AI-Powered Digital Onboarding
What is Digital Onboarding with eKYC?
Digital onboarding transforms customer acquisition by eliminating paper forms, branch visits, and manual verification. With AI-powered eKYC (electronic Know Your Customer), banks can verify identity, detect fraud, and open accounts instantly—all through a mobile device or web browser.
Traditional Onboarding
- ✗Branch visit required (1-2 hours)
- ✗Physical document submission
- ✗Manual verification (2-5 days)
- ✗High operational costs ($25-40 per account)
- ✗50-70% drop-off rate
BankBuddy.ai Digital Onboarding
- ✓100% digital (under 3 minutes)
- ✓AI-powered document scanning & OCR
- ✓Real-time verification & fraud detection
- ✓30% cost reduction ($15-20 per account)
- ✓85%+ completion rate
Real-World Journey: Opening a Savings Account
Customer initiates onboarding (Mobile/Web/Branch Kiosk)
Selects product, enters basic details (30 seconds)
AI-powered document capture & verification
Scans ID, extracts data with OCR, validates with government databases, detects forgery (60 seconds)
Biometric verification with liveness & deepfake detection
Face match with ID, NIST-certified liveness check, deepfake prevention (30 seconds)
AML/sanctions screening & risk assessment
WorldCheck, OFAC, blacklist screening, automated risk scoring (20 seconds)
Instant account creation & welcome
Account number issued, cards ordered, mobile banking activated—customer starts transacting immediately
Comprehensive Onboarding Capabilities
Everything you need for secure, compliant, and instant digital onboarding across all customer segments and products
Unified Onboarding Across All Products
Seamlessly onboard customers for accounts, loans, cards, investments, IPOs, and more through a single platform in under 3 minutes.
Retail, Corporate & Ecosystem Onboarding
Support onboarding for retail customers, corporate entities, diaspora segments, agents, and merchants—all within one centralized solution.
Self-Service & Assisted Journeys
Offer self-service onboarding via mobile, web, kiosk, or chatbot, and assisted onboarding through branch staff, agents, or merchant partners.
AI Automation
Proprietary AI engine for OCR extraction, LLM for document reading, document forgery detection, face-matching, liveness checks, and on-premise deepfake detection to deliver secure, real-time identity verification.
Affordability & Eligibility Checks
Seamless loan origination with real-time affordability check and eligible amount calculations to enable instant, quick loan approvals during onboarding.
Pre-Built Connectors
The platform comes with ready-made integrations to leading core banking systems such as Finacle, Flexcube, and T24, along with direct connectivity to government databases for instant validation and compliance.
Third-Party Checks
Seamless integration to WorldCheck, OFAC, LexisNexis, sanctions and blacklist repositories, and global company registries for comprehensive due-diligence checks.
Post-Onboarding Automation
Once onboarding is completed, automated Day-2 checks and accessory management workflows—such as issuing cards, chequebooks, or additional services—ensure smooth downstream processing.
Configurable Risk & Routing Engine
A fully configurable risk engine to define parameters, assign weights, and automate approvals through an intelligent routing mechanism which can be tailored to meet bank's requirements.
Flexible Product & Process Workflows
With a low-code workflow designer, banks can configure custom product setups, multi-step onboarding journeys, and conditional process flows without relying on IT teams.
Advanced Analytics
The platform provides over 100 pre-built analytics dashboards offering insights across AI performance, application lifecycle, ageing patterns, agent productivity, and conversion trends.
Why Banks Choose BankBuddy.ai for Digital Onboarding
Transform customer acquisition with proven results and enterprise-grade security
Pre-integrated with major core banking systems
vs 50-70% with traditional onboarding
Lower operational costs per account
Enterprise-Ready Features
NIST-Certified Biometrics
ISO/IEC 30107-3 compliant liveness detection with 99.9%+ accuracy, certified by National Institute of Standards and Technology for government-grade security.
On-Premise Deepfake Detection
Proprietary AI models run on-premise to detect sophisticated deepfake attacks, ensuring data sovereignty and protection against emerging fraud vectors.
Multi-Segment Support
Single platform for retail, corporate, SME, merchant, and agent onboarding with customizable workflows and risk policies for each segment.
Pre-Built Core Banking Integration
Direct connectors to Finacle, Flexcube, T24, and 15+ other core systems with automated account creation and real-time status updates.
Business Benefits & KPIs
Measurable outcomes that drive digital onboarding success
85%+ Completion Rate
vs 50-70% with traditional onboarding processes
5 Minutes Average
Complete account opening time from start to finish
30% Cost Reduction
Lower operational costs per account opened
99.9%+ Accuracy
NIST-certified biometric liveness detection
3X More Acquisitions
Increase in new customer acquisition with digital-first onboarding
70% Fraud Reduction
With deepfake detection and biometric authentication
Ready to Transform Your Onboarding Experience?
Join leading banks worldwide that have accelerated their digital onboarding with BankBuddy.ai