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Customer onboarding systems

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Overview

It facilitates the incorporation of new 100% digital users safely in a matter of minutes, using the latest technology in registration and validation of identity documents and biometric data.

Through the secure registration and validation of the person's critical data, it will be possible to generate new digital users, identify them safely and provide a series of tools for user management, allowing the business to scale and enhance security processes and KYC policies.

Channels

Web and Mobile (Android, iOS, Harmony)

The modules that make up the solution are:

A. Onboarding: It is composed of a process that includes:

- Capture and read the document

- Document validation

- Facial biometric registration with proof of life

- User duplication control

- Validation of personal data

- Credential Generation

- Additional modules: Identity validation before an official body (for example: RENAPER, Argentina) Proof of address, digital signature, video proof (video recording of the person performing the onboarding), additional data (allows the creation of a form with additional information required by our clients based on their industry/business goals).

B. Login

Set of tools that allow identifying channel users, who were registered through onboarding. This module is made up of the following functionalities:

- Login with credentials: user identification by username/password

- Login with fingerprint (TouchID): allows the user to enter with the fingerprint registered on their device (only for the mobile version)

- Login with facial biometrics (FaceID): allows the user to enter with their face, after registering it on the device (only for the mobile version)

C. Account Recovery

Set of tools that allow an existing user to recover their access to the channel, it is made up of the following functionalities:

- Account recovery: this functionality solves the forgetting of the password credential and/or the blocking of a user. Both on Web and Mobile, it is proposed to request the user's ID and then validate facial biometrics and compare it with the biometric record.

- New installation of Mobile App: solves the recovery of access before a new installation of the mobile application. It is proposed to request the user ID, password and then validate facial biometrics vs. biometric registration.

D. Profile

Module that brings together all the user's self-management functions in the channel, thanks to which users can update their personal data, configure security settings, set their preferences, consult the privacy policy and close the session on the device.

E. Back-office

The Backoffice allows our clients to manage registered users in the onboarding process. It is a web tool that has the following functionalities:

User consultation: data table of existing users and those in the process of being created, with a search engine and filters for consultation. Supports downloading the list in different formats.

- Consultation of user details: includes the most important data of the Onboarding and personal data of the user

- Query of user activity: user activity related exclusively to the IDC (Onboarding, Log-in and Account recovery)

- Delete users

- Disable and enable users

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