Digital KYC
Digital KYC (also called eKYC) is the completion of Know Your Customer identification and verification remotely through a website or mobile app, using document capture, biometrics and data checks instead of an in-branch visit.
Why it matters
Customers expect to open accounts from their phone; regulators in most markets now permit non-face-to-face onboarding provided the controls are robust. Digital KYC lowers cost per onboarding and widens reach across geographies.
How it works
- Guided capture of an identity document with real-time quality feedback.
- OCR extraction and authenticity checks, including NFC chip reading where available.
- Selfie with passive liveness and face match to the document.
- Optional proof of address, screening and questionnaires configured per product or market.
- Automated decision with rules for referral to a human reviewer.
Common challenges
- Document and script diversity across the markets a business serves.
- Deepfakes and camera-injection attacks aimed at remote channels.
- Low-spec devices and unstable connectivity in many high-growth markets.
How IDWise supports this
IDWise addresses this within the Continuous Trust Platform through the following modules, configured per market, product line and risk tier.
Frequently asked questions
Is digital KYC accepted by regulators?
Most regulators accept remote onboarding when identity documents are verified for authenticity and the applicant is matched biometrically with liveness detection.
What is the difference between digital KYC and eKYC?
They are used interchangeably; eKYC is more common in Asia and the Middle East.
Does digital KYC work on older smartphones?
Well-designed SDKs adapt capture and processing to lower-spec devices and limited bandwidth.
Related terms
Talk to an IDWise specialist about your markets, regulators and risk controls.