EMAS™ eKYC
The information contained herein is confidential and proprietary information of
Innov8tif group of companies.
Malaysia
Innov8tif Solutions Sdn Bhd
Indonesia Singapore
PT Innov8tif Karta Solusi Innov8tif Solutions Pte Ltd 2014
Innov8tif
Since 2011.
• Incorporated in Malaysia(MSC-status),
Singapore(GeBIZ supplier) and Indonesia.
• With customers in Philippines, Thailand,
Myanmar, Brunei, Laos
DIGITIZING BUSINESS PROCESSES
1. Digital Process Automation (low-code workflow, enterprise mobility)
2. Digital Customer Onboarding (eKYC)
3. Biometric Authentication
4. Big Data Analytics
Questions We Help Our Customers to Answer
1. How can my sales network operate digitally on mobile without physical
branch constraint?
2. How can I on-board customers digitally in non-face-to-face channel?
3. How can my business activities and operations run without paper and
disjointed Excel spreadsheets?
4. How can my business leverage on data and be smarter in our sales and
marketing strategies?
EMAS™ eKYC is ID verification (IDV) technology for “document
not present” scenario to support eKYC process in regulated
industries.
ID Verification
Initiate IDV
Customer On- ID Capture Liveness Facial Document Database
boarding Channels Detection Verification Verification Check
Return IDV results
1 • Making sure that expected ID 3 • Verifies live face photo 5 • Queries ID record
format is presented. against ID photo. exitance.
• Auto-captures ID number, full • False match rate (FMR) • Performs proof-of-ID
name, photo and card image. below 0.000001. challenge.
• Validates ID number format, or
passport MRZ check-digits.
OkayID: OkayFace: OkayFace: OkayDoc: OkayDB:
ID Capture Liveness Facial Document Database
Detection Verification Verification Check
2 • Making sure that the object 4 • Checks if all key landmarks
in front of camera is a live are present on ID card
face. image.
• Prevents liveness attack. • Checks if ID image assembles
any sign of being fraudulent.
OkayID OCR (Optical Character Recognition)
• Supports identity documents of Malaysia, Singapore,
Indonesia, Thailand, Brunei, Cambodia, Philippines,
Hong Kong, and worldwide passports (with MRZ).
• Supports mobile SDK offline processing, or server-side
processing.
• Automatically extracts ID number, name, ID photo and
other relevant ID details from card’s printed surface,
into the integrated application.
OkayFace
• Live face detection to ensure that the subject in front of
front-facing camera is a live person.
• 1:1 face verification API to compare between ID photo
and live face photo. False match rate below 1-in-a-
million.
• Client-side and server-side live face validation to deter
screenplay attack.
• (coming soon) Silent-mode live face detection, i.e.
without explicit gestures
OkayDb
• External Database Checking to make sure the document validity :
o Official Database (eKTP, BPJS, NPWP, AML, PEP, etc)
o Phone Number Login (ex : Telkomsel, XL, Indosat)
o Social Media Login (ex : Facebook, Linkedin, Instagram)
o Online Taxis Login (ex : Gojek, Grab)
o e-Commerce Login (Tokopedia, Shopee, Lazada)
o Chat Plaform Login (WhatsApp)
Use Case: Onboarding Flow for Indonesian’s
eKTP
EMAS™ OkayID OkayFace OkayDb
Component
Extract eKTP Perform live Compare live Perform Perform Perform Accounts
Used
document face detection face against eKTP Phone test (ex: Gojek
image and ID photo database Number account / Tokopedia
details using recognised checking Checking account)
OCR from MyKad
Uncomplying Facial identity Human mistake Do checking Do checking
“Bad document theft! E.g. or to Operators to Other
Apples” type. spoofing inconsistency (Optional) accounts
Eliminated attempted in facial (Optional)
using verification
downloaded judgement.
photo. How could a
human
describe what
is 80% match?
Filtering Out the “Bad Apples”
OkayID OkayFace OkayDb
Making sure that ONLY
the expected ID card is
submitted.
Making sure that the
sighting is done
virtually, and as good as
face-to-face sighting.
Making sure that the ID
card submitted, is
acceptably proven.
Compliance team does not have to invest valuable time into “bad apples”.
Use Cases by Product Components
OkayID OkayFace OkayDb
Self-service Customer / / /
On-boarding
Agent-based Customer / /
On-boarding
Over-the-counter / /
registration
Compliance screening / /
User login (multi-factor /
authentication)
Embracing Digital On-boarding without
Tolerating Financial Crime
Security Level
1 2 3
Verifications Completed online ID Proof-of-address Completed over-the-
Accomplished verification and e-KYC validated. counter or face-to-face
process. ID verification by agent.
Invest/deposit money / / /
(for up to X amount) (for up to Y amount)
Withdrawal X / /
(for up to Z amount /
month)
EMAS™ eKYC Cloud vs On Premise
Cloud On Premise
OkayID OCR OCR for mobile runs locally within your mobile app OCR for mobile runs locally within your mobile
without any server-side processing. app without any server-side processing.
OCR Web API is served from Cloud, which will need OCR Web API is deployed to your data center.
to have access to ID image for OCR processing.
OkayFace Liveness detection runs locally within your mobile app.
Facial verification API is served from OkayFace Cloud. Facial verification API is served from OkayFace
The API accepts 2 faces as input (1 from live face, Server deployed in your data center
another from ID photo). And thus, to the OkayFace environment. The API accepts 2 faces as input (1
Cloud server, the faces are non-identifiable to a from live face, another from ID photo).
named person.
OkayDoc OkayDoc APIs are entirely served from OkayDoc OkayDoc APIs are served by server deployed in
Cloud. And in order to analyse ID authenticity or your data center environment.
quality, OkayDoc Cloud will need to have access to ID
image, which are to be uploaded from your
application server.
Digital Customer Onboarding Case Studies
Undisclosed Remittance
A Digital Telco
Company
Yoodo is a telco that operates fully digital, without This is a foreign-owned cross-border remittance
physical branch or sales dealer. Yoodo offers fully company licensed and regulated as a money
customisable mobile subscription plan from services business by the Central Bank of Malaysia.
customer self-service app, and SIM pack is While it operates traditional face-to-face
delivered to customer’s location through courier counters, a new eKYC channel is being created to
service. In compliance with regulatory expand sales channels and improve customer
requirement for ID registration, each new Yoodo experience. Not forgetting the financial inclusion
SIM is activated by customer using eKYC method, objective too. Most of the target audience of
by firstly scanning his/her ID using OCR, following eKYC in this use case are foreign workers bearing
by facial verification. This model enables Yoodo to travel passport and work permit.
on-board customers 24x7 at customer’s
convenience.
Digital Customer Onboarding Case Studies
redONE is a MVNO of Celcom in Malaysia, with postpaid mobile subscription as its core business.
redONE’s adopted the branchless agent operating model as its go-to-market strategy. It involves 10,000
agents nationwide, mostly without a brick-and-mortar physical branch, which also created some
challenges in the handling of paper form for customer sign - from printing, to distribution, form update,
back-office data entry and archiving. Since 2014, redONE launched the Paperless Mobile Registration
tablet app to its extensive network of sales agencies and representatives. This application supports
mobile sales kit module too, in addition to its core function in postpaid subscription enrolment. For the
past 5 years, this mobile application witnessed redONE’s growth from 20,000 active subscribers, to 1
million. And, consistently, about 10,000 agents at any point in time. Innov8tif has been supporting this
system for 99.95% availability. [News: [Link]
Targeted Sectors
Financial
Services
Investment
& Asset Insurance
Management
Bank
Money
Services Fintech
Business
Unique Value Proposition
• Tested solution with customers in production.
• Can be subscribed by component; from ID capture to facial ID
verification, and document verification.
• Team experienced with enterprise integrations and system
security guidelines for financial sector.
• Supports cloud and on-premise options.
• Locally represented and supported in Malaysia, Indonesia,
Singapore.
Malaysia
Innov8tif Solutions Sdn Bhd (958965-W)
info@[Link]
+60 3 8605 3141
Indonesia
Thank You PT Innov8tif Karta Solusi
info@[Link]
[Link] Singapore
Innov8tif Solutions Pte Ltd (201411160D)
info@[Link]
