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(Digital Customer Identification)

A one stop solution for all your KYC needs digitally

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Efficient KYC Solutions for Improved Performance in various Industries A robust Know Your Customer (KYC) process is essential for a secure financial services ecosystem and brings advantages to a wide range of industries. Our enterprise-level KYC solution guarantees improved effectiveness and efficiency for businesses in all sectors.

Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC

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HOTEL INDUSTRY

According to a report by Crux Market Research and Markets.com, the global hotel industry is expected to reach a market size of $1.57 billion, with a remarkable compound annual growth rate (CAGR) of 23.4%. However, statistics indicate that organizations suffer a significant 6% annual revenue loss due to fraudulent activities committed by both guests and employee.

This is where Know Your Customer (KYC) becomes crucial. When customers venture outside their homes for business or leisure and seek comfort in hotels, bed and breakfasts, or other accommodations, their safety, security, and peace of mind become paramount. Government-approved KYC ensures precisely that. Through digital KYC validation and customer self- validation, the need for physical copies of personal data is eliminated, resulting in enhanced efficiency and safeguarding privacy.

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BANKING AND FINANCIAL SERVICES

Understanding and managing client information has always been a crucial part of business agreements, allowing proactive risk mitigation across operational, financial, and reputational aspects. The Financial Action Task Force on Money Laundering (FATF), an intergovernmental established during the G7

Summit in Paris in 1989, plays a vital role in the fight against money laundering. The FATF diligently examines money laundering techniques, evaluates global efforts, and proposes measures to maintain vigilance. Shortly after its formation, the FATF published a comprehensive report outlining Forty Recommendations, providing a blueprint of necessary measures—both regulatory and operational—to combat money laundering. In the financial services sector, Know Your Customer (KYC) serves as a critical tool to prevent identity theft, terrorist financing, money laundering, and financial fraud. With the use of our application, KYC can be conveniently performed from anywhere, as we offer geolocation and real-time activity verification features. By implementing the KYC process, financial institutions and businesses gain a deeper understanding of their customers. Adhering to regulatory norms, including those set by the Reserve Bank of India (RBI), KYC has become a mandatory requirement, reinforcing its importance in ensuring a secure and transparent financial ecosystem.

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EDUCATION

In response to the concerning rise in the submission of counterfeit credentials for university admissions, educational boards have made Know Your Customer (KYC) processes mandatory across universities nationwide. This requirement aims to tackle the widespread use of fraudulent documents. KYC is not

only vital during the admission process also during examinations to minimize or eliminate the alteration of hall tickets and prevent impersonation of candidates. Our application provides a reliable solution for any examination, be it university admissions, schools, colleges, or other educational institutions. It ensures accurate identification of the correct candidate and effectively prevents impersonation. By implementing our KYC system, institutions can maintain the integrity of their exams and protect the fairness of the evaluation

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MATRIMONIAL

In the current context where we often lack knowledge about a person’s true identity, identity verification becomes incredibly important. Marriage, a significant life decision, relies on trust, transparency, and honesty. However, the traditional practice of localized marriages is becoming challenging in a world where people are increasingly mobile, seeking better opportunities and education. As joint families give way to nuclear

families and individuals explore potential partners through various channels like friends, colleagues, clients, or matrimonial sites, important questions remain unanswered. Establishing a secure union requires identity verification of your soul mate or marriage partner. This is where Know Your Customer (KYC) comes into play. Digital identity verification enables users to validate the online identities of individuals, overcoming the opacity and uncertainty surrounding virtual connections. Implementing KYC measures safeguards matrimonial platforms from fraudsters who aim to deceive victims financially or cause embarrassment. Trust is of utmost importance, and KYC plays a pivotal role in fostering trust among customers in the realm of matrimony.

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LEASE

In order to provide peace of mind for both tenants and landlords when entering into a rental agreement, we strongly believe that Know Your Customer (KYC) should be conducted for both parties involved. This practice is gradually gaining recognition in certain parts of India and is crucial for ensuring the safety and suitability of the agreement. One essential step is establishing the ownership of the property and verifying the identity

of the landlord. KYC plays a vital role in confirming that the property is registered under the claimed landlord’s name and that the person the tenant is dealing with is genuinely who they claim to be. Given the financial commitments and obligations involved for both parties, KYC becomes even more critical in ensuring a secure and transparent rental transaction. By performing thorough KYC checks, both tenants and landlords can have peace of mind, knowing that they are entering into an agreement with legitimate and trustworthy individuals.

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GOVERNMENT

Governments are committed to implementing welfare initiatives that truly benefit the intended population. To ensure the effectiveness of these programs, Know Your Citizen (KYC) verification plays a crucial role. In today’s world, where people seek fast, secure, and privacy-focused services, leveraging technology is essential. KYC verification ensures that the person interacting through a screen is indeed who they claim to be. By providing

accurate information and preventing identity fraud, KYC saves valuable time for both government employees and citizens. With the convenience of completing KYC verification from the comfort of their homes using a smartphone, citizens are no longer required to visit government offices or share physical KYC documents. This robust verification process guarantees that government projects reach the correct beneficiaries, enhancing the overall efficiency of welfare measures. By implementing KYC, the government can better serve its citizens, improve service delivery, and safeguard against fraudulent activities.

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Enhancing Security and Safety in Mass Gatherings

The Know Your Customer (KYC) process proves to be invaluable in ensuring the security and safety of attendees in mass gatherings such as shopping malls, parks, sporting events, concerts, and more. By implementing KYC procedures, potential threats can be identified and minimized, creating a Enhancing Security and Safety in Mass Gatherings secure environment

for everyone involved. KYC enables the verification of individual identities and the collection of pertinent personal information, bolstering security measures and promoting peace of mind for attendees. In addition to mitigating risks, KYC helps prevent unauthorized access to mass gatherings, ensuring that only verified individuals are granted entry. This streamlined process not only strengthens security but also contributes to the smooth flow of attendees. Whether it’s a bustling shopping mall or a packed concert venue, KYC plays a crucial role in maintaining order, optimizing the overall experience, and safeguarding the well-being of all participants. Embracing the KYC process in mass gatherings fosters a secure environment where attendees can fully enjoy their chosen events while organizers can prioritize the safety and satisfaction of their visitors.

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Public Transport and Ticketing

The Know Your Customer (KYC) process is not only limited to financial institutions but can also be implemented in the purchase of bus, train, and other public transport tickets. By incorporating KYC, passengers can have peace of mind knowing that their fellow travelers have been verified and that safety measures are in place. KYC enables the collection of essential information and identity verification, ensuring a secure and reliable public

transportation system. In the context of public transport, KYC plays a vital role in enhancing safety and security. By implementing KYC procedures, transportation authorities can identify potential risks, prevent unauthorized access, and create a more secure environment for commuters. Whether it’s boarding a bus, train, or any other mode of public transport, the KYC process adds an extra layer of confidence for passengers, knowing that their fellow travelers have gone through the necessary verification process, promoting a safer and more reliable journey.

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Hospital admission

(KYC) process in hospital admissions serves as a critical measure to ensure that the right beneficiaries receive medical benefits and prevent the misuse of healthcare services. By verifying the identity of patients and collecting relevant personal information, KYC helps healthcare institutions maintain transparency and accountability in their operations. This process plays a crucial role in safeguarding the healthcare system,

guaranteeing that medical resources are allocated to those who genuinely need them. KYC in hospital admissions not only promotes fairness and integrity but also helps prevent fraudulent activities and identity theft. By conducting thorough identity verification and gathering necessary data, healthcare providers can accurately identify patients, match them with their medical records, and ensure appropriate billing and treatment. The KYC process adds an extra layer of security, protecting patients’ confidential information and minimizing the risk of medical fraud. Ultimately, KYC enables healthcare institutions to deliver efficient, trustworthy, and patient-centered care while safeguarding the integrity of their services.

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FEATURES

Validation in less than 1 minute

In the fast-paced world we live in, minimizing validation time is vital to meet customer expectations. With rapid technological advancements, lengthy validation procedures can lead to customer disengagement. At our

company, we prioritize delivering an exceptional customer experience by providing seamless end-to-end validation that takes less than a minute. Our efficient process ensures swift and hassle-free customer verification, allowing businesses to focus on building stronger relationships and maximizing customer satisfaction.

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Security

As the internet continues to shape global business activities, the Indian government’s drive toward digital transactions has propelled the economy further. However, with the surge in online transactions comes the need to

address the associated risks. Online privacy has become a paramount concern, with individuals seeking protection against fraudsters, banks, and businesses. Heightened awareness of data breaches and targeted marketing has led to a reduction in digital footprints and increased skepticism toward government- operated services. At our company, we prioritize data security in our KYC solutions. We employ top- level encryption and field-level encryption to ensure the utmost security for your sensitive information. Our KYC Register adheres to stringent privacy and data protection requirements, allowing you to focus on your core business while we safeguard your valuable data

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Geotagging

In the ever-evolving digital world, pinpointing a customer’s precise location during sign-up can be a daunting task. However, with the advent of geolocation technology, the KYC process is revolutionized. By

harnessing the power of geolocation, KYC providers can effortlessly streamline compliance and simplify the verification journey, ensuring accurate location-based validation. Geolocation technology brings forth a multitude of advantages, particularly in terms of identity theft protection and fraud prevention. By precisely identifying the user’s geographical location, KYC solutions become more efficient and effective, providing enhanced security measures. With geolocation technology at the forefront, businesses can rest assured that the verification process is streamlined, accurate, and aligned with regulatory standards

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cloud-based application

In today’s digital landscape, harnessing the capabilities of cloud technology has become essential for streamlined processes and enhanced efficiency. Our KYC solutions are no exception , as we offer a robust, cloud-based application that revolutionizes the way Know Your Customer processes are conducted. By leveraging the power of the cloud, we

enable businesses to seamlessly validate customer identities, perform thorough screenings, and mitigate risks, all within a secure and scalable environment. With our cloud-based KYC solution, organizations can enjoy the benefits of real- time access, data synchronization across multiple devices, and simplified deployment. The cloud infrastructure ensures uninterrupted service availability, data redundancy, and advanced security measures to safeguard sensitive information. Embracing the cloud empowers businesses to expedite customer onboarding, streamline compliance procedures, and gain a competitive edge in an increasingly digital world

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Real Time Validation

Know Your Customer (KYC) verification has become a crucial component of the Customer Due Diligence (CDD) process, serving as the industry standard for regulatory compliance. It applies not only to the BFSI sector but also to any industry that engages with customers. Ensuring due diligence of customers is vital to mitigate potential legal risks in the future.

By harnessing the power of our AI-based digital identity verification service, which incorporates image and video-assisted customer verification technologies, machine learning capabilities, and deep search algorithms, we guarantee swift KYC validation, enabling you to scale your business efficiently.

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Self Validation

Forget about sharing your passports, Say goodbye to traditional validation methods that require sharing sensitive identification documents with third parties. With self-validation, you can ensure utmost privacy and security without disclosing any confidential information to others. Aadhar cards, or driving licenses. Instead, all you need to provide is your email

address or mobile number. Once entered into the system, you’ll receive a secure link that enables you to proceed with self- validation, eliminating the need to share personal data with anyone else. This innovative approach guarantees unparalleled security, as your personal details remain confidential and are never shared with third parties. Experience a seamless and secure validation process while maintaining complete control over your privacy

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Assisted validation

Experience hassle-free KYC validation by simply providing your Aadhar card number. No need to disclose any additional details, making the process quick and convenient. With our streamlined approach, you can ensure efficient and secure validation without the need to share sensitive personal information. By eliminating the need for extensive data sharing,

we prioritize your privacy and security. Enjoy the peace of mind that comes with KYC validation that respects your confidentiality while adhering to regulatory requirements.

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FLOW

The types of validation that are accepted are Aadhar Card,
Voter ID, Driving License and Passport.

FLOW

The types of validation that are accepted are Aadhar Card,
Voter ID, Driving License and Passport.

Aadhar Card validation can be done through OCR technology, Aadhar Card number or through QR code. Voter ID, Driving license and passport can be done using OCR technology.

The details are then sent to the respective Government database and details retrieved. These details are then mapped to the picture taken at the time of validation.

If all inputs are matching, the KYC is
successfully completed

Aadhar Card validation can be done through OCR technology, Aadhar Card number or through QR code. Voter ID, Driving license and passport can be done using OCR technology.

The details are then sent to the respective Government database and details retrieved. These details are then mapped to the picture taken at the time of validation.

If all inputs are matching, the KYC is
successfully completed

KYC successfully completed.

If all inputs are matching, the KYC
is successfully completed.

FLOW

The types of validation that are accepted are Aadhar Card,
Voter ID, Driving License and Passport.

Aadhar Card validation can be done through OCR technology, Aadhar Card number or through QR code. Voter ID, Driving license and passport can be done using OCR technology.

The details are then sent to the respective Government database and details retrieved. These details are then mapped to the picture taken at the time of validation

The details are entered into either a laptop, Android phone or Apple IOS for validation.

If all inputs are matching, the KYC is successfully completed.

FLOW

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Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Aadhar Card

Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world

Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world

Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world

Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world
Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world
Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world
  • Scan the document
  • Determine type of document
  • Convert OCR to Text
  • Validate against classified database

Voter ID

Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world

Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world

Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world

  • Detect Face in image
  • Normalize Facial landmarks
  • Extract Facial features
  • Match/Verify against live image or database

FingerPrint Scan

Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world Data is highly secure!!!.

We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world hour in this complex digital world
  • Fingerprint Sensor
  • Feature extraction
  • Fingerprint classifier
  • Validate against classified database

IRIS Scan

Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world Data is highly secure!!!. We have both field level and record level encryption making the data highly secure which is the need of the hour in this complex digital world

Data is highly secure!!!. the hour in this complex digital world Data is highly secure!!!.
  • Image acquisition
  • Iris Segmentation
  • Normalization
  • Feature extraction
  • Validation against template or database

PRICING

TEAM

Management Team

Siva Bandaru

Qualified Engineering, Law, and Management graduate. Financial service professional with extensive work experience in Asia, the Middle East, and

Chief Business Officer

Vijay Achanta

Siva Bandaru

Has 28 years of extensive technology experience across major financial institutions:
1) Merrill Lynch
2) Prudential Financial

Chief Technology Officer

Advisors

George Oommen

Name: George Oommen
Age: 69
Gender: Male
Nationality: Malaysian

Chief Business Officer

F.A.Q

Digital KYC is paperless process for KYC to complete the entire KYC process within few minutes, so that your identity is established and you are ready to go forward.

Complete your tasks in a matter of minutes! Our process is incredibly smooth, seamless, and efficient, ensuring a hassle-free experience for you.

You can contact us on enquiry@digitalcid.com mentioning your id used for the purpose of KYC.

The process is completely paperless. You don’t have to submit any of the documents anywhere.

With Video KYC, a regulated entity can establish an account-based relationship with a customer without the need for a physical face-to-face meeting. This innovative solution enables a seamless and convenient onboarding process, eliminating the need for in-person interactions.

Aadhar Card – OTP based, OCR based, QR code based.
Pan Card – OCR based
Voter ID – OCR based
Passport – OCR based.

No. Real time picture of the customer is the only way permissible for KYC verification.

Video KYC can be conducted either by the company you are engaging with or, upon request, you can perform it yourself from the comfort of your home!

The RBI promotes the use of advanced artificial intelligence solutions to compare the images from
PAN/Aadhaar with the customer’s live video call. This process confirms that the customer is in possession of valid identification.
Our software performs live facial recognition, accurately matching it with the picture stored in the Government database. This triple-check process guarantees the legitimacy of the customer. Any attempt at spoofing or identity manipulation is promptly detected and flagged for further review.

An OCR, which stands for Optical Character Reader, is a technology used to scan and verify documents during the video KYC process.

At the beginning of the verification process, the customer’s ID is scanned using either OCR, OTP, or QR code, depending on the requirements.

Then, a live picture of the customer is captured and compared with the corresponding ID database for authentication purposes. This ensures that the customer’s identity is verified accurately.

Currently, the verification process involves running OCR algorithms to compare the photo and signature of the prospect with the information on their passport. This helps ensure the accuracy and authenticity of the identification documents.

According to RBI guidelines, videos are required to be stored on the REs servers. However, for industries such as gaming, aggregators, logistics, etc., where there are no specific guidelines, digitalcid offers a solution by
providing storage facilities on our server, eliminating any storage-related issues.

Certainly! KYC is an important component of the broader Anti-Money Laundering (AML) initiatives undertaken by regulatory authorities. It plays a crucial role in mitigating the risk associated with fraudulent activities and high-risk individuals or businesses. By conducting KYC, we can effectively identify and verify these entities either before or at the time of onboarding, thereby reducing the potential harm they may pose.

Failure to comply with Anti-Money Laundering (AML) guidelines can have significant consequences, ranging
from substantial penalties imposed by regulatory authorities to the extreme measure of license revocation. In the worst-case scenario, non-compliance can lead to the cancellation of licenses. According to certain estimates, the financial impact of non-compliance with AML regulations can be substantial. Smaller firms may incur costs of up to 0.83% of their total assets, while larger firms may face costs of up to 0.08% of their total
assets.

CONTACT US

Someone will get back to you in 24 Hrs.

Testimonials

Worldline

Veera Raghavan

Veera Raghavan

General Manager – Corporate Sales

I have used the app and found that it is very useful for the hotels and other merchant segment who use id proof for verification. This would help the merchants have only genuine customers at their outlet. This should be mandated by the government to be used by all the merchants. As Worldline we are excited to partner with you where verification and payment can be done through a single Android Payment device.

ADDRESS

Hyderabad, Telangana, India

CALL

+91-9697112999 – DigitalCID

MAIL


contact@digitalcid.com

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