The partnership links Trusting Social’s AI-driven identity verification stack directly to eMudhra’s secure digital signing infrastructure, eliminating the need for manual paperwork or in-person signatures.
Why it matters
Despite rapid growth in digital payments—now accounting for more than 57% of total transaction volume—the Philippine lending sector has lagged behind due to “hybrid” workflows.
These processes often verify identity online but still require physical signatures, slowing loan disbursement and increasing operational risk.
The new integration aims to close that gap by enabling lenders to complete onboarding, verification, consent, and contract execution entirely online.
How it works
Trusting Social’s TrustVision eKYC platform, which includes ID optical character recognition (OCR) and liveness matching, verifies a borrower’s identity at the start of the application.
Once verification is completed, borrowers are automatically routed to eMudhra’s emSigner platform for secure, encrypted digital signing—without human intervention.
The result is a single, uninterrupted flow from application to contract execution.
The bigger picture
The rollout comes amid growing policy discussions around strengthening digital trust and data integrity in the Philippines.
Proposed legislation such as the CADENA Act (Senate Bill 1506) has renewed focus on non-repudiation—the ability to ensure that digital actions cannot be denied or altered.
While the bill centers on government transparency and blockchain use, its core principles are already being applied in private-sector environments through integrations like this one, where every document is encrypted, time-stamped, and protected against tampering.
What executives are saying
Trusting Social Philippines CEO Johnny Escaler said consumer expectations have shifted decisively.
“Filipino consumers are no longer interested in hybrid, half-digital processes,” Escaler said.
“They demand fully remote access without compromising security. By combining our AI intelligence in risk and identity with eMudhra’s globally trusted digital signing infrastructure, we enable financial institutions to grow on a foundation of absolute trust.”
Under the hood
The platform is built on eMudhra’s Public Key Infrastructure (PKI), a higher-security standard than basic electronic signatures.
Each signed document is cryptographically sealed, making any unauthorized changes immediately detectable.
This is particularly relevant for lenders that still require post-dated checks, as digitally captured signatures provide an immutable reference for later verification.
What’s next
eMudhra Philippines country manager Rajat Gurnani said the integration reflects rising expectations for fully digital financial services.
The collaboration brings application, identity verification, consent capture, and legally enforceable digital signatures into one secure flow—reducing turnaround time and operational costs while improving customer experience.
As financial institutions continue to digitize, the partnership sets a new benchmark for end-to-end digital trust in Philippine lending. —Ed: Corrie S. Narisma
