Technology advancements have had a tremendous impact on the manner in which banks and other financial institutions conduct their businesses. The adoption of electronic signatures act into law in 1996 and 2000 by the U. S. Government provides a way for the banking industry to automate internal approval processes while recording and conducting business with their customers in an entirely electronic manner.

This greatly improves any banks’ turn around performance by increasing their productivity in the payment system and improving their relationships with customers. Through the careful use of technology, banks are able to secure their clients’ information from being "LOST, STOLEN, and/or used with MALICE INTENT". The banking industry can ensure the protection of clients’ data when facilitating financial transactions across their technology platforms including and the Internet utilizing electronic signatures and records.

Banking processes that require a traditional ink signature to be legal are now being evaluated to determine whether or not they can be converted into an electronic alternative. Any legacy system of Image, Fish or Tiff can utilize a Secure Trade Link system to secure and protect its information. Secure Trade Link utilizes the best of breed technology, takes into account risk management considerations and legally enforceable issues, then wraps them all together to provide a comprehensive service to cover virtually every aspect of online or offline banking operations for current and future business needs.

The use of electronic document and signature software by Secure Trade Link can facilitate:

• Database independence to existing RDBS systems to renew existing infrastructures
• The creation, retention, and delivery of any documents including other information (including Reg E, B, M, Z, DD & FDIC disclosures)
• Multi-recipient delivery and signature request
• ACH debit authorization (meets NACHA rules)
• Receipt and payment of funds
• Logs of every step in the process from Sign-in to Sign-out
• Multi-document signature capabilities
• The purchase and sale of goods and services
• Opens new accounts and creates electronic signature cards
• Loan applications with notary service
• Identity verification of parties participating in document transactions and signatures
• Tamper-evident detection to confirm a document has not been altered since the original signing and ratification
• Other aspects of a financial institution to communicate with and service its customer base
• Platform independence ability to snap into just about any new web-enable system, intranet or internet
• Off-line signature verification system. No computer required.