In an online world it is tough to ensure the security and integrity of electronic signatures. For different scenarios something stronger than username and password is required, since the agreements and transaction consents may high value and high risk to both institution and customer.
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http://improving-nao.blogspot.com/2006/08/electronic-signatures-for-financial_03.html
Date added: 08/04/2006
Authentication and authorization Digital Identity Integrity and non-repudiation