The Challenge
A national bank operating in a regulated Middle Eastern market needed to replace a paper-based account opening process that took between 3 and 7 days with a fully digital, compliant alternative. The requirement was a mobile-first system that could verify customer identity in real time, integrate directly with core banking infrastructure, and complete the full onboarding flow within minutes.
What Was Built
A mobile eKYC and instant account opening application that reduced a multi-day manual process to under 30 minutes. The system captured personal information, performed National ID verification using biometric fingerprint scanning, and integrated with the bank's core banking platform for real-time account generation — delivered as part of our specialist banking software development company practice and our wider AI integration work in regulated banking environments. A parallel web-based fulfillment portal allowed bank staff to manage, verify, and track applications through a structured workflow — including card delivery coordination via a third-party logistics integration. The system also supported SSO via Azure Active Directory for secure staff authentication across the bank's internal platforms.
Outcomes
3–7 Days to 30 Minutes
Full account opening process digitised and completed in under 30 minutes from any mobile device.
Zero Manual Paperwork
End-to-end digital verification replacing physical document handling across all onboarding stages.
Live in a Regulated Bank
Deployed in a national bank environment under full regulatory compliance from day one.
Technology
Key platforms, tools, and integrations used in this engagement.