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DOT – Digital Onboarding Toolkit: Revolution in Onboarding Process

DOT – Digital Onboarding Toolkit: Revolution in Onboarding Process

DOT is an automated customer authentication and digital onboarding solution aimed at banks, financial institutions, and any organization wishing to simplify the onboarding of customers.

Using our fully digital onboarding tool, customers can open a bank account, apply for a loan, or place an order without having to visit your premises. DOT is a ready-to-deploy technology which integrates optical character recognition (OCR) and industry-leading facial biometrics into your mobile application.

Built using artificial intelligence, DOT works in three easy steps:

1: Take a picture of your ID document
2: Confirm your data
3: Verify your identity by taking a selfie

1. Take a picture of your ID

AI-powered OCR technology works accurately and reliably, even with low-quality images. It enhances the captured photo, normalizes the ID, detects the ID image for Know Your Customer (KYC) compliance and automatically pre-fills the extracted personal data into the predefined fields.

2. Confirm your extracted data

Once the data is pre-filled, the user is prompted to check the correctness of the extracted data and is notified if there is a low confidence level in some fields.

3. Take a selfie

The user takes the selfie and goes through the liveness verification check to verify their identity using facial recognition technology. DOT performs the identity check, matching the selfie picture to the picture captured from the ID. If the verification is successful, the user is allowed to proceed to account opening.

 

Welcome to your account

Once the account is opened, users can choose facial authentication to access the account via their mobile phone. Selfie login and continuous identity verification protect mobile banking users from fraud and account misuse.

Spoof proof technology

Developed with security and user experience in mind, Innovatrics’ unique approach to liveness detection is a highly reliable method of proving the liveness of a face in an image.

In order to prove liveness, the user is prompted to follow a randomly moving dot on their screen. Using the device’s frontal camera, our technology scans the user’s eye movement, face features, and light conditions. The whole process is fast, accurate and user-friendly. Above all, it protects you and your customers against spoofing and account misuse.

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