If digital documents are used, customers will need reasonable access to those documents. Additionally, if a bank chooses to implement remote access to digital documents, the bank may need to establish a secure information area that allows customers access. A bank can operate a CA service for its customers. However, becoming a CA may require different technical skills and may impose liabilities. Becoming a Certificate Authority Advantages Establishes bank customer identity.
Technology is relatively inexpensive.
Adds potential for customer retention. Provides for community outreach. Disadvantages Standards are still changing. Requires additional expenses to operate services. Requires more technical expertise.