The Challenge

How to make the fully remote digital customer onboarding process fast and secure—without compromising user experience.

Meeting regulatory requirements while offering a fully remote onboarding experience is a significant challenge for banks. A key element of this challenge is secure identity verification. Banks must reliably verify who their customers are, while also delivering a seamless and fully digital onboarding experience that today’s customers expect.

Traditionally, onboarding at banks required new customers to visit a branch in person, complete paper-based forms, and provide physical identity documents. This process was slow—often taking on an hour—labor-intensive, and prone to human error.

The Solution

Fast and secure online identity verification, embedded directly in the bank’s own mobile app

With biometric identification technology, banks can now verify their customers’ identities remotely in as little as one minute. Customers simply read their government-issued ID with their mobile phone and take a selfie. Candour’s identity verification then compares a selfie to the image on the ID document in real time.

Once the identity is verified, the remaining onboarding steps are completed quickly and securely. Some fields can even be auto-filled using the data extracted from the ID document, speeding up the process further.

This streamlined remote onboarding process saves time, reduces friction for the customer, and lowers the risk of identity fraud for the bank. As digital services and remote access become the norm, the need for secure and user-friendly identity verification has never been greater.

Candour Identity supports both onboarding and login for external third-party services:

• Biometric data (facial image and passport) is securely stored on the backend. Optionally, reference data can also be encrypted and stored locally on the user’s device if required.

• The backend handles encryption and manages secure data flows within the mobile application.

• The identity engine compares newly captured selfies with previously stored reference data to validate the user’s identity.

• Candour Identity’s backend integrates securely with the bank’s systems via API.

• Mobile banking applications can integrate the fully embedded Candour ID SDK, providing a seamless and secure user experience.