Trusting Social, a premier Asian AI and Big Data company, and eMudhra, a global leader in digital identity and cybersecurity, have announced a strategic technology integration to deliver the country’s first unified, end-to-end digital onboarding and signing platform. This partnership is directly tackling the final, most cumbersome step in digital lending: the physical requirement for contract signing.
The partnership comes at a pivotal moment for the Philippine financial sector. While digital retail payments recently surpassed 57% of total transaction volume, the lending market has remained burdened by fragmented “hybrid” processes—where identity is verified online, but contracts still require physical signatures or manual handling.
The Trusting Social and eMudhra integration solves this by connecting Trusting Social’s TrustVision eKYC stack (featuring ID OCR and Liveness Matching) directly to eMudhra’s emSigner platform. Once a client is verified, they are automatically routed to a secure, encrypted signing flow without human intervention.
This proactive shift toward airtight digital integrity aligns with a growing legislative movement to modernize the nation’s digital infrastructure. Discussions around the CADENA Act (Senate Bill 1506), championed by Senator Bam Aquino, have brought a renewed focus on non-repudiation where a digital action cannot be denied or tampered with. While the bill’s primary focus is government transparency through blockchain, its core principles of data integrity and authenticity reflect a broader national push. This partnership between Trusting Social and eMudhra applies these high standards of data integrity in production environments today, ensuring every loan document is encrypted, tamper-proof, and protected against denial or manipulation through non-repudiation.
Johnny Escaler, CEO of Trusting Social PH, highlighted the strategic shift in consumer expectations. “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. By combining our specialized 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, ensuring every financial transaction is both secure and instantaneous.”
The technology behind the partnership is built on a robust Public Key Infrastructure (PKI) framework provided by eMudhra. Unlike simple electronic signatures, these PKI-based signatures ensure document authenticity and integrity. Every contract is time-stamped and sealed, making any unauthorized modification immediately detectable. This level of security is particularly vital for lenders requiring Post-Dated Checks (PDCs) for repayment, as the secure digital signature captured during application provides an immutable reference for future signature verification on the PDCs.
Rajat Gurnani, Country Manager for eMudhra Philippines, noted that, today, every Filipino citizen expects 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. This collaboration makes that possible by bringing the loan application, identity verification, consent capture, and PKI-based digital signatures into one secure, encrypted flow. It ensures documents are tamper-proof and supported by non-repudiation, meaning every action is recorded and cannot be denied later. 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.
“Wala nang hintayan, wala nang pila, wala nang abala. The process is now fully digital, secure, and seamless.”
