The electronic signature is the transposition of the handwritten signature in the digital world. It makes it possible to secure and authenticate the commitments made between two parties.
The principle of the electronic signature of document
The electronic signature is a tool to guarantee the identity of the signatory, but also the provenance and integrity of a document. It certifies to the end user that it has not been modified since its creation. For the author, this implies the need for a specific electronic signature software. It will also have to justify a digital identity whose security level may vary depending on the type of certificate used (simple or qualified).
Validation of documents and authentication of its author
An electronic document signature is unique and can not be transmitted. It serves as a dematerialized identity card that will be used to authenticate the author and signatory of certain documents such as a contract, a quote, a purchase order, etc. This process saves time because it is no longer necessary to print a document to sign it, it can also be sent via e-mail or digital feed. No need to meet!
In addition, this validation procedure provides more security thanks to the data cryptology technique and simplifies archiving. It is possible to keep a document in digital format.
The deployment of the electronic signature in Europe
The use of electronic signatures is becoming more and more common in all European Union (EU) administrations. The secure nature of the electronic signature procedure of a document facilitates the fight against fraud. Since 1 January 2013, the Official Journal of the EU is a digitally signed document. Similarly, with the implementation of the Electronic Identification Authentication and Trust Services ( eIDAS) Regulation on 1 July 2016, electronic signatures between citizens, businesses and public authorities are officially recognized across the EU by more than twenty countries.
Electronic document signing and credit
In order to make it easier for their clients to take action, consumer credit institutions have set up the possibility of electronically signing an online loan agreement. The law of 13 March 2000 on the adaptation of evidence to information technology serves as a legal framework. From now on, all requests are associated with digital certificates that can be used through reserved private spaces. This possibility is also offered to future customers on our website: sofinco.fr.
When subscribing to an online credit, the electronic signature provides advantages for subscribers:
- It is faster and more reliable than the “classic” procedure: For example, there are no longer postal delays. The customer has the opportunity to sign his contract without going to an agency. Subscription is entirely dematerialized.
- It allows to clear the use of paper, the contract can be signed without being printed. In addition, he will be able to keep his documents in digital format.
- The approach is free …