Based on the law, digital signatures are considered to have legal force and legal consequences provided that they meet the following conditions:. The digital signature creation data is known only to the owner of the signature. Only the owner of the digital signature is entitled to use the signature. Any changes to the digital signature occuring after signing are known. Any changes to digital information related to digital signatures can also be noted.
There is a specific way of identifying the owner of the digital signature. There is a specific way of ensuring that the digital signer has given consent to related digital information. Apart from the aforementioned laws, regulations regarding digital signatures in Indonesia are also reviewed in a number of other provisions.
Here's the list:. Government Regulation PP No. As with wet signatures, the use of digital signatures also has a very broad scope. The technology can be implemented in almost all kinds of business operations, from banking and insurance, to taxes. So far, banking customers have to come to bank branch offices to get services. They are required to provide a wet signature as part of the identity verification process. However, with a digital signature, customers can now still get the services they need without having to go to a bank branch.
From account opening services, to lending, and even housing loans, everything can be done online thanks to digital electronic signatures. The efficiency of using digital signatures can also be felt in the insurance sector.
Many insurance companies spend most of their time handling physical files or documents. In addition, customers still have to visit the insurance company office to sign them.
In fact, if you switch to digital signatures, customers will be able to sign them from anywhere and at any time. This of course can provide convenience not only for customers, but also for the insurance company when submitting claims, changing policies, and so on.
An online transaction is any buying or selling activity done online over the internet. Some of the most common examples are when someone tops up their e-Wallet balance, pays bills through e-Commerce services, or buys credit and various other products. In order to enjoy all online transaction services, ideally you have to register or sign up first. As part of this sign-up process you must verify and authenticate your identity. This enables the seller or service provider to validate your identity to prevent the risk of fraud or identity theft.
Digital signatures help minimize the risk of fraud and thus help secure online transactions. Every digitally signed digital document is authenticated with a verified digital identity. To strengthen verification, the process also usually involves biometric technology such as facial recognition. In addition to paying bills and making purchases, online transactions can also occur in the banking service sector. One example is when a customer wants to open a new account.
Thanks to the digital signature, customers can open new accounts without having to go to the bank and meet face to face with officers as long as there is an internet connection. Digital documents that must be signed electronically only need to be sent via email. This is of course not only safe, but also practical and saves time, both for the bank and the customer.
As mentioned earlier, digital signatures offer a higher level of security in online transactions when compared to wet signatures. Your digital identity will be protected more securely because the potential for e-signature forgery or data theft is reduced.
However, how do digital signatures work? Hashing function. When someone makes a digital signature, a unique hash of a message or document will appear. A hash is a series of letters and numbers generated from a mathematical algorithm against a file, be it messages, documents, emails, and others. No matter how big the file size is, the length of the hash string and number will always be the same.
The hash concatenation is always unique and one way. That is, there are no hash sequences with the same combination of letters and numbers.
In addition, a hash computation cannot be reversed to mark or look for other similar files. You can also automate the digital workflows as per your company's requirements and stay compliant with local and international e-signature standards.
What are digital signatures? Try Zoho Sign. Introduction A digital signature is exactly what it sounds like a modern alternative to signing documents with paper and pen. The role of digital signatures In many regions, including parts of North America, the European Union, and APAC, digital signatures are considered legally binding and hold the same value as traditional document signatures.
How do digital signatures work? Some frequently asked questions What is public key infrastructure? What is a digital certificate? What is a certificate authority? The benefits of digital signatures have more offices and companies choosing them to make their workplace more efficient and secure. Digital document management systems can help your organization save time, money and space providing better security while improving productivity and cutting down on paperwork. E-signatures and digital signatures are two very different things, although both are crucial to the process.
The electronic signature is the actual signature of the signer. The digital signature is the lock and key that secures the document and the crucial details therein. A digital signature can capture the date, time, IP address, and other essential details to confirm the validity of an electronic signature. It will also record the history of the document, keeping records on any changes that were made after the document was signed.
An electronic signature is one of the significant improvement and advancement of technology to make our lives simpler and easier. Your email address will not be published.
Save my name, email, and website in this browser for the next time I comment. Check our help guide for more info. November 23, by Sandra Melo. Digital Transformation , Productivity. Here are five important reasons why having a digital signature is a good idea for your business: 1. Fast turnaround Employees at companies using traditional signatures have to do many steps to sign and return a document received via email.
Cost savings The implementation of digitalization has a cost, but, in the long run, you will end up saving money.
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