Digital Transformation of Signatures: Suggesting Functional Symmetry Approach for Loan Agreements

This article aims to formulate proposals for regulatory bodies whose implementation would ensure the effective introduction of civil circulation into electronic signatures, with minimal costs economic entities. While signatures have been widely discussed in academic literature, there are still gaps understanding similarities and differences between handwritten functional specifics relationship them, role contract. Our research has allowed us overcome this gap adopting a symmetry approach based on measuring distance fuzzy sets Mamdani inference algorithm. made it possible form an estimate degree different types exact form. Correspondingly, we argue that signature can be viewed as set procedures rather than single act order achieve signature. The case online lending was used test prove hypothesis. Therefore, regulating needs focus efficiency processes ex ante identification, capturing intent, ensuring inalterability providing reliable evidence, irrespective type is used. It also revealed proposed combined fuzziness index analysis provide new prospects further research.