Manila, Philippines – Trusting Social, a leading AI and big data company, has partnered with eMudhra, a global provider of digital identity and cybersecurity solutions, to launch the Philippines’ first integrated digital onboarding and signing platform for lending.
The collaboration addresses the final barrier in digital lending, replacing the need for physical contract signing with a fully automated digital process.
The initiative comes as digital retail payments in the Philippines surpass 57% of total transaction volume, while lending processes continue to rely on hybrid systems in which identity verification occurs online but contracts require manual handling.
“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,” Johnny Escaler, CEO of Trusting Social PH, commented.
He added, “By combining our specialised AI intelligence in risk and identity with eMudhra’s globally-trusted digital signing infrastructure, we are enabling our financial partners to accelerate their growth on a foundation of absolute trust.”
The integration connects Trusting Social’s TrustVision eKYC suite, which includes ID OCR and liveness verification, with eMudhra’s emSigner platform. Once a client’s identity is confirmed, loan documents are routed to an encrypted digital signing flow without human intervention.
The partnership aligns with ongoing legislative efforts to modernise the country’s digital infrastructure, including discussions around the CADENA Act (Senate Bill 1506), which emphasises data integrity and non-repudiation. By applying these principles in operational environments, the solution ensures that every loan document is encrypted, tamper-proof, and protected against manipulation.
“Today, every Filipino expect a fully digital process, not just filling out a digital form and then physically going to the branch, standing in queues to complete the rest of the application,” Rajat Gurnani, country manager for eMudhra Philippines, shared.
“This creates a win-win situation where banks and financial institutions reduce risk, cost, and turnaround time, while citizens get faster, safer, and completely paperless access to financial services, setting a higher standard of digital trust for the Philippines.”
The system uses a public key infrastructure (PKI) framework to provide secure digital signatures that confirm document authenticity. Each contract is time-stamped and sealed, with any unauthorised alterations immediately detectable.
This capability is particularly important for financial institutions that require post-dated checks, as the digital signature provides an immutable reference for verification.
The integrated platform also allows loan applications, identity verification, consent capture, and PKI-based digital signatures to occur in a single secure flow. This reduces risk, lowers operational costs, shortens turnaround times, and delivers fully paperless access to financial services.
The solution establishes a new benchmark for digital trust in the Philippines, providing faster and more secure lending for both institutions and consumers.
