FinOS eSignSuiteeSignSuite closes the loop on digital transactions — eSignature, eContract and eInvoice in a single platform.

Vietnam’s retail lending market still relies heavily on wet-ink signatures and branch visits, adding 2–5 days to a disbursement cycle and deterring borrowers who cannot take time off work. Incomplete paperwork, courier delays, and missing co-signer signatures are the leading causes of loan processing backlogs and customer drop-off.

eSignSuite delivers the full signing package — loan agreement, promissory note, and collateral pledge — to the borrower’s phone via a secure link, authenticated by OTP or government-backed VNeID. The platform enforces co-signer sequencing automatically and returns a tamper-proof evidence bundle directly to the LOS, closing the credit-to-disbursement loop in under 30 minutes.