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Aadhaar : The Identity Proof which remains the 'Rule of thumb' in India

With Aadhaar gaining prominence as an identity in every aspect of our lives today, we shall in this blog discuss about Aadhaar, its use and relevance for businesses in the identity verification process. We shall also briefly touch upon the Aadhaar Ecosystem and the prominent methods of Aadhaar authentication. Introduction Originally introduced to help mitigate fraud and to help ensure the right persons were entitled to the benefits from the social welfare programmes, Aadhaar - India’s national digital biometric identity is intrinsically linked to our everyday lives. It serves as a cross-functional proof of identity and proof of address across India. The 12 digit unique Aadhaar number can be obtained voluntarily by residents or passport holders of India based on their biometric and demographic data. It is devoid of any intelligence and does not profile the Aadhaar number holder based on caste, religion, income, health and geography and does not confer any right of citizenship or domicil

The Need for Biometric Verification and Liveness Checks in a Digital Onboarding Journey

With increased demand for remote customer onboarding, there is also a rise in the risk of fraud and identity theft. Technology has addressed it to a great extent and in some cases it is claimed to be better than human decision making. In this post we'll talk about the possible human identity frauds affronted during digital on-boarding and how we have leveraged Machine learning & Artificial intelligence at Digio to solve for it. Since last year, a substantial percentage of businesses have transitioned into a digital trajectory for engagements with their customers. With the pandemic, remote onboarding and digital authentication practices have become the need of the hour. Why?  Why is there a need for Artificial Intelligence in Digital Onboarding? Understanding the Traditional Onboarding Journey Let us consider the physical onboarding in bottom up approach, the significance of the identity verification process can be classified into two major checks: OVD (Officially Valid Document

Automating the identity verification process through Artificial Intelligence

As much as gaining customer's confidence and trust is imperative, it is equally important for businesses to verify the information that their customer's provide. Businesses seek to adopt to Know Your Customer (KYC) / Business (KYB), Anti-Money Laundering (AML) rules, Customer Due Diligence (CDD) checks and similar frameworks built around verifying the identity information of their clients such as name, address, photograph, original documents, etc in order to prevent identity theft .  Now, typical institutions in India and other countries spend an immoderate amount of time onboarding a client with dependence on manual interventions  which turn out to be expensive, laborious, inaccurate and, inefficient. Any lapses in controls have resulted in regulators tightening supervision on the industry as a whole.  Technology's impact on modern day has been stupendous. As the world holistically is embracing a fast-paced environment, businesses are keen on adopting automation throug