Digital Certificates can be used for a variety of electronic transactions including e-mail, electronic commerce, groupware and electronic funds transfers.

For example, a customer shopping at an electronic mall requests the Digital Certificate of the server to authenticate the identity of the mall operator and the content provided by the merchant. Without authenticating the server, the shopper would not trust the operator or merchant with sensitive information like a credit card number. The Digital Certificate is instrumental in establishing a secure channel for communicating any sensitive information back to the mall operator.