Onboarding Journeys are Broken for Banks and Financial Institutions
Financial institutions use isolated onboarding channels with separate acquisition funnels, creating fragmented customer experiences that lead to
Affluence and risk signals from journey data and alt data are overlooked
Risk-affluence segments aren't mapped to tailored journeys, everyone gets the same generic flow
Cross-channel continuity is broken - users can't resume journeys from where they left off
Meet OnboardIQ: Unified Onboarding Across Branch, Assisted & Digital
OnboardIQ is a unified, intelligence-led platform that enables your teams and channels to deliver intelligent, immersive, and trustworthy conversations across every onboarding journey
Assisted Onboarding
- Application for RMs, DSAs, and VLEs to onboard any customer type
- Create leads and onboard for any product
- Guided workflow for error-free onboarding
Branch-Based Onboarding
- QR display in branch for customers to scan
- Self-service or assisted journey options
- Guided workflow for error-free onboarding
DIY Onboarding
- Complete end-to-end onboarding via web-based journey
- Works on any device with intuitive interface
- Guided steps with clear product information
Smarter Signals. Safer Growth. Stronger Compliance.
Uncover affluence and detect risk early. Drive smarter growth from day one.
Maximise Onboarding Value
Equip Frontline for Impact
Strengthen Portfolio Quality
Unify Customer Insights
Ensure Smooth Integration
Built for DPDP Compliance
IDfy is Reimagining Onboarding Across Different Products and Journeys
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Liability Products
Liability Products
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Asset Products
Asset Products
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Merchant Onboardings
Merchant Onboardings
QUALITY
20% accounts opened with minimal balance. Lack of insights for up/cross-sell
FRAUD
In FY'24-25, fraud losses exceeded ₹21,000 crore
EXPERIENCE
High FTNR & TAT (~2-3 Weeks for CA)
QUALITY OF ACCOUNT
Affluence-based initial funding, activation via app downloads, UPI handle creation
CROSS-SELL
Leverage alternate data (AA, Bureau) to cross-sell personalised products
DYNAMIC RISK BASED JOURNEYS
Real-time, risk-based flows, "happy friction" for high-risk customers
Multiple solicitation portals
Multiple platforms confuse RMs and sales teams
Extensive documentation
Heavy paperwork without early risk filtering
Delayed Payouts
Long TATs and inconsistent loan terms
Smart Engine
Real-time risk checks and accurate offers
CROSS-SELL
Reduced TAT with transparent, consistent approvals
DYNAMIC RISK BASED JOURNEYS
Personalized loans based on existing data
OVD Mismatch
Inconsistent checks cause high FTNR and delays.
CPV Delays
Physical verifications slow onboarding.
MCC Errors
Wrong codes stall account setup.
Smart Onboarding
V-KYC and MCC predictor speed up activation.
Risk-Based Flow
"OneRisk" adapts checks to risk levels.
360° Risk View
Aggregates legal, credit, and digital data.
QUALITY
20% accounts opened with minimal balance. Lack of insights for up/cross-sell
FRAUD
In FY'24-25, fraud losses exceeded ₹21,000 crore
EXPERIENCE
High FTNR & TAT (~2-3 Weeks for CA)
QUALITY OF ACCOUNT
Affluence-based initial funding, activation via app downloads, UPI handle creation
CROSS-SELL
Leverage alternate data (AA, Bureau) to cross-sell personalised products
DYNAMIC RISK BASED JOURNEYS
Real-time, risk-based flows, "happy friction" for high-risk customers
Multiple solicitation portals
Multiple platforms confuse RMs and sales teams
Extensive documentation
Heavy paperwork without early risk filtering
Delayed Payouts
Long TATs and inconsistent loan terms
Smart Engine
Real-time risk checks and accurate offers
CROSS-SELL
Reduced TAT with transparent, consistent approvals
DYNAMIC RISK BASED JOURNEYS
Personalized loans based on existing data
OVD Mismatch
Inconsistent checks cause high FTNR and delays.
CPV Delays
Physical verifications slow onboarding.
MCC Errors
Wrong codes stall account setup.
Smart Onboarding
V-KYC and MCC predictor speed up activation.
Risk-Based Flow
"OneRisk" adapts checks to risk levels.
360° Risk View
Aggregates legal, credit, and digital data.
