Nowadays consumer credit is offered and given at the POS where people buy expensive goods like cars, furniture or TV sets. In those cases the reseller acts as a bank clerk or credit broker and for his/her customers there is no need for an additional visit to a bank branch. For the reseller, this means a lot more paperwork. It also means a credit check by the supporting bank is needed very quickly, followed by a decision to accept or deny the customer's request. A paperless workflow with handwritten electronic signatures will reduce the paperwork and save time for the reseller which he or she can dedicate to serving new customers. Also purely digital handling of all contracts and forms allows for a very quick credit check without scanning, copying, faxing or transporting paper.