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Onboarding & Digital Identity

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Overview

Connect with your customers from the first contact simply, safely, and securely. Onboard new 100% digital users in a matter of minutes, using the latest technology in enrollment and validation of identity documents and biometric data.​

We offer an intuitive, secure, and seamless journey that allows your users to better manage their access to digital channels and configure preferences throughout their lifecycles.

We have performed more than 20 million remote and 100% digital onboardings with no false positives.

Busness Benefits

Improve time and conversion rates in origination processes, increasing the number of new customers

Increase operational efficiency by avoiding low-value manual tasks at branches and central areas

Obtain valuable process data and identify how to improve product conversion

Minimize fraud risk and rely on verifiable data for audits, claims, or litigations

Enable revenue growth

Compliant with KYC/AML and Data Protection regulations

End-user Benefits

Effortless account opening

Unified omnichannel experience for Business and Retail users

No need to request assistance or go to the branch

Guarantee user privacy

No more painful passwords and questions

Simple and strong authentication at login

Recover access to digital channels in record time

How it works:

1. Tutorial

Include a brief tutorial on to show your users how easy and quick the digital registration process will be

2. Preview of steps

List the steps that your users need to follow to successfully complete the process in just few minutes

3. Terms and Conditions

Customer consent is obtained for the T&C of the of the bank's value proposition

Privacy Policy may be included in this step or in a subsequent one to obtain the customer's consent by the Habeas Data regulation

4. ID capture and validation

ID capture: front and back

Data retrieval by OCR reading

Validation of document authenticity

Possible validation with PLD-KYC systems, credit bureau, or blacklists available to the bank

5. Facial biometrics enrollment

Proof of life

3D facial biometrics registration

Comparison of facial biometrics vs ID photo

Facemaps duplicity control

ID validation+biometric data vs.National Registry Verification Service

6. Email/mobile capture validation

This step can be repeated if you wish to request both data (email and cell phone)

Registration of personal data

Sending of OTC by the corresponding means (SMS/Whatsapp of email)

OTC entry and validation

7. Credentials creation

Authentication factor in line with regulation

Additional modules

·Reusig biometrics

Enhace your customer's ability to perform multiple operations seamlessly and with superior user experience by utilizing their biometrics registered during the onboarding process as a method of approval. This enables them to accept terms and conditions, enroll in new products, and authorize monetary transactions and investments through facial recognition.

·Login and account recovery

These modules are designed to provide easy access to the channels. Offer a secure login, using facial biometrics, fingerprints and soft-token authentication. At the same time, provide a secure account recovery process, where facial biometrics are compared to the record obtained during the onboarding process.

·Profile

Enable your users to manage their access to the channel through their Profile module. Let them update personal data, make security configurations, set their preferences and consult information on your privacy polices.

·Back Office

Our back office is a web application that provides updated information on Onboarding activity, Login, Account Recovery and Profile changes, giving you total control over access to the channel. Gain valuable user information to better support your customer´s access issues and encourage business relationship opportunities.

Key Benefits

It allows greater control of what happens in the channel at a centralized level, mitigating internal fraud.

Onboarding increases conversion due to its agility, simplicity and 24/7 availability from anywhere.

The rapid self-management of the user to recover their access to the channel promotes greater transactionality and improves their experience.

By having valuable information, opportunities to improve the experience can be detected to favor commercial conversion.

KYC requirements are met in terms of validating the real identity of users, preventing cases of fraud due to identity theft.

It allows compliance with the regulatory framework regarding digital channels of financial entities

The back office allows the entity's collaborators to provide better support to customers.

Reduces the need for branches, reducing overhead costs