If it's an onsite origination you can use a tablet that has digital pen capability or a laptop with a signature pad for the merchant to sign then email the app to the funder & to the merchant (provided they have an email address) thereby creating a paperless process. For gathering the requested documentation a smartphone with a scanner app or a portable scanner makes that paperless too. Without question there is a generational gap. You run into the same problem with cardless vs. conventional loyalty programs. For non onsite originations the fax will be around for probably another 15-20 years as there are a good amount from the baby boomer generation that have no clue about digital technology.