eKYC & Digital Customer On-Boarding
What Is eKYC?
eKYC is Know Your Customer (KYC) process executed electronically for existing customers or while on-boarding new customers. Unlike paper forms, eKYC is a modern, time-saving and cost-effective process that is being increasingly adopted by organizations in Banking, Financial Services and Insurance sectors for streamlining customer onboarding journey. SimpleCRM offers a comprehensive eKYC solution that is powered by AI modules like liveness detection, facial recognition, document verification, OCR scanning and others. Our eKYC solution supports integrations with enterprise solutions like CRM, Core Banking Systems, Core Insurance Platforms etc. making customer onboarding journey a seamless process.
Digital On-Boarding And eKYC Includes
eKYC & Digital On-boarding of Customers
Wizard Based Account Opening
For many first-time users, bank account opening may feel like a tedious task but it need not with a well guidance interface. Wizard-based account opening assists applicants throughout the account opening procedure in a sequential and easy-to-understand manner. The dialog boxes and markings lead the user through various steps such as filling personal details to uploading documents, capturing images, digital signatures and others. The applicant information can be passed on to backend systems for credit checks, AML or Blacklist database checks and finally to core banking or core insurance system for account creation.
Deploy on the websites, mobile devices and access the solution from anywhere. Zero configuration is required on the client end. The application details can be pushed to core systems or 3rd party systems directly as and when required. Be it any platform, SimpleCRM’s digital account opening application is responsive and can be accessed through any device. It also supports multi-lingual capabilities, making it easier for customer adoption and access.
AI-Based Liveness Detection
While the picture of the applicant is being captured, the solution confirms the liveness of applicant. The prominent changes in the expression like blinking of eye, smiling face, is detected that guarantees that the applicant is alive. This helps prevent fraudulent applications where applicants can upload a static picture instead of a live person while making the application. Moreover, our eKYC solution is also powered with AI-based face recognition, which helps in ensuring the profile picture of the applicant and the photos on the submitted documents matches.
OCR Enablement & AI-Vision Based Fraud Detection
For a hassle-free paperless account opening process, optical character recognition is used, which reads the content in submitted documents and converts handwritten or printed textual and numerical characters into a computer-readable format and pre-populates the forms, thereby saving data-entry effort. The Vision AI is trained to verify authenticity of submitted ID cards and can automatically flag suspicious documents.
Multiple Products Support
Our eKYC & Digital Account Opening solution can be configured to support onboarding for multiple products like Current/Savings Accounts, Credit Card Applications, Loan Processing, Insurance Policy Purhase etc. In addition, as part eKYC process, the solution can also capture customer preferences for value-added services like Online Banking, Mobile Banking, SMS Alerts, Cheque-book, ATM Card etc.
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