Streamline your KYC and KYB Operations at scale for customer onboarding while being 100% compliant with regulations
Identity and Business Verification
ID OCR Analysis
Complete data extraction and user image retrieval through advanced Image detection with Digio ID OCR
Data extraction directly from IDs to simplify customer data capture
Verification of extracted data with central databases
ID classification and validation for custom rule engines
Digilocker Integration
Easy access to certified, Govt. issued documents for customer verification
Seamless user experience with a single authentication step
Access multiple ID documents like PAN, Aadhar, Voter ID, DL etc.
Fully compliant under PMLA and KYC guidelines by central regulators
KYB Verification for businesses
Comprehensive verification and screening of non-individuals and businesses
360 degree business view with verified documents of non-individuals
Coverage for GSTIN, PAN, CIN, TIN, DIN, MSME/Udyog Aadhaar, FSSAI
Screen business risks such as MCA defaults, indirect tax compliance etc.
ID OCR Analysis
Complete data extraction and user image retrieval through advanced Image detection with Digio ID OCR
Data extraction directly from IDs to simplify customer data capture
Verification of extracted data with central databases
ID classification and validation for custom rule engines
Digilocker Integration
Easy access to certified, Govt. issued documents for customer verification
Seamless user experience with a single authentication step
Access multiple ID documents like PAN, Aadhar, Voter ID, DL etc.
Fully compliant under PMLA and KYC guidelines by central regulators
KYB Verification for businesses
Comprehensive verification and screening of non-individuals and businesses
360 degree business view with verified documents of non-individuals
Coverage for GSTIN, PAN, CIN, TIN, DIN, MSME/Udyog Aadhaar, FSSAI
Screen business risks such as MCA defaults, indirect tax compliance etc.
Impersonation Checks
Liveness Detection with location and VPN Checks
Enforce liveness checks (both active and passive) to verify the presence of a person and prevent identity theft
20+ checks to determine Selfie Liveness and Integrity
Junk/invalid images rejected at source with 99.6% accuracy
Verifiable audit trail for business compliance checks
Selfie Verification with Face Match
Selfie verification using facial recognition to assess the authenticity of facial images.
Face dedupe across large scale image sets to prevent frauds
Real time Face match with photo ID and Geo-tagging
Time stamped verification reports for compliance audits
Video KYC - Self and Assisted Video KYC
Simplify workflows with powerful digital signature features
Conduct real-time identity verification using high-quality video interaction for customer onboarding, ensuring KYC compliance
Real time Facial recognition and Geo-location verification
Auto adjustment of video quality based on network strength
Multi agent support with agent productivity features such as call reminders, calendar integrations, in-call chat and file sharing
Enhanced Due Diligence
Bank Account Verification
Comprehensive Bank A/C Verification, including Penny drop Standard (Re. 1), Custom, Penniless, and Reverse via UPI
Built-in failover mechanism with multiple sponsor bank integrations
Integrity checks on customer name as per KYC and Bank records
Best-in-industry latency with verification turn around at 1.8 seconds
CKYC and KRA Checks
Enhance onboarding efficiency and achieve substantial cost savings by utilizing a single CKYC API
Update CKYC, KRA records for new customers with a single API
Save time with search and download of existing CKYC/KRA records
Reduce operational costs and provide a seamless onboarding experiences
Account Aggregator
Retrieve financial information of customers with a consent based data sharing framework
Determine credit worthiness using alternate data from a customer’s bank statements, investments, insurance policies etc.
Perform enhanced due diligence on financial transactions of a customer
Implement conditional logics by building financial ratios over customer data
Studio USPs
Orchestrate end-to-end Onboarding for Individuals and Businesses with DigiStudio
Business Workflow builder for end-to-end customer or client onboarding
Drag & Drop reconfigurability with auto-approval mechanism
Onboarding journey traceability and analytics
Configure complex business validations to ensure full compliance
Orchestrate end-to-end Onboarding for Individuals and Businesses with DigiStudio
Business Workflow builder for end-to-end customer or client onboarding
Drag & Drop reconfigurability with auto-approval mechanism
Onboarding journey traceability and analytics
Configure complex business validations to ensure full compliance
Leverage insights, enhance your KYC workflows
Achieve Measurable Business Value with comprehensive DIGIKYC Suite
60%
Operational cost Reduction
95%
Turnaround time (TAT) Reduction
75%
Improvement in Workforce productivity
3X%
Business Scale Achieved
Explore Digio’s Other Solutions
DigiDocs
All-Inclusive Platform for all your Document Creation and Management Needs
Document Template Creation
Secured Document Repository
Document Version Control
Form Builder with Drag & Drop UI, Field Validations, and Conditional Logic
Folder management of executed documents
Filters and tags for efficient document retrieval
E-stamp - Single platform with pan India multi denomination support
Document Template Creation
Secured Document Repository
Document Version Control
Form Builder with Drag & Drop UI, Field Validations, and Conditional Logic
DigiSign
The Most Trusted Signing Solution in India, enabling you with highest configurability for digital signing
Aadhaar eSign
USB Based Digital Signer Certificate
Document Signer Certificate
Electronic Signatures
KYC Backed Signing
Aadhaar eSign
USB Based Digital Signer Certificate
Document Signer Certificate
Electronic Signatures
DigiCollect
Automate NACH-Compliant Recurring Collections with Multiple Sponsor Bank integrations
API Mandates via Debit Card and Net Banking
360 degree view of collectibles with single integration and dashboard for effective tracking
NACH Mandates
UPI Mandates
Physical Mandates
Mandate Book
Debit Presentations
Sponsor Bank Dashboard
Alternate Collection Mechanisms
API Mandates via Debit Card and Net Banking
360 degree view of collectibles with single integration and dashboard for effective tracking
NACH Mandates
UPI Mandates
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FAQ
02
What is Aadhaar Offline XML KYC?
After the Supreme Court’s judgement in 2018 disallowing the use of Aadhaar-based KYC services by private companies, the Unique Identification Authority of India (UIDAI) proposed a solution - an offline Aadhaar verification system.
Offline Aadhaar KYC verification is voluntary, paperless, and driven solely by the Aadhaar-number holder. In addition, core biometrics are not required, and data is private and secure. Aadhaar Paperless Offline e-KYC eliminates the need for a holder to provide a physical copy of an Aadhaar letter. Instead, one can download the KYC XML file and provide it directly to the agency requesting KYC.
The XML file includes the following details:
- Resident Name
- Download Reference Number
- Address
- Photo
- Date/Year of Birth
- Mobile Number (in hashed form)
- Email ID (in hashed form)
This data is encrypted using a “share phrase” provided by the Aadhaar-holder at the time of file download, which is to be shared with the agency to read the KYC data.
03
What is ID Card parsing?
ID Card parsing refers to the extraction of data from a given identity card or document. Parsing can be done through effective Optical Character Recognition (OCR), which involves the identification of printed characters through computer software.
DIGIKYC allows you to upload images of PAN cards, Aadhaar cards, etc., and extract relevant data for KYC purposes.
04
How can I implement KYC processes using DigiKYC?
DigiKYC makes customer onboarding and KYC simpler through the following:
- Video In-Person Verification
- Aadhaar Offline XML/QR KYC
- DigiLocker Integration
- ID Card Parsing & Analysis
05
Is Aadhaar e-KYC legal?
In September 2018, the Supreme Court disallowed the use of Aadhaar-based eKYC services by private companies due to data privacy concerns.
Currently, Aadhaar-based eKYC is allowed only for select entities with licenses, such as banks, telcos, and government organizations. These entities have to pay a fee of Rs. 20/transaction to UIDAI.
On the other hand, Aadhaar offline KYC is available to all enterprises in the form of XML files or via QR codes. Aadhaar offline KYC is cheaper, voluntarily driven by the Aadhaar-number holder, and data is private and secure. The Aadhaar-holder just needs to download the XML file and share it directly with the agency requesting the KYC process.
06
How quickly can I integrate?
07
How much time can I save?
08
What can I use DigiKYC for?
