Verify Identity & Perform Enhanced Due Diligence with

DigiKYC

Streamline your KYC and KYB Operations at scale for customer onboarding while being 100% compliant with regulations

Identity and Business Verification

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ID OCR Analysis

Complete data extraction and user image retrieval through advanced Image detection with Digio ID OCR

  • Data extraction directly from IDs to simplify customer data capture

  • Verification of extracted data with central databases

  • ID classification and validation for custom rule engines

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Digilocker Integration

Easy access to certified, Govt. issued documents for customer verification

  • Seamless user experience with a single authentication step

  • Access multiple ID documents like PAN, Aadhar, Voter ID, DL etc.

  • Fully compliant under PMLA and KYC guidelines by central regulators

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KYB Verification for businesses

Comprehensive verification and screening of non-individuals and businesses

  • 360 degree business view with verified documents of non-individuals

  • Coverage for GSTIN, PAN, CIN, TIN, DIN, MSME/Udyog Aadhaar, FSSAI

  • Screen business risks such as MCA defaults, indirect tax compliance etc.

Impersonation Checks

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Liveness Detection with location and VPN Checks

Enforce liveness checks (both active and passive) to verify the presence of a person and prevent identity theft

  • 20+ checks to determine Selfie Liveness and Integrity

  • Junk/invalid images rejected at source with 99.6% accuracy

  • Verifiable audit trail for business compliance checks

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Selfie Verification with Face Match

Selfie verification using facial recognition to assess the authenticity of facial images.

  • Face dedupe across large scale image sets to prevent frauds

  • Real time Face match with photo ID and Geo-tagging

  • Time stamped verification reports for compliance audits

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Video KYC - Self and Assisted Video KYC

Simplify workflows with powerful digital signature features

  • Conduct real-time identity verification using high-quality video interaction for customer onboarding, ensuring KYC compliance

  • Real time Facial recognition and Geo-location verification

  • Auto adjustment of video quality based on network strength

  • Multi agent support with agent productivity features such as call reminders, calendar integrations, in-call chat and file sharing

Enhanced Due Diligence

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Bank Account Verification

Comprehensive Bank A/C Verification, including Penny drop Standard (Re. 1), Custom, Penniless, and Reverse via UPI

  • Built-in failover mechanism with multiple sponsor bank integrations

  • Integrity checks on customer name as per KYC and Bank records

  • Best-in-industry latency with verification turn around at 1.8 seconds

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CKYC and KRA Checks

Enhance onboarding efficiency and achieve substantial cost savings by utilizing a single CKYC API

  • Update CKYC, KRA records for new customers with a single API

  • Save time with search and download of existing CKYC/KRA records

  • Reduce operational costs and provide a seamless onboarding experiences

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Account Aggregator

Retrieve financial information of customers with a consent based data sharing framework

  • Determine credit worthiness using alternate data from a customer’s bank statements, investments, insurance policies etc.

  • Perform enhanced due diligence on financial transactions of a customer

  • Implement conditional logics by building financial ratios over customer data

Studio USPs

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Orchestrate end-to-end Onboarding for Individuals and Businesses with DigiStudio

Business Workflow builder for end-to-end customer or client onboarding

  • Drag & Drop reconfigurability with auto-approval mechanism

  • Onboarding journey traceability and analytics

  • Configure complex business validations to ensure full compliance

Leverage insights, enhance your KYC workflows

leverage insights, enhance kyc workflow
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Achieve Measurable Business Value with comprehensive DIGIKYC Suite

60%

Operational cost Reduction

95%

Turnaround time (TAT) Reduction

75%

Improvement in Workforce productivity

3X%

Business Scale Achieved

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FAQ

01

Can I do KYC using DigiKYC?

DigiKYC allows you to implement KYC processes through built-in Aadhaar Offline XML KYC, built-in DigiLocker integration, ID Card parsing and analysis, and Video IPV (V-CIP).

After the Supreme Court’s judgement in 2018 disallowing the use of Aadhaar-based KYC services by private companies, the Unique Identification Authority of India (UIDAI) proposed a solution - an offline Aadhaar verification system.

Offline Aadhaar KYC verification is voluntary, paperless, and driven solely by the Aadhaar-number holder. In addition, core biometrics are not required, and data is private and secure. Aadhaar Paperless Offline e-KYC eliminates the need for a holder to provide a physical copy of an Aadhaar letter. Instead, one can download the KYC XML file and provide it directly to the agency requesting KYC.

The XML file includes the following details:

  • Resident Name
  • Download Reference Number
  • Address
  • Photo
  • Date/Year of Birth
  • Mobile Number (in hashed form)
  • Email ID (in hashed form)

This data is encrypted using a “share phrase” provided by the Aadhaar-holder at the time of file download, which is to be shared with the agency to read the KYC data.

ID Card parsing refers to the extraction of data from a given identity card or document. Parsing can be done through effective Optical Character Recognition (OCR), which involves the identification of printed characters through computer software.
DIGIKYC allows you to upload images of PAN cards, Aadhaar cards, etc., and extract relevant data for KYC purposes.

DigiKYC makes customer onboarding and KYC simpler through the following:

  • Video In-Person Verification
  • Aadhaar Offline XML/QR KYC
  • DigiLocker Integration
  • ID Card Parsing & Analysis

In September 2018, the Supreme Court disallowed the use of Aadhaar-based eKYC services by private companies due to data privacy concerns.

Currently, Aadhaar-based eKYC is allowed only for select entities with licenses, such as banks, telcos, and government organizations. These entities have to pay a fee of Rs. 20/transaction to UIDAI.

On the other hand, Aadhaar offline KYC is available to all enterprises in the form of XML files or via QR codes. Aadhaar offline KYC is cheaper, voluntarily driven by the Aadhaar-number holder, and data is private and secure. The Aadhaar-holder just needs to download the XML file and share it directly with the agency requesting the KYC process.

Integration is quick and seamless and requires no additional infrastructure or licenses. The DigiKYC widget gets triggered directly from your business’ web platform or mobile application.
DigiKYC allows you to save a significant amount of time, as the need for physical in-person verification and paper document validation is eliminated. In addition, you can save on operational expenditure and paper.
DigiKYC can be used for a variety of use cases, including customer onboarding KYC and vendor/customer background verification.