Case Study
Implemented a mobile-first eKYC platform for a leading middle eastern bank
Discover how we enabled a leading Middle Eastern bank to modernize its customer onboarding journey by implementing a mobile-first eKYC solution—reducing onboarding time to minutes, minimizing manual effort, and strengthening regulatory compliance across multiple regions.
Output Achieved
About the project
Our client, a leading bank operating across the UAE and the broader Middle East with expansion initiatives in India, embarked on a strategic transformation to modernize its customer onboarding and identity verification processes. As digital channels became the primary mode of customer acquisition, the bank aimed to replace manual, branch-dependent KYC processes with a secure, scalable, and regulator-compliant electronic Know Your Customer (eKYC) solution—capable of supporting high onboarding volumes while maintaining strict compliance standards.
The Challenge
The bank’s traditional onboarding process faced multiple operational and customer experience challenges:
Heavy dependence on manual document verification and branch visits
Long onboarding timelines, leading to customer drop-offs
High operational cost due to manual KYC processing
Increasing fraud risk without real-time biometric verification
Complex regulatory requirements across UAE, Middle East, and India
Need for seamless integration with existing digital banking platforms
The bank required a future-ready eKYC solution that could deliver fast, secure, and compliant onboarding at scale.
Our Approach
Digichorus implemented a mobile-first eKYC solution designed to enable end-to-end digital onboarding while meeting regional regulatory and security requirements.
Mobile-First eKYC Implementation
The solution allows customers to complete identity verification securely using their smartphones, eliminating the need for physical branch visits.
Key design principles:
Regulator-aligned identity verification workflows
Secure biometric and liveness validation
Seamless integration with existing banking systems
Frictionless user experience for faster onboarding
Key Functional Capabilities
Digital Document Verification
Customers can scan and upload government-issued identity documents such as passports or national IDs through the mobile application. Documents are validated using trusted identity verification frameworks to ensure authenticity, accuracy, and compliance.
Biometric & Liveness Verification
Customers complete live facial verification using guided selfie capture.
Facial biometrics are matched against document images to confirm customer presence and significantly reduce impersonation and fraud risks.
End-to-End Digital Onboarding
The solution enables a fully paperless onboarding journey, removing manual document handling and reducing dependency on physical branches.
Security and Compliance Reinforcement
To meet stringent banking and regulatory standards, the solution was built with strong security and compliance controls:
Secure biometric authentication and liveness checks
Encrypted data transmission and storage
Audit-ready workflows aligned with regional KYC and AML regulations
Compliance support for UAE, Middle East, and Indian regulatory frameworks
Solution
The implemented eKYC platform delivers a scalable, secure, and high-performance onboarding experience with the following capabilities:
Digital identity document capture and verification
Biometric and liveness-based customer validation
Real-time verification workflows
Seamless integration with core banking and digital channels
High-volume onboarding readiness for multi-market operations
The Impact
The implementation delivered measurable improvements across operational efficiency, customer experience, and compliance readiness:
Customer onboarding time reduced from hours to under 3 minutes
80% reduction in manual KYC processing effort
Improved first-time verification success rates, reducing rework and follow-ups
Higher adoption of digital onboarding channels
Enhanced readiness for regulatory audits across regions
The bank reported positive customer feedback due to faster onboarding, improved ease of use, and a smoother digital journey—supporting increased digital engagement and acquisition.
Value for UAE, Middle East & India Banks
This eKYC solution is particularly suited for banks operating across the UAE, Middle East, and India due to:
Alignment with regional KYC and AML regulations
Support for high-volume, digital-first customer onboarding
Mobile-first experience tailored for digitally active populations
Scalable architecture for multi-country banking operations
Result
This engagement demonstrates Digichorus’s proven capability to deliver secure, compliant, and scalable eKYC solutions for banks across multiple geographies.
The solution empowers financial institutions to accelerate digital onboarding, reduce operational costs, and enhance customer experience—while maintaining the highest standards of security and regulatory compliance.
