e-KYC (Electronic Know Your Customer)

e-KYC by Suma Soft: From Paperworkto Proof—Verify Identities in Minutes,Launch Services in Days, Build aReusable Digital Identity Backbone

Transform traditional hurdles into seamless digital verifications with electronic KYC(e-KYC).

Suma Soft brings extensive expertise in consulting and implementing e-KYCstandards and solutions from collaboration with central banks, national switches,banks, fintechs, and regulators. We design, integrate, and manage comprehensivee-KYC programs that streamline fragmented processes into an interoperable,consent-driven ecosystem. We deliver quick e-KYC solutions, by capturingdocuments, validating authenticity, incorporating biometrics or live selfies, accessingauthorized data sources (like national ID APIs), and screening against sanctions,PEPs, and AML lists. This accelerates onboarding, reduces fraud, and creates aunified, reusable digital identity that supports diverse applications beyond finance,including service enrollment, access control, verification for mobility, health,education, and social services.

Why e-KYC Is a Core DPI Building Block

Interoperability at its best. Standards-based e-KYC enables seamless interactionsamong issuers, verifiers, and relying parties across sectors—financial, transport,healthcare, education, and welfare—eliminating siloed integrations.

Inclusion for everyone: Brings underserved populations into formal systems, even without advanced national ID infrastructure, by Mobile-optimized flows, OCR for document verification, selfie-based biometrics with liveness detection, and offline-capable designs.
Openness and neutrality: Encourage innovation in digital identity verification by transparent API specs, governance rulebooks, and certification processes.
Accountability built in: Features for consent tracking, immutable audit logs, policy updates, and transparent decisions ensure compliance and internal reviews.
Reusability as an asset: A verified digital identity profile becomes a shareable resource with user consent which facilitates faster access to products, partners, and services, turning one-time checks into ongoing value.

Two Operating Modes, One Unified Backbone

National-ID-Linked e-KYC (Where APIs Are Available)

Leveraging nationalID APIs or registries (per local laws), we build secure connectors and consentmechanisms to fetch reliable attributes. Paired with face matching andliveness checks, this offers high-confidence verifications with low effort. Keycomponents include tokenized API calls, attribute standardization, possessionproofs, optional OTP/PIN enhancements, and automated risk-basedscreenings.

Document-and-Biometric e-KYC (Where APIs Are Emerging)

In regionswithout robust ID rails, we deploy document capture (IDs, passports,licenses), OCR, NFC for ePassports, selfie face matching, and liveness tocounter fraud. Supplemented by telco, utility, or third-party data whereallowed, this establishes a reusable digital identity backbone—group-managed, consented records compliant across borders and lines of business.

Both approaches feed into a shared data framework, consent system, and auditlayer, allowing flexible evolution toward scalable, reusable digital identities.

What Suma Soft Provides

Policy, Governance, and Standards Alignment

Rulebook and controls: Define acceptance policies, risk levels, authentication escalations, remote due diligence, and exceptions.
Consent and privacy: Manage purpose limits, explicit consents, revocations, data minimization, and retention.
Assurance levels: Outline low-to-high tiers mapped to limits and eligibility.

Technology and Integration

Mobile/web SDKs: Efficient capture for docs and selfies; on-device checks to cut errors; user-friendly guidance.
Document validation and OCR: Flexible OCR, security scans, tamper detection, ICAO/NFC for ePassports.
Face match and liveness: Precise matching with anti-spoofing; configurable policies; optional manual reviews.
Sanctions/PEP/AML screening: Instant checks with fuzzy matching, adverse media; case management tools.
Orchestration engine: Configurable workflows for risk-based routing; A/B testing; safe policy updates.
Fraud Safeguards: Device profiling, behavior analysis, duplicate detection, location heuristics.
Partner APIs: RESTful interfaces for onboarding, status queries, notifications; integration SDKs.
Monitoring: Dashboards for funnels, drop-offs, error rates, screening loads, case queues.

Operations and Change Management

Playbooks and training: Scripts for agents, exception guides, QA for reviews.
Model oversight: Docs for thresholds, classifiers; back-testing and fairness evaluations.
Audit support: Logs, policy changes, sampling, evidence for regulators.

Security and Privacy Controls

Mutual TLS, signed requests, constrained tokens, anti-replay measures.
Minimized data with field redactions; encryption in transit/rest.
Residency options and consent-tied deletion schedules.

End-to-End e-KYC Flow

Consent and Capture

Users agree to terms and submit ID images or NFCtaps; app guides for quality.

Document Validation

Authenticity checks, MRZ/NFC reads, OCR extraction.

Selfie and Liveness

Capture selfie; detect real presence to block spoofs.

Face Matching

Compare selfie to document; align with assurance needs.

Data Queries

Access national IDs or alternatives to verify attributes.

Screening

Parallel checks for sanctions, PEPs, AML; flag hits for review.

Decision and Storage

Engine decides approve/review/decline; save profilewith logs.

Reuse

Fast-track future interactions, escalating only on risks.

DPI Principles at Work

Interoperability: Unified standards connect ecosystems without custom builds.
Openness and Neutrality: Public APIs and certifications drive competition.
Inclusion: Low-friction tools reach remote or unbanked users.
Security and Trust: Consent ledgers, audits, and explainable processes build confidence.

Architecture at a Glance

Capture SDKs: Mobile/web tools with guidance, NFC, on-device validation.
Verification Services: Modular for docs, OCR, matching, liveness; vendor-agnostic.
Screening and Risk: Sanctions checks, device intel, scoring.
Orchestration and Policy: Config-based logic for agile updates.
Consent and Audit: Ledgers, event stores, exportable proofs.
Data Security: Encryption, access controls, minimization, residency options.
Integration Layer: APIs, webhooks, connectors to CRM, banking, fraud systems.

Business Outcomes to Track

Onboarding Speed: Cut times from days to minutes; automate for seconds.
Approval Efficiency: Boost first-pass rates with smart UX and workflows.
Fraud Reduction: Minimize losses via biometrics and liveness.
Compliance Savings: Reduce reviews with triage and explanations.
Reuse and Growth: Enable cross-sells through consented profiles.
Regulatory Strength: Enhance audits with logs and versioning.

Implementation Roadmap

Phase 1

Strategy and Policy

Set risk tiers, assurance, fallbacks.
Align legal consents, retention.
Select sources: national IDs, telcos, registries,etc.

Phase 2

Build and Integrate

Deploy SDKs, verification engines (docs, OCR, matching, liveness).
Link screenings, configure thresholds.
Activate orchestration, connect to systems.

Phase 3

Pilot and Calibrate

Test pilots; gather metrics on drops, errors, benchmarks.
Adjust thresholds, guidance, rules.
Verify compliance and audits.

Phase 4

Scale and Optimize

Extend to products, regions, channels.
Add escalations, intel, duplicates.
Schedule reviews, drift checks, fairness.

Security, Privacy, and Trust by Design

Least privilege: Role-based, attribute controls.
Minimization: Collect only essentials; redact extras.
Retention: Automated deletions, holds.
Explainability: Reasons for decisions, versions.
Continuity: Health checks, rollbacks, recovery plans.

FAQs

Can we launch without national ID APIs?

How to handle regional variations?

Addressing bias and fairness?

Reusing identities across services?

Scaling costs effectively?

Why Choose Suma Soft

DPI-Focused Expertise

Rapid Deployment

Reliable Compliance

Efficient Scaling