- Banking
- Business process automation
Remote identity verification through selfie authentication in a digital bank account opening process
30 min
30 %
8 x
100 +
10 +
5 x
Challenge
Security vs. Conversion – a classic conflict of priorities in Banking
On one side, the Product and Digital Banking teams required the process to be as simple as possible – every additional step reduced conversion rates. On the other, Risk, Compliance, and Security departments imposed verification requirements that could not be compromised. The existing model, based on contract signing with a courier, was costly, time-consuming, and increasingly incompatible with the expectations of mobile banking customers.
Key Requirement
Project
Integrating a Selfie verification component across 8 departments and 10+ systems
The proposed selfie-based verification solution proved to be a compromise acceptable to all stakeholders – simplifying the customer journey while meeting the bank’s security and compliance requirements.
Finture’s experience enabled the seamless integration of the selfie verification component into the bank’s complex environment, involving 8 departments, more than 100 integration services, and over 10 internal systems.
Solution
30 minutes, no courier, full security
Following implementation, customers rapidly adopted the new onboarding journey – 30% of remote account opening applications are now completed using selfie-based identity verification. Eliminating the courier step entirely reduced the time from application submission to account opening to just 30 minutes, while simultaneously increasing the overall security of the process.
Key Decision
Results
30 min
30 %
8 x
100 +
10 +
5 x
Udostępnij
Client
Sector
Service
Technologies
Competencies
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Krzysztof Chyliński
Head of Advisory
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