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Digital Account Opening

Deliver a user-friendly, automated process that prevents fraud and drives better-funded accounts. Securely onboard new users, 100% digitally, leveraging the latest technology to boost your business.

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Benefits

Our next-generation Account Opening solution is highly configurable, as it is built on a flexible architecture. It incorporates unique customer support features and includes simple yet powerful security tools.

Business benefits

Confidently automate application approval to reduce operational costs.

Dramatically lower abandonment rates among high-quality applicants.

Modular UI to create a unique onboarding experience, enabling you to launch faster.

Unique landing pages for products that increase your return on existing marketing spend.

Integrated and real-time security tools that go far beyond your average KYC checks.

End-user benefits

Effortless account opening.

Securely resume incomplete applications within 48 hours of starting.

Receive convenient SMS updates on the status of your application.

Simple account connection to streamline the funding process.

Success Cases

REAL IMPACT

30+ million onboarding worldwide

We have performed more than 30 million 100% digital account openings with high security standards.

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Features

We provide

Automated account opening that reduces fraud and increases funded accounts.

A modular UI for flexible, unique onboarding experiences, allowing your institution to drive differentiation.

A unified system for mobile, desktop, and in-branch applications.

Seamless integration with your digital and branch marketing efforts.

The efficiency and simplicity of opening deposit accounts directly impacts financial institution´s ability to attract and retain customers. We are dedicated to transforming the deposit account opening process into a streamlined, user-friendly experience.

How it works

1. Tutorial

Include a brief tutorial 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 a few minutes.

3. Terms and conditions

Customer consent is obtained for the T&C 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 (email or SMS/Whatsapp)
OTC entry and validation

7. Credentials creation

Authentication factor in line with the regulation.

Additional modules

An end-to-end proposal to offer the best experience

Login & Account Recovery:

These modules are designed to provide easy access to the channels.

Offer a secure Login using facial biometrics, fingerprint, 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 the Profile module.

Let them update personal data, make security configurations, set their preferences (e.g.: select the language and favorite operations on the landing page) and consult information on your privacy policy.

Back-Office:

In addition to these functionalities designed for end-users, our Back-Office provides strong tools to support your teams get more done with less.

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 users' access and build better relationships.

Reusing Biometrics:

Enhance your users' ability to perform multiple operations seamlessly and with superior user experience by utilizing their biometrics registered during the onboarding process. This enables them to accept terms and conditions, enroll in new products, and authorize financial transactions and investments through facial recognition.

By leveraging the biometrics data already captured during onboarding, you can streamline various banking processes, ensuring security and convenience for all.

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