New Account Opening & Customer Onboarding
Digital Account Opening Forms:
Complete savings, current, corporate, and investment account openings with secure eSignatures.
KYC & eKYC Processing:
Capture and verify identity documents, address proofs, and PAN cards through Aadhaar eKYC or OTP
verification.
Customer Data Collection:
Automate the intake of personal and financial details, ensuring accuracy and eliminating duplicate entries.
Regulatory Compliance:
Meet RBI and AML guidelines by capturing required declarations and risk assessment forms digitally.
Service Agreements & Disclosures:
eSign welcome kits, terms of service, and account-related disclosures instantly.
Multi-Channel Onboarding:
Enable customers to initiate and complete the onboarding process from mobile, web, or in-branch kiosks.
Credit Card Applications
eKYC Integration:
Integrates directly with eKYC APIs to verify applicant identity in real-time, reducing manual review time.
Digital Form Autofill:
Pre-populates customer data from CRM or banking systems into credit card application forms.
eSignature Authentication:
Uses multi-factor authentication and digital certificates for secure signing of applications and consent
forms.
Document Validation & OCR:
Automatically scans and validates uploaded ID proofs, income statements, and address documents using OCR.
Automated Credit Bureau Checks:
Connects with credit bureau APIs to fetch credit history instantly.
Workflow Routing & Approval Tracking:
Routes applications to the right department and tracks approval status in real-time.
Loan & Mortgage Applications
Integrated eKYC & AML Screening:
Verifies borrower identity and conducts AML checks in real-time.
Smart Form Pre-Population:
Auto-fills loan application data from existing customer records or CRM systems.
eSignature with MFA:
Secures loan agreements and disclosures using encrypted signatures and OTP verification.
OCR-Based Document Verification:
Extracts and validates information from income proofs, property papers, and ID documents.
Automated Credit Scoring Integration:
Connects directly to credit bureau APIs for instant score retrieval and risk assessment.
Rule-Based Workflow Routing:
Routes applications to underwriters, legal teams, or risk officers based on parameters.
Account Maintenance Requests
Digital Change Request Forms:
Pre-filled, authenticated forms for updates like address or nominee changes.
eSignature for Account Modifications:
Legally binds customer authorizations for account changes.
KYC & Identity Revalidation:
Integrates with eKYC APIs to re-verify identity for compliance.
Automated Service Request Routing:
Uses workflow automation to assign requests to the right department.
Linked Product & Service Updates:
Syncs changes across linked savings, loans, cards, and investment accounts.
OCR-Based Document Capture:
Extracts and validates data from submitted proof documents instantly.
Asset Transfers
eKYC & Ownership Verification:
Confirms the identity of both parties and validates ownership records in real-time.
eSignature with MFA:
Secures transfer deeds and agreements with encrypted signatures.
Smart Contract Templates:
Auto-generates legally compliant transfer documents with CRM or registry data.
Blockchain-Based Transfer Recording:
Registers ownership change on a tamper-proof blockchain ledger.
Automated Regulatory Filings:
Integrates with registries to submit transfer details instantly.
Digital Audit Trails:
Logs every action, signature, and document version during transfers.
Regulatory Disclosures
Template-Driven Compliance Forms:
Uses pre-approved digital templates aligned with regulatory formats.
Secure eSignatures & eStamps:
Authenticates disclosures with encrypted eSignatures and eStamps.
Automated Data Population:
Pulls required disclosure data from ERP, CRM, or compliance databases.
Version Control & Change Logs:
Tracks every edit, approval, and disclosure update with timestamps.
Encrypted Document Storage:
Stores disclosures in secure repositories with access controls.
Regulator Portal Integration:
Directly submits disclosures to regulator portals via API.
Checking & Savings Account Forms
Digital Account Opening Kits:
Pre-configured eForms for KYC, FATCA, and personal details collection.
Instant eSign & eKYC:
Verifies customer identity in minutes using Aadhaar or video KYC.
Automated Form Validation:
Ensures mandatory fields and signatures are complete before submission.
Workflow Routing:
Sends forms automatically to branch managers or compliance officers.
Audit-Ready Records:
Maintains tamper-proof records for audits or disputes.
Seamless Core Banking Integration:
Pushes verified data directly into CBS systems.
Proof of Identity Verification (eKYC)
API-Driven Identity Validation:
Connects to Aadhaar, PAN, and government databases for real-time validation.
Biometric Authentication:
Uses fingerprint, facial recognition, or iris scans for verification.
Liveness Detection:
Employs AI-powered video KYC with liveness checks.
Encrypted Data Transmission:
Protects personal data with AES-256 and TLS encryption protocols.
Automated Document OCR:
Extracts and validates ID details from submitted documents.
Immutable Audit Trail:
Records every verification step with timestamps and digital signatures.
Consent & eConsent Forms
Time-Stamped eSignatures:
Captures legally binding, time-stamped electronic signatures with MFA.
Dynamic Consent Templates:
Uses customizable templates to meet regulatory standards.
Real-Time Consent Tracking:
Monitors consent status in dashboards for compliance.
Secure Storage & Encryption:
Stores signed consent documents in encrypted cloud repositories.
Audit Logs & Compliance Reporting:
Maintains immutable logs of consent events for audits.
Automated Renewal & Revocation:
Supports scheduled renewals and revocation through workflows.
