Jim, I'm betting that for every one of those digital transactions someone provided the digital infrastructure to facilitate the deal and in some way collected a fee (whether identified or buried in other costs) to cover the cost to create, implement and maintain that digital infrastructure.
The world that can tolerate / absorb those costs does business with digital signatures, the rest of the world does not but manages to press-on regardless.
Get those costs covered in the context of the CMRA for 2018-2019 and Bob's yer Uncle.
Heaven knows I'd love to see it realized, I don't think anyone has suggested that technology is the constraint.




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