Participating in ESRA-hosted events throughout the year also enables members to understand the prevailing eSignature initiatives to better direct their organizations’ efforts accordingly. Most recently, ESRA board members visited the U.S. Capitol to discuss the adoption of electronic signatures and records while developing relationships with various members of congress and staff discussing various public policy initiatives.

“The future of electronic signatures is here, as preparing, sending, signing and managing documents electronically has become a necessity in today’s business world ,” said Steve Bisbee, membership chair for ESRA and president and CEO of eOriginal.” ESRA’s growing membership is a true testament to the increasing desire among businesses to learn how they can apply e-signatures within their organizations. ESRA empowers them to understand the laws associated with their particular industry, the applicable best practices and to become familiar with the most innovative technology providers.”

These and other new members will join longstanding members at ESRA’s Summer Members Meeting on Tuesday, Aug. 11 in Chicago. Membership across several industries—financial services, mortgage, insurance, automotive, healthcare, government and more—will gather to share business cases, applications and public policy updates surrounding e-signatures and records.

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Ellie Mae Forms Partnership To Embrace Electronic Signing

Ellie Mae has partnered with DocuSign, Inc. (DocuSign) to deliver electronic signature capabilities to its mortgage lender clients. Ellie Mae and DocuSign will work collaboratively to integrate DocuSign’s Digital Transaction Management (DTM) platform into Encompass, Ellie Mae’s all-in-one mortgage management solution, allowing its clients to create an easy, efficient and secure all-digital signing process for their home-buying clients.

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“DocuSign shares Ellie Mae’s goal of helping lenders achieve the highest level of compliance, loan quality and efficiency in the mortgage process,” said Joe Tyrrell, executive vice president at Ellie Mae. “As a leading provider of digital signature technology, DocuSign is a natural partner to help us further innovate eSignature capabilities in our industry. DocuSign’s relationship as the exclusive electronic signature provider of the National Association of Realtors (NAR) allows our clients and the real estate community to jointly bring consistency to the consumer experience throughout the entire home buying process.”

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“We’re pleased to have Ellie Mae as part of the DocuSign Global Trust Network,” said Tom Gonser, DocuSign founder and chief strategy officer. “For years, Ellie Mae has transformed the mortgage industry by eliminating the reams of paper that plague traditional loan processes. We look forward to working with Ellie Mae to deliver a superior digital signing experience to the mortgage industry.”

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The Place For Thought Leaders And Visionaries

Our Industry Has Reached A Tipping Point

You may think that eSignature usage in the mortgage space is slow, but it is picking up quickly. How do I know that? Vendors that offer this technology are seeing their lender clients use it. For example, DocMagic announced today that its eSign platforms have  now processed more than 100 million mortgage-related eSignature transactions.

“We are very pleased with the sheer number of eSignatures that we are seeing executed among our client base,” said Dominic Iannitti, president and CEO of DocMagic.  “This is positive news for the mortgage industry as a whole. In previous years, eSign adoption was much lower among lenders working with borrowers. We have always encouraged clients to take advantage of our eSigning technology; this impressive number of transactions certainly reflects that.”

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DocMagic is the undisputed leader in the mortgage industry for eSign technologies. The company has a long-standing reputation for developing innovative eSign solutions that integrate seamlessly with mortgage workflows.

DocMagic has two eSign solutions for clients to take advantage of.  eSignSystems’ SmartSAFE XL eSigning, eDelivery and eVaulting platform was added to the DocMagic family in 2014. DocMagic’s eSign platform is a separate SaaS-based solution that features the company’s proprietary ClickSign™ technology. SmartSAFE XL is ideal for companies that require more flexibility, extendibility and control over eSigning processes. DocMagic’s eSign technology is highly intuitive, simple to setup, and walks signers through the entire document review process to efficiently, expeditiously and compliantly submit eSignatures.

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Notable is that in 2011, in an effort to encourage industry-wide adoption of eSignatures, DocMagic made its eSign technology available to anyone to sign any type of document at no charge.  Users can visit DocMagic’s website to quickly and easily eSign documents such as contracts, NDAs, proposals and more.

Documents executed using DocMagic’s eSign technology are as legally effective, valid and enforceable as documents printed and signed in ink.

About The Author

[author_bio]

Tony Garritano
Tony Garritano is chairman and founder at PROGRESS in Lending Association. As a speaker Tony has worked hard to inform executives about how technology should be a tool used to further business objectives. For over 10 years he has worked as a journalist, researcher and speaker in the mortgage technology space. Starting this association was the next step for someone like Tony, who has dedicated his career to providing mortgage executives with the information needed to make informed technology decisions. He can be reached via e-mail at tony@progressinlending.com.

A More Sophisticated E-Signing Strategy

As electronic signing adoption continues to evolve, so have the technologies that lenders can use to embrace this time- and money-saving strategy. For example, eSignSystems, a division of DocMagic, has launched its new SmartSAFE XL platform that marries sophisticated functionality with elegant simplicity, resulting in a highly intuitive e-signature process. Here’s the scoop:

Benefits of the new application include greater scalability, increased transaction volume, and a simplified user interface, resulting in a very smooth and intuitive process.

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SmartSAFE XL is a complete modernization of prior versions of the SmartSAFE interface and infrastructure. The new codebase has been redesigned using Microsoft technologies such as ASP.NET MVC 5.0 and Entity Framework 6 as well as HTML 5. The search fields are smarter, and modifications to participants and annotations can be done on-the-fly.

“Users of SmartSAFE XL will experience a clean and intuitive user experience in the management of documents and SigningRooms, increased workflow efficiencies, and streamlined administration of the system, making SmartSAFE XL one of the most robust and powerful eSignature and eVaulting solutions on the market,” said Kelly Purcell, EVP of sales and marketing at eSignSystems. “The new platform is ideal for companies that require more flexibility, extendibility and control over their eSign processes.”

SmartSAFE XL provides a centralized, user-friendly interface to prepare documents and establish “SigningRooms” for anything a user may want to electronically have signed, from loan documents to functional areas such as sales departments to contracts and NDAs, human resource departments for employee paperwork and benefits, in-house legal departments, partner networks, and more.

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The platform is completely secure and provides legally-binding audit trails that are automatically initiated, collected and retained for the lifetime of the electronic record.

SmartSAFE XL is fully compliant with the Uniform Electronic Transaction Act (UETA), Revised Article 9 of the UCC, ESIGN, The Electronic Signatures in Global and National Commerce Act, ESIGN, and Federal ESIGN eSignature and eRecord retention laws as well as international governance bodies such as the EU Electronic Signatures Directive.

“eSignSystems has been very successful in helping companies of all types leverage electronic signatures within their operational workflows,” said Dominic Iannitti, president and CEO of DocMagic, Inc., which acquired eSignSystems last year. “The launch of SmartSAFE XL takes eSigning to the next level for organizations that have specific needs for more customizable eSigning solutions.”

Progress In Lending
The Place For Thought Leaders And Visionaries

Will Integrated Disclosures Push E-Signatures Forward?

Mass adoption of e-signing has been the white whale for innovators in the mortgage industry for years, decades even. Now, with the Truth in Lending/Real Estate Settlement Procedures Act (TILA/RESPA) integrated disclosure requirements going into effect in August, electronic documents, signatures and transactions are going to have a significant advantage for the borrower and the lender alike.

Why will this specific compliance requirement finally push eSignatures forward? By embracing digital documents, the opportunity exists to streamline and refine the disclosure process leveraging electronic document technology to improve compliance reporting, reduce paper expenses and better meet the needs of borrowers who embrace digital documents.

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Reducing Defects, Cutting Time with Electronic Disclosures

The most important benefit of electronic transactions from a compliance standpoint is data integrity. Since an e-disclosure is accessible to all service providers in the mortgage chain, changes made in the system of record are automatically applied to the documents. It is impossible with an electronic transaction to have the data from the loan file be different from the data on the documents. This eliminates the number one source for loan defects.

From a legal perspective, the electronic documents offer more protection than paper documents. As the borrower reviews every page of the document, the system can keep a record of how long each page is viewed, verify signatures, and ensure files are opened and returned.

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From a time and cost-savings perspective, electronic documents also enable lenders to eliminate a large percentage of the manual effort of handling, processing and checking paper documents.

The new closing disclosure will be one of the most time-intensive parts of the mortgage workflow after August 1st of this year. Due to the timing requirements of the RESPA/TILA law, lenders must allow between six to eight days if using paper documents in advance of the closing.

If the documents are sent electronically and the borrower consents to receive them electronically, lenders can save up to three days off of that lead-time. There’s also value to the borrower due to having access to documents instantaneously and having more time to review.

Last but not least, e-disclosures cost lenders less money. Integrating all the documents into one digital platform will reduce the need for the expensive transportation, filing and storage services needed by paper disclosures. Decreased time in the process means less money spent on each loan.

Despite rumors to the contrary, lenders should not expect a delay or extension on the deadline. The new laws provide a natural incentive to look at adopting more electronic documents and signatures into the workflow. Now is the time for lenders to begin upgrading systems and offering electronic solutions to accommodate borrowers before the reform that goes into effect on August 1.

About The Author

[author_bio]

Scott K. Stucky is Chief Strategy Officer of Idaho Falls, Idaho-based DocuTech Corp. Since 1991, DocuTech has provided compliance services and documentation technology for the mortgage industry. DocuTech's software interfaces with leading loan origination systems (LOS) and enables mortgage professionals to generate documents locally. DocuTech manages and secures all information needed for a loan, guaranteeing accuracy, security and compliance. Stucky can be reached at scotts@docutechcorp.com. You can also learn more about DocuTech online at www.docutechcorp.com or on Twitter at @DocuTech.

A More Convenient Mortgage Process

We hear continual discussion around the automation of mortgage lending processes, but widely understand that a fully online, or e-mortgage process, is still a ways off. Despite the complexities that continue to hinder the e-mortgage from becoming a reality, many industry organizations have made significant strides to move away from paper-based processes and wet signatures and enter the digital present. This effort is largely driven by the fact that electronic transactions are much more prevalent in our daily lives, whether this means signing a document or paying a grocery bill. The use of an electronic signature pad at a cash register has become common for most, and now with Apple’s iPay and other payment technologies, it has become ubiquitous. As consumers enlist more technology tools, devices and apps to make their lives easier, they will expect the same level of convenience when it comes to the lending process – making these efforts to adapt all the more important.

The complexities of the mortgage industry and today’s era of compliance have certainly added challenges to the adoption of electronic, paperless processes, and understandably so. Many organizations have taken on the mindset that a single document that requires a wet signature poses the risk to perpetuate the paper process. For example, the Social Security Administration still requires a wet signature on the SSA-89. However, the industry as a whole should be motivated by the acceptance of electronic signatures by key parties in the industry, such as investors, the Internal Revenue Service (IRS), the Federal Housing Administration (FHA), United States Department of Agriculture (USDA)/Rural Housing Service (RHS), and Department of Veterans Affairs (VA).

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Many industry participants are beginning to see that electronic documents and signatures actually promote security and compliance rather than add risk. The Consumer Financial Protection Bureau’s deployment of its mortgage eClosing pilot earlier this year seeks to assess the true value of electronic processes within the closing process. The hope is that this pilot will further exemplify and support the value of automation for lenders needing to provide proof of consent and delivery to remain compliant. Additionally, when timeframes for delivery are required for certain documents in the origination process, the use of electronic signatures will make compliance a seamless process.

One of the primary security considerations mortgage companies are making when it comes to e-signature technology is third party authentication. It is critical to ensure that electronic documents are signed by the right people at the correct times (or in the correct order), including additional parties involved in the process outside of the borrower and the lender, such as notaries. To eliminate signature verification concerns, a system should be more than a basic signature field overlay; to reduce fraud, electronic signatures must be physically embedded (with a tamper-evident seal) into the document and capable of being systematically verified and validated. Lastly, all related data and an audit trail need to be embedded, following every document to provide evidence of who took which action on each form. In addition to the lenders, due to their own compliance concerns, investors are requiring this electronic proof as well to pass future audits.

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These concerns are not going unnoticed, but technology providers and other industry organizations are making a significant effort to address them in various ways. Any technology enlisted should first and foremost ensure that all legal documents are tamper-evident sealed and e-signed within a secure SSAE-16 environment. Also, delivery of the documents simply via email is not enough; encrypted security should be wrapped around documents to authenticate both the sender and recipient and fully track the delivery.  Finally, a true eClosing will require an eVault to ensure the security, sanctity and integrity of the data, documents, signatures and security wrappers.

The beauty of electronic signature is that from initial application all the way to delivery, there is a virtual date and time stamped audit trail marking every significant event in the mortgage process. It is extremely difficult to replicate a paper trial this detailed, where misplaced documents, missing pages and signatures are still commonplace and endemic.

As electronic signature and records become more prevalent, there is no doubt of their need in the business world, and in particular, the mortgage industry. The technology is in place. The need is evident. And the desire is there from both consumers and industry professionals. In 10 years I believe we will see more than 85 percent of mortgages being completed electronically for many reasons, including compliance, convenience and consumer preference. With the amount of time all mortgage companies have invested in updating their processes, policies and technology to accommodate the ever-changing landscape, the establishment of a true e-mortgage, used across the board, would certainly prove beneficial for everyone.

About The Author

[author_bio]

Melanie Feliciano is a 2014 voluntary board member for the Electronic Signature and Records Association (ESRA), the premier trade association representing electronic signature adopters and providers, She is chief legal officer for Carson, Calif.-based DocMagic, Inc., a provider of solutions for the national mortgage industry’s most pressing document production needs. In her role as chief legal officer, she manages the Legal and Compliance Department, oversees, negotiates, and prepares various agreements involving DocMagic’s customers and strategic partners; manages DocMagic’s risk; and handles legal matters.

A New E-Signature Player Emerges

Kofax has launched SignDoc, a family of e-signature solutions. SignDoc includes highly scalable, enterprise-ready software to satisfy organizations’ growing e-signature requirements. With SignDoc, businesses and government agencies large and small can implement e-signature capabilities into virtually any business process across their entire organization for internal or external use.

SignDoc Standard is a stand-alone solution providing versatile self service capabilities, so users can design, deploy and manage custom e-signing workflows. SignDoc Enterprise enables organizations to design, deploy and manage custom e-signing workflows and embed advanced e-signature capabilities within a host of enterprise applications. SignDoc Enterprise is seamlessly integrated with Kofax TotalAgility, the company’s flagship process automation platform, so organizations can add secure and authenticated e-signature functionality to end-to-end business processes powered by TotalAgility.

“Electronic signatures are finally gaining momentum — driven by simpler, more accessible, and cheaper smartphones, tablets, and touchscreen computers,” wrote Craig Le Clair, Vice President, Principal Analyst at Forrester Research in a recent report1. “We see a widening variety of use cases demonstrating insights that can help enterprise architects overcome adoption hurdles.”

For enterprise users, capturing and processing e-signatures is part of a more comprehensive business process automation requirement. By adding e-signature functionality to TotalAgility, Kofax now offers a digital transaction management solution that addresses the following key needs:

  • Secure, trustworthy e-signature software that meets international regulatory requirements
  • Workflow automation that enables e-signing to be fully integrated into existing enterprise systems and end-to-end, digital transaction management processes
  • Ability to persist signed documents in any ECM repository using industry standard interfaces
  • Process intelligence and visibility to ensure compliance, reduce risk and enhance operational efficiency
  • Web data integration capabilities to speed and streamline digital transactions
  • Unprecedented flexibility for customer engagements via mobile devices

“Digital transaction management is an emerging market category that defines a new way to conduct business,” said Grant Johnson, Chief Marketing Officer at Kofax. “With the introduction of Kofax SignDoc Enterprise and the integration of e-signatures into TotalAgility, Kofax is positioned to succeed in this market category.”

SignDoc helps organizations to significantly improve customer engagement and operational efficiencies by giving users the power to execute secure, digitally executed transactions using a wide variety of computing platforms and mobile devices. SignDoc supports “click to sign” and handwritten signatures, and can capture biometrics at the time of signing for greater security and authentication.

SignDoc offers a wide range of deployment options and innovative e-signature capabilities. Users have insight into the complete audit trail of all interactions, because SignDoc allows users to verify document integrity from within a PDF Reader, without needing IT experts or accessing an external site. Furthermore, SignDoc’s standards-based digital signing and self-contained document approach ensures that any post-signing tampering of the electronically signed document is immediately apparent without the need to consult Kofax. This process and the resulting audit trail provide proof that a legally-binding transaction has taken place.

Progress In Lending
The Place For Thought Leaders And Visionaries