I believe a lot more people are using e-sign than realize it. "Click here" to accept the terms of this Internet Banking Agreement is a form of e-sign.
I too believe that extremely low use is occurring on the high-end, requiring digital signatures and actually opening accounts and doing loans that way.
Is it a technological hesitation on our part, a customer security/trust issue, both or neither?
In my case, I don't drive this train but we're so busy doing other things with greater demand that I don't know when we'll get to this.
Opinions stated are not necessarily that of my employer.