One Stop Video KYC
Solution for all
Regulated Entities
Banks, NBFCs, Payment Banks, Small Finance Banks, Wallets, Fintech
About Us Use Cases
• An Enterprise Software Product Startup • Secure Internal Team Communication
• Incorporated in 2017 • 12 more ways to have better Group Chats
• 24 Member Team, with 19 Highly Skilled Engineers • Connecting Customers with Sales Teams
• Experts in Messaging, Chat and Workflows • Video Workflows for Customer connect
• Focused on BFSI Sector with 14 Enterprise Clients • Agent / Broker messaging for Insurance
Team
Rudrajeet Desai Shankar Borate Kaizad Shroff
Founder, CEO & Product Head Co-Founder & CTO Business Head
First Startup: ideacts innovations Computer Scientist from IIT Delhi Founder & Ex CEO – Davakhana
Funded by Sequoia and Saama Technical Architect Media, Advertising and Security
BPL Mobile, Group M, Cadbury, Mobile2win Symantec, Adobe, Intuit, GE, Siemens
Investors
Sashi Reddi Sharad Sanghi Harry Bhatia Vaibhav Domkundwar
Managing Partner – SRI Capital
Founder & CEO Co-Founder & Founder – Better capital
Netmagic CEO Radiowalla 26 Enterprise SaaS Investments
Founder & CEO – AppLabs
35 Indo – US Investments
BFSI Messaging Use Cases
Customer Use Agent, Broker, Video use cases for
Cases for a Bank Banca Messaging Insurance sector
Customer support on text & video Dedicated Agent Messaging App Sales pitch over video – VRM
Video Sales pitch for wealth managers & RMs Broadcasting long format, rich media messages Remote training for partners
Virtual RM team Support groups for Operations Customer support over video
NRI / Global banking One to one messaging with Sales Teams
Loan advisory and experts Video MER
Automated alerts on TVA, policy status, renewals Vehicle & property inspection over video
KYC for CASA and NRI Send marketing messages to partners Policy consent on video
PD / Credit Verification over video Life certificate over video
Agent Finder
Online assistance during digital onboarding Super App with other Portals Interviews on video
Direct document collection from customer Reviews and exit interviews
RBI Guidelines on Video KYC
Regulated Entities can use Video based CIP – Customer Identification Process
For Banks: Aadhaar OTP
For Non Banks: Offline Verification of Aadhaar (QR Code or XML)
Mandatory steps:
1. Service has to be hosted on RE domain
2. Interaction has to be real time between RE Official and Customer
3. Check that the customer is in India
4. Match PAN Number of the Customer over the call
5. Match Customer face with Aadhaar Photo
6. Verify a few details with the Customer in random order
7. Video recording has to be stored with time stamp
8. Concurrent Audit has to be performed
Two ways Video KYC can happen
Continuous Workflow Universal Weblink
Customer can complete the Video KYC Customer can access a link on the RE’s
immediately after filling the account opening form website, enter details and do a Video KYC
Requirement Vs Features
Requirement as per RBI Circular Availability
Real Time Two way Recording
Informed Consent
Audio Video Recording
Capture Photo
Capture clear image of PAN Card
Live Location
Face Comparison using AI
Randomize Questions
Concurrent Audit
Module for Bank Official
End to End Encryption
Security Audit
Hosted on Bank’s Domain
White Labeled
Work @ Video KYC System Work @ Regulated Entity
3 direct integrations into the RE system and pages Customer facing Pages that RE needs to make
• Customer Wait Time API • Location Page
• Customer Handshake API • KYC Options Page
• Message Queue Service for KYC Status Change • Wait Page
Video Calling system with Face Comparison • Universal Link Workflow
Customer side interface Consume APIs given by the Video KYC system
User access management module for Agents and Auditors
Round Robin system for agent allocation
Customer Wait Time calculation
Module for ‘Concurrent Audit’
Offline Aadhaar SDK Integration
For Non Banks
Web API and Mobile SDK for fetching Aadhaar Information of Users
Using Offline Aadhaar XML extraction method
Mobile
• UIDAI Screen opens inside RE App
• Customer enters Aadhaar Number – Captcha – OTP – Share code
• Downloads XML
• SDK auto picks the XML file & shares the data with the RE App
Web
• API available for verifying Aadhaar Data easily
In partnership with
Deployment Options
Traditional On Premise setup
Customer Cloud Account
AWS
Azure Account
SimpliCloud
Hybrid SaaS model – Our web server and your storage device
API Integration and Data Flow between Video KYC System & RE System
RE Pages in Continuous Journey Once the Wait Page (Video KYC System) 1. Call Wait Time API will keep checking Chat and Video Page (Video KYC)
Customer with the Video KYC System if an
Account Form Location selects Video Agent is available.
KYC option, Your wait time is: 1:52 2. In return it will get the Call Wait Time
Page Options Page the RE system when the Agent is not available.
will call pass 3. Once the Agent is available, it will get
the Customer These pages will consume the a signal to call the Customer Agent and Customer get connected on
to Video KYC Customer Wait API from Video KYC
Handshake API. The page will refresh Text Chat and Video to carry on with
System using System the KYC Process
to the Chat Page, and the Customer
the Customer will be connected to the Agent.
Handshake 4. KYC Status will be changed to Assigned
API from Open. 1. Whenever a KYC status changes, by
an Agent, Auditor, or by the system, a
message will be added to the KYC
Queue (Queue Service)
2. This message will contain the Status
change info of each KYC
3. If a KYC is marked Successful, or
KYC Status changed Rejected, then the Message will carry
to Assigned the complete Meta Data as well
KYC Queue
Tracking ID: 4982
Status: Open
Universal Link Flow Tracking ID: 3002
RE System will keep listening to Status: Unable
RE System will check the the KYC Queue and will update Data Packet
Universal Link Landing Page KYC status in the their Database with the status Tracking ID: 4028
Database basis the Mobile changes, and store data of all
Mobile + OTP Page RE System Status: Successful
Number, and if Open, will Successful, Reject and Unable Data Packet
proceed to Wait Page KYCs
Tracking ID: 2120
Status: Rejected
Data Packet
Passing Customer from RE System to Video KYC System
Wait Page (Video KYC)
Wait time is within
RE system will call the
permissible Limit Customer Handshake API
Your wait time is: 1:52
and pass the Customer to
Options Page (RE) Video KYC System Customer is shown a page with
the Wait Time and instructions
RE system calls the Wait
Time API from the Video
KYC System to know the Wait time is / becomes Zero
Video KYC wait time for the
customer
Customer clicks on Video KYC Text Chat Page (Video KYC)
option on the Options Page Options 2.0 Page (RE)
Customer will be shown a
Page saying that No Agent is
Wait time is above available, so either come back
permissible Limit later or choose other Options Customer is connected to the
Agent on the Text Chat Page
Agent Chat Screen
Agent Screen – Live Video Call
Verification of Details
Face Comparison
Auditor Module
Customer KYC Page for Auditor
Customer KYC Page for Auditor
Recorded Video Play
Customer side view on Mobile
thank you…
Kaizad Shroff
kaizad@[Link]
+91-98909 88498
[Link]
