While reading through the Uniform Electronic Transactions Act here: http://www.law.upenn.edu/bll/archives/ulc/fnact99/1990s/ueta99.htm, I thought of some things. I don't understand why a complex digitally encrypted key has to be generated and read by the signee and signors.
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Electronic signatures don't require using a digital signature, but they certainly help. Companies like Yozons offer a digital signature only solution if you have built software that can present the document to be signed and get the user to agree to them (take willful action to sign).
The advantage of a digital signature is that it creates a reliable, durable electronic record of what was electronically signed. Without a digital signature, others can produce other electronic files and claim they are the original, whereas a digitally signed file cannot be tampered with without detection, so it can be used to prove a document has not been changed since it was created.
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