Case Study: Kinecta Federal Credit Union achieves 200% growth in indirect auto loans and enhanced compliance with eOriginal

Kinecta Elevates Compliance, Expands Revenue Channels with Digital Innovation

Kinecta Federal Credit Union, a Southern California credit union with more than $4 billion in assets serving 300,000 members, sought to modernize loan processes and expand revenue channels. The challenge was an inefficient hybrid workflow in indirect auto lending: documents were eSigned but still transferred as paper copies, creating operational friction, uncertainty over the authoritative copy, and added risk in loan ownership transfers.

Kinecta partnered with eOriginal (via a DocuSign referral) to create legally enforceable “digital originals” with an auditable chain of custody and UCC Article 9–105 compliance, enabling end-to-end digital transaction management. The change reduced costs and accelerated capital movement while opening nationwide indirect channels—indirect loan volume grew to about $50M per month (over 200% growth) and roughly 1,000 loans per month, with a 10–15% lift in auto loans from online originators.

Kinecta Federal Credit Union

Kirk Fox

Manager of Consumer Lending