Banking
A customer onboarding platform for a retail bank
Paper heavy account opening moved to a secure digital journey with identity checks.
- Duration
- 9 months
- Team
- 12 people
- Services
- Custom platform, Cloud, Security
The challenge
What was in the way.
Opening an account meant a branch visit, printed forms and several days of back office checks. Customers gave up halfway, and the bank was losing younger customers to digital competitors. Any new process had to satisfy central bank rules, keep data in the country, and connect to a core banking system that had not changed in a decade. The bank also needed its compliance team to trust the new journey as much as the paper one, which meant every check had to be visible, recorded and easy to audit.
What we built
The solution.
A mobile and web onboarding journey that captures identity documents, runs identity and sanctions checks through licensed providers, and opens the account in the core system through a new integration layer. Compliance staff see every application in one review screen with a full audit trail.
- Mobile and web app
- API gateway
- Onboarding service
- Identity and KYC providers
- Core banking adapter
How we worked
The decision that made the difference.
Three phases over 9 months: a four week discovery with compliance and operations, a build in two week releases, and a controlled launch to staff first, then new customers.
Results
What changed.
- 8 min
Average time to open an account
- 72%
Applications completed without a branch visit
- 0
Audit findings at the first regulatory review
Customers can now open an account from their phone in minutes, and compliance reviews happen in one place instead of across paper files.
Technologies used
- TypeScript
- Java
- PostgreSQL
- Kubernetes
- AWS
- React Native