Solution Description 

A secure, end-to-end digital onboarding and eKYC platform that enables banks to verify new customers without physical paperwork or branch visits. The platform digitizes the entire onboarding journey—from data capture and document upload to biometric verification and risk assessment—ensuring regulatory compliance while delivering a fast, frictionless customer experience. It accommodates Libya’s current identity ecosystem, supports Arabic/English workflows, and integrates with national identity registries, AML screening tools, and core banking systems. Designed for scalability, the platform streamlines onboarding for retail customers, SMEs, and corporate entities.

What Does It Involve?

• Digital forms with OCR-based auto-filling
• Document upload (ID, proof of address, corporate docs)
• Face match & liveness detection
• Sanctions & AML list screening
• Risk scoring & approval workflow
• API integration with core banking
• Audit trail & compliance reporting
• Multilingual onboarding journey (Arabic/English)

How Does It Work?

1. Customer accesses onboarding via mobile, portal, or branch tablet.
2. System captures ID and documents using OCR and auto-validates data.
3. Facial recognition and liveness checks verify identity.
4. Data is screened against AML, sanctions, and watchlists.
5. Automated scoring determines onboarding risk level.
6. Approved profiles are pushed into the core banking system.
7. Customer receives digital confirmation and account credentials.

Business Benefits

• Cuts onboarding time from days to minutes
• Reduces branch load and manual paperwork
• Minimizes fraud with biometric verification
• Ensures compliance with AML/KYC regulations
• Enhances customer satisfaction and acquisition rates
• Supports remote, mobile-first banking adoption
• Lowers operational costs significantly
• Enables standardized digital onboarding across all branches