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Adie's e-Signature for better delivery of microfinance services

Publication Good practices


This practice was introduced to accelerate MFIs’ procedures to improve efficiency and to reduce barriers faced by micro-entrepreneurs.


The purpose of the electronic signature is, like that of a handwritten signature, to demonstrate to a third party that a certain document has been approved by an identified person (the client). It is a reliable engagement mechanism that uses cryptographic techniques, and its process is overall simple, as all that is needed for the MFI is to identify a provider whose system is compliant with existing reglementary framework and procedures. The legal framework for e-signatures is set by European Regulation (No 910/2014) which envisages different levels of e-signature, each with different guarantees and different constraints and modalities of implementation.

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