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Digital Signatures, E-Signatures, + the Evolving Risk Landscape in Banking Post Image

Digital Signatures, E-Signatures, + the Evolving Risk Landscape in Banking

September 19, 2025

Banking depends on the foundational principle of Know Your Customer (KYC): a regulatory requirement obligating financial institutions to verify the identities of all depositors and borrowers. Historically, after identities were confirmed, banks and credit unions relied on wet-ink signature cards authorizing transactions; however, inadequate verification protocols have led to significant losses, including fraudulent loans, forgeries, wire transfer fraud, money laundering, and regulatory fines.

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