Signing documents online is not a technical problem but a business and legal problem. DocuSign and other commercial companies have a business not necessarily because they have any unique technology or the best user experience (they often do), but because they handle all the complex stuff around signing documents. A reality many people don't see is that many commercial companies really have the expertise in certain ar…
People said the same in 1999 for online banking.
"According to research by Online Banking Report, at the end of 1999 less than 0.4% of households in the U.S. were using online banking. At the beginning of 2004, some 33 million U.S. households (31%) were using some form of online banking. Five years later, 47% of Americans used online banking, according to a survey by Gartner Group"
https://en.wikipedia.org/wiki/Online_banking#Internet_and_cu...