Automated identity verification for high-volume digital onboarding
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Solution built around Auto-identOn
Regulated FinTech / Digital Banking
EU-based regulated FinTech
Overview
Automation-first identity verification implemented to support high-volume digital onboarding, allowing most customers to complete verification without human involvement, while routing exceptions to agent-led video verification when required by policy.
Challenge
The client needed to scale onboarding volumes without scaling manual review, while maintaining consistent verification outcomes and defensible evidence for regulated environments. Mandatory video verification for all applicants created unnecessary friction and operational load, especially for low- and medium-risk profiles.
Solution
Using Auto-identOn, the onboarding flow applied automated identity verification by default, including ID capture, liveness checks, and face matching. Policy-driven rules determined when verification could complete automatically and when cases required escalation.
Exceptions were routed to agent-led verification via MeetOn and VidentOn, ensuring controlled step-up handling with traceable decisions and consistent evidence across automated and human verification paths.
Verification outputs and evidence were integrated into downstream onboarding and reporting workflows via DataOn.
Outcome:
- Majority of onboarding journeys completed through automated verification
- Reduced reliance on mandatory video checks for lower-risk profiles
- Lower operational effort by focusing agent capacity on exception cases
Product Scope
Title text
Automated identity verification
Enable automated identity verification to scale digital onboarding and reduce manual review
Biometric verification
Perform biometric checks using active liveness detection and facial m
Policy-driven routing
Apply verification rules consistently to route each case to the appropriate path based on risk and policy.
Exception handling
Isolate higher-risk or non-standard cases efficiently without slowing down the majority of onboarding journeys.
Integration with agent-led verification
Connect automated checks with agent-led review to enable a smooth and controlled escalation when needed.
Reporting and visibility
Provide clear visibility into verification outcomes, exception volumes, and supporting evidence across the onboarding process.