Digital onboarding refers to the process of signing up a new customer to an online account or service remotely. This is typically done on a user’s device.
To authenticate someone every time they use your website or app, you have to establish who they are during your first online interaction. In some sectors, this can be relatively low-touch — for example, most retail sites don’t need to do a full identity check before they sell you something.
However, in many industry sectors, organizations must verify that an individual is the rightful owner of the asserted identity. Banks and other regulated industries, for example, must comply with know-your-customer (KYC) regulations, which require identity checks to combat money laundering.
This process of onboarding (also known as enrollment, account opening, or registering) traditionally took place in a branch office, where tellers checked that a photo ID matched the face of the person standing in front of them.
Today, most people lead digital lives, so when they create a digital identity with a service provider, it needs to be achieved securely online — and not just for banks but for any scenario in which an individual is registering for a secure service.
Face biometric technology enables the digital onboarding process to be completed online in a way that is both highly secure and highly user-friendly. A user can scan their government-issued ID document (such as a driver’s license) using their mobile device, desktop computer, or kiosk.
They then scan their face. Within seconds, iProov technology confirms that the physical face matches the photo in the document and that the individual is a real person and that they are physically present right now. Other verification technologies cannot provide the same assurance that an online individual is who they claim to be.
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