Banking Solutions · Digital Onboarding

Digital onboarding: digitise customer account opening.

Automate customer onboarding with a platform that orchestrates identity verification and KYC checks to speed up account opening and keep risk under control.

9:41 Step 1 of 4 Create your account FIRST NAME Maya LAST NAME Feri DATE OF BIRTH 14 Sep 1993 NATIONALITY French ADDRESS 24 Rue de Rivoli CITY Paris Continue Identity verified Secure onboarding Digital KYC Instant verification
What it is

Risk-based onboarding.

Our software verifies your customers from identity, device and behavioural signals, with progressive checks that adapt to the risk level, without adding friction for good customers.

Beyond account opening, verification continues throughout the customer lifecycle, with monitoring of sanctions, PEPs and behavioural changes.

  • Identity verification (eKYC, biometrics, documents)
  • Device & behavioural signals
  • Fraud & synthetic identity detection
  • Continuous monitoring (sanctions, PEP, media)
Architecture · orchestration

One app that orchestrates the entire verification flow.

From customer data entry to account opening, the app automatically triggers and coordinates every verification service, all the way to core banking.

OCR & Documents Data extraction · Authenticity Tamper detection Verified Biometric verification Face match · Liveness detection Match KYC Screening Identity validation · Due diligence Compliant PEP & Sanctions PEP lists · OFAC · EU · UN No match Risk assessment Customer score · Country risk Occupation risk Low risk Decision engine Compliance rules Automated decision Approved CORE BANKING Core Banking System Customer created Account opened · IBAN assigned 9:41 Account opening MF Maya Feri Verification in progress 4 Personal information Verified Identity documents Verified Selfie verification Analysing… Account created
The bank-side view

KYC as a continuous risk process.

Beyond the customer app, your back office drives due diligence, risk scoring and screening — from account opening to continuous monitoring.

Due diligence review CUSTOMER · CU-48213 · 14:32 In review SM Sara MalouCompliance analyst ID DOCUMENT P<FRAFERI<<MAYA<<<<<<<930914F<FRA ID · FR CHECKS Authentic documentMRZ verified< 3 months ID validated RECONCILIATION FIELDENTEREDIDMATCH Last nameFirst nameBirthNationalityAddress FeriFeriMayaMaya14/09/199314/09/1993FRFR7500475004 5 / 5 fields match RISK ASSESSMENT 08/100 Lowoverall risk SIGNALS DeviceBehaviourNetwork / consortium 154 sources queried CDD validatedEDD not required
Customer Due Diligence

Onboarding that's compliant from day one.

On the bank side, the back office automatically matches the ID document against the information entered by the customer, verifies document authenticity and establishes a compliant baseline, while smoothing onboarding for low-risk profiles.

Detect synthetic identities & mulesPre-screening via device, behaviour and network signals, before adding friction for good customers.
Verify across multiple sourcesIdentity resolution through a cascade of sources to improve match rates, including thin files.
Step up checks when neededDocument verification or enhanced review only when the risk level warrants it.
Customer Risk Rating

Know where your risk sits, continuously.

As customer profiles evolve, keep risk under control throughout the customer lifecycle, without relying on one-off manual reviews.

Continuous monitoringSanctions, PEPs and adverse media tracked continuously, without a separate workflow.
Manage risk across the whole lifecycleCDD reviews, dormant accounts and periodic reassessments based on risk level.
Know every facet of an identityConsortium signals to reveal repeat abuse and hidden risks behind an identity.
Customer Risk Rating MAYA FERI · CU-48213 Low risk SM Sara MalouCompliance analyst RISK SCORE 08/100 Low risk TREND · 12 MONTHS 12 months — stable Δ 0 pts over 12 months CONTINUOUS MONITORING SanctionsNone · 154 lists2 min ago PEPNot applicabledaily Adverse media0 alertscontinuous Consortium0 shared signalscontinuous No action required · real-time feed LIFECYCLE CDD reviewin 90 days Reassessmentquarterly StatusActive account RISK FACTORS IdentityTransactionGeographyBehaviour Profile under monitoring
KYB — Novalor SIREN 812 345 678 · FR Entity verified SM Sara MalouCompliance analyst Novalor Company · LLC · registered 2016 Sanctions: clear BENEFICIAL OWNERS (UBO) & DIRECTORS OWNERSHIPSCREENINGSTATUS Adam LoupDirector 45% Sanct ✓PEP ✓Media ✓ Verified Ryan BenouBeneficial owner 30% Sanct ✓PEP ✓Media ✓ Verified Melis BernatBeneficial owner 25% Sanct ✓PEP ✓Media ⚠ Review UBO ≥ 25% identified · Compliant structure Last check · 14:32 · Sara Malou
KYB Owner Screening

Directors, UBOs and controllers.

For corporate: verify the people and entities behind every business you onboard, down to the ultimate beneficial owners.

Verify individuals & entitiesScreening against sanctions lists, watchlists and adverse media in real time.
Step-up reviewsAdditional checks when a company's risk rises or its status changes.
Audit-ready evidenceDocumentation linking decisions, ownership structures and analyst actions.
What onboarding delivers

Convert more, verify better.

More conversions, less friction, compliance under control.

Faster account opening

A fast account-opening journey, with no drop-offs or re-keying.

Higher conversion rate

Less friction, fewer drop-offs, more accounts opened.

Reliable identity verification

eKYC and biometrics to securely authenticate every customer.

Retail & corporate

One foundation for both journeys, retail and business.

Built-in e-signature

Complete account opening remotely, with a legally binding signature.

KYC compliance under control

Screening, PEP checks and end-to-end audit trails for every verification.

+30 %
Conversion rate at onboarding
−70 %
Time to onboard
−45 %
Drop-off rate
−50 %
Case processing costs

Indicative figures, which vary with context and scope.

Our method

From scoping to run.

A controlled rollout, from needs to ongoing operation.

  1. 1

    Scoping

    Analysis of your onboarding journeys and KYC requirements.

  2. 2

    KYC journey configuration

    Configuring the verification steps, checks and e-signature.

  3. 3

    Integration

    Connection to your IT systems and core banking, then go-live.

  4. 4

    Operation

    Run, conversion-rate optimisation and long-term steering.

The banking journey · you are here

Six stages, one shared data foundation.

Six stages of the customer lifecycle — from onboarding to collections and on to a better customer experience — resting on a cross-cutting automation and data foundation that connects and continuously improves them.

Automation, Data & AI — cross-cutting foundation
01 · Acquire

Onboard customers, 100 % digital

From first interaction to account opening: smooth, compliant onboarding for retail and business alike.

Digital onboarding is exactly this stage — customer entry, 100% digital.

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Digital Onboarding

  • eKYC & facial recognition
  • Document verification & sharing
  • Retail & corporate onboarding
  • E-signature

Domiciliation

  • Income & salary domiciliation
  • Mandate management
  • Approval workflows
  • Tracking & reporting
02 · Operate

The heart of the banking system

Accounts, products, cards, accounting and treasury on the Infosys Finacle suite, implemented and operated by our teams.

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Accounts & products

  • Account opening & management
  • Product management (savings, deposits…)
  • Card issuing & management
  • Accounting management

Treasury & operations

  • Cash management
  • Operations & back office
  • Configuration & migration
  • Core optimisation & hardening
03 · Pay

Collect and pay, everywhere

Secure, compliant payment journeys: e-wallet, mobile banking and card switch.

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Payments & mobile

  • E-Wallet
  • Mobile Banking & Payment
  • Biometric authentication
  • Transfers & QR payments

Cards & switch

  • Payment Switch
  • Card management & routing
  • Authorisation & clearing
  • PCI DSS compliance
04 · Finance

Credit and risk, end to end

Two dimensions mastered: credit risk across the loan lifecycle, and balance-sheet risk (ALM, capital) steered at bank level.

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Credit lifecycle — credit risk

  • Application & document sharing
  • KYC & PEP checks
  • Credit scoring & approval decision
  • Allocation, disbursement & repayment tracking

Risk Management — balance-sheet risk

  • ALM — asset-liability management
  • Capital forecasting & capital adequacy
  • Stress tests & VaR
  • Regulatory reporting (Basel)
05 · Recover

Recover, then handle disputes

In the event of default, our solution automates the collections process — through to litigation management where needed.

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Collections

  • Segmentation & dunning strategies
  • Automated dunning workflows
  • Multichannel amicable scenarios
  • Payment-promise tracking

Litigation & disputes

  • Escalation to litigation
  • Legal case management
  • Audit trail & reporting
  • Recovery-rate steering
06 · Retain

Retain and personalise, through data

Data and automation in service of the relationship: anticipate churn risk and deliver hyper-personalised experiences that raise satisfaction and revenue.

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Retention & anticipation

  • Proactive churn detection
  • Behavioural scoring
  • Next best action & alerts
  • Automated retention journeys

Personalisation & revenue

  • Personalised offers & services
  • Contextual recommendations
  • Targeted cross-sell & up-sell
  • Satisfaction measurement (NPS)
Use cases

Where onboarding makes the difference.

Concrete use cases, area by area.

Ready to digitise your onboarding?

Request a demo: we'll show you how to speed up account opening, make eKYC more reliable and lift your conversion rate. Leave us your details and an expert will get back to you.