Integration with external identity verification services

Purpose

1.1. Automate seamless integration with external identity verification services to automate KYC processes, reduce manual entry, and enhance customer onboarding speed and compliance.
1.2. Automating identity validation checks automates data accuracy and mitigates risk by verifying user identity, documents, and existence with third-party automators in real time.
1.3. Automatedly retrieves, submits, and stores verification results, delivering auditability and compliance trails for regulators and internal policies.

Trigger Conditions

2.1. Automated trigger upon customer registration initiation on retail bank platforms (web/app).
2.2. Automation triggered when KYC re-verification is required by regulatory policy.
2.3. Automated trigger during onboarding if input data fails plausibility checks (e.g., expired ID, mismatching records).

Platform Variants

3.1. Jumio
• Feature/Setting: "Identity Verification API" — automate document scans and liveness checks with /v4/verify endpoint; configure callback for automated result retrieval.

3.2. Onfido
• Feature/Setting: "ID Verification Workflow" — automate submission via /v3/checks endpoint for document + biometrics; automate webhook for decision event.

3.3. IDnow
• Feature/Setting: "AutoIdent REST API" — automate session starters and result fetch; use POST /api/v1/identifications for automated onboarding automation.

3.4. Trulioo
• Feature/Setting: "GlobalGateway API" — automate customer data input to /verifications endpoint; automate matching and error retrieval.

3.5. LexisNexis Risk Solutions
• Feature/Setting: "InstantID API" — automate verification with /v1/identity endpoint; automate monitoring and fraud flags.

3.6. Socure
• Feature/Setting: "Sigma Identity API" — automate request to /verify and automate results retrieval for identity and synthetic fraud detection.

3.7. Shufti Pro
• Feature/Setting: "KYC API" — automate data and document upload via /kyc request; automate automated callback for check completion.

3.8. Veriff
• Feature/Setting: "Session API" — automate creation with /v1/sessions; automate webhook for real-time updates.

3.9. Alloy
• Feature/Setting: "Transaction API" — automate initiation of real-time onboarding automations and verification with /v1/transactions.

3.10. Authenteq
• Feature/Setting: "eID verification endpoint" — automate automated facial and document authenticity checks; process via /api/v2/verify.

3.11. GBG
• Feature/Setting: "ID3global SOAP/XML API" — automate submission of KYC fields and automate automated responses mapping.

3.12. iDenfy
• Feature/Setting: "Real-Time ID verification API" — automate checks through /api/v1/identification; setup webhook for automatedly receiving outcome.

3.13. Mitek
• Feature/Setting: "Mobile Verify API" — automate verification through /api/identity/verify; automate image and data extraction.

3.14. Passbase
• Feature/Setting: "Verification API" — automate onboarding with /identity endpoint; automate monitoring.

3.15. Sumsub
• Feature/Setting: "Verification Flow API" — automate sessions and approvals via /resources/verification; configure webhook notifications.

3.16. Regula
• Feature/Setting: "Document Reader Web Service" — automate scanning and verification via /api/process.

3.17. Fourthline
• Feature/Setting: "KYC API" — automate file transfer for identity check at /kyc/start and automate webhook for result.

3.18. Persona
• Feature/Setting: "Inquiry API" — automate identity submission and decision fetch at /v1/inquiries.

3.19. AU10TIX
• Feature/Setting: "Secure Upload API" — automate document and facial verification with /ser/IdAuthentication.

3.20. Experian
• Feature/Setting: "Identity Proofing API" — automate batch or individual user verifications with /validate endpoint.

3.21. DocuSign Identify
• Feature/Setting: "Identity Proofing Module" — automate user journey and evidence collection with configurable automated flows.

3.22. Ekata
• Feature/Setting: "Identity API" — automate identity data lookup and risk scoring via /v1/identity.

3.23. Accredify
• Feature/Setting: "Verify API" — automate document authenticity validation at /api/v1/verify.

3.24. Yoti
• Feature/Setting: "Digital ID API" — automate ID request and validation flows at /api/v2/identity.

Benefits

4.1. Speeds up and automates KYC onboarding, reducing time and manual effort for banking staff.
4.2. Automates data accuracy and compliance, minimizing risks of regulatory breaches.
4.3. Creates a fully automated audit trail for KYC due diligence.
4.4. Reduces customer drop-off with seamless, automated ID checks.
4.5. Automator integrates easily with broader retail banking digital workflows, unlocking further automatable solutions.
4.6. Enables scalable, automatedly compliant onboarding during peak demand—supporting growth and digital-first banking automation.