Executive session
Can there be a 100% digital paycheck? Legal Validity, Evidence and Executability in Mexico
The challenge is that your operation can be held before a judge, an auditor or an organized crime that analyzes every link to your process.
The question seems simple: can a fully digital promissory note exist in Mexico? The short answer is yes. But the question that really matters is a different one: Can you prove who signed, when, from where and with what level of certainty?
Section 89 of the Commercial Code recognizes that data messages have full legal validity if they meet conditions of authenticity, integrity and maintenance. NOM-151 lays down the standard of time and maintenance sealing. The problem is never abstract validity - the problem is always the same thing: can you prove it?
The scenario that everyone imagines is the bad-faith client that signed and now says that she doesn't sign up to pay. That scenario exists. But there's another far more dangerous scenario: the client that doesn't really sign up, because someone did use his identity without him knowing about it. Dr. David Merino, with direct experience with corporate counterintelligence and FGR cases, explain how organized crime analyzes the onboarding processes of financial institutions and identifies the most fragile link of digital consent.
Companies place a great deal of emphasis on signing - that's the most visible step - and very little on documenting what was accepted, in what context, with what information available to the user at that time. That's what's most about dispute.
Solutions JAAK for this topic
What you describe at this session, JAAK It's been solved.
Advanced sign that challenges a dispute
Each letter signed with JAAK generates electronic chain of care: sign's identity, documented consent, document integrity and time stamp NOM-151.
See solution →Electronic signature for electronic credit
A signed solution designed for SOFOM, fintech and digital credit. Simple, enforceable and with the level of evidence a judge will demand.
See solution →What you'll learn in this session
- 1What makes a paycheck valid in Mexico - digital or paper - and why support isn't what matters
- 2The difference between simple, advanced electronic signature and what requires NOM-151 - and why many companies confuse all three
- 3What happens when I say that I never did and how to build the consent process so that that stage doesn't succeed
- 4What's the digital custody chain and why a judge's gonna ask for them before anything else
- 5How organized crime attacks digital onboarding processes - and what makes a process resilient
- 6The 3 most common mistakes that make a digital paycheck non-enforceable with a dispute
- 7What direction will Mexican regulations go for digital credit titors - and how to get ready before they get there
Index of themes
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presenters
Dr. David Merino
Doctor of Law. UIF, SAT and FGR. Federal Congress Advisor for digitalization. Training by the FBI and the U.S. National Security Department in digital evidence.
Arianna quezada
CEO of JAAK. 100% Mexican company specialized in digital identity, biometric monitoring, electronic signature and auditable records for the digital credit sector.
Do your digital bills resist a dispute?
An enforceable operation can prove who signed, when, how his identity was verified and that his document has been exactly the same since. JAAK He's building that chain of evidence.
Agenda a demo →