Trusting Social has partnered with cybersecurity company eMudhra to launch an integrated digital onboarding and signing (lending) platform in the Philippines.

The collaboration aims to digitise the lending process fully by eliminating the need for physical contract signing, a step that often prolongs the loan approval timeline.

The integration connects Trusting Social’s TrustVision eKYC system, which handles ID OCR and liveness matching, with eMudhra’s emSigner platform.

Once a user’s identity is verified, the system routes them to an encrypted signing workflow without human intervention. This addresses the “hybrid” nature of the current market, where digital verification is often followed by manual paperwork.

Johnny Escaler, CEO of Trusting Social Philippines, noted the shift in consumer demand.

“We are seeing the Filipino consumer market fully pivot—they are no longer interested in hybrid, half-digital processes. They demand fully remote access but will not compromise on security,” Escaler said.

The platform utilises a Public Key Infrastructure (PKI) framework to ensure document authenticity.

Unlike standard electronic signatures, PKI-based signatures time-stamp and seal contracts, making unauthorised modifications detectable.

This feature supports non-repudiation, ensuring that digital actions cannot be denied later, which is particularly relevant for lenders requiring Post-Dated Checks.

Rajat Gurnani, Country Manager for eMudhra Philippines, emphasised the efficiency gains.

“The process is now fully digital, secure, and seamless,” Gurnani stated. He added that the collaboration allows banks to reduce risk and turnaround time while offering citizens paperless access to financial services.

Featured image by Trusting Social.