Real Identity Platform from Onfido

AI-powered identity verification with document verification, facial biometrics, liveness detection, and fraud signals. Features automated ID verification workflows, customizable risk thresholds, and integration with AML screening services.

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Product analysis by function

Know Your Customer (KYC) for Compliance

Platforms for verifying customer identities, assessing risk, and meeting regulatory requirements for customer onboarding.
More Know Your Customer (KYC) More Compliance ...

Identity Verification
(8 Yes /8 Known /10 Possible features)

Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
(8 Yes /8 Known /10 Possible features)

Data Security & Privacy
(9 Yes /9 Known /10 Possible features)

Regulatory Compliance & Reporting
(9 Yes /9 Known /10 Possible features)

User Experience & Onboarding
(8 Yes /8 Known /10 Possible features)

Integration & Interoperability
(9 Yes /9 Known /10 Possible features)

Fraud Detection & Prevention
(8 Yes /8 Known /10 Possible features)

Monitoring & Ongoing KYC
(9 Yes /9 Known /10 Possible features)

Analytics & Reporting
(9 Yes /9 Known /10 Possible features)

Scalability & Performance
(6 Yes /6 Known /10 Possible features)

Vendor Support & Maintenance
(8 Yes /8 Known /10 Possible features)

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Document Verification Verifies government-issued identity documents such as passports, driver's licenses, or identity cards.		Product documentation directly states AI-powered document verification for passports, driver's licenses, and IDs.
Biometric Authentication Uses facial recognition, fingerprints, or other biometrics for identity validation.		Product advertises facial biometrics for identity validation as a core capability.
Liveness Detection Validates that a real person is present during the verification process to prevent spoofing.		Liveness detection is explicitly highlighted as a means to prevent spoofing and ensure real-user presence.
Data Cross-Checking Automatically cross-checks customer data against third-party databases or watchlists.		Onfido cross-checks IDs against global watchlists and external data sources as part of AML compliance services.
Optical Character Recognition (OCR) Extracts and auto-fills information from documents using OCR technology.		Onfido solution extracts information from documents using OCR, as stated in product brochures.
Verification Speed Average time taken to verify identity documents and update status.		No information available
Multi-Language Support Supports document types and interfaces in multiple languages.		Onfido markets multi-language support for both documents and user interface.
Video Verification Enables recorded or live video sessions for compliance with regulatory requirements.		Video verification flows used for compliance in regulated markets are listed in product features.
Name Matching Accuracy Rate at which the system accurately matches submitted names against government data.		No information available
Geolocation Check Confirms the customer's location during onboarding.		Product supports IP/location checks and geo-fencing for fraud prevention.

Automated Risk Scoring System assigns risk scores based on customer profiles and behaviors.		Automated risk scoring based on customer and document signals is repeatedly mentioned in product materials.
PEP Screening Checks for Politically Exposed Persons among customers.		PEP screening is part of the AML screening features per documentation.
Sanctions and Watchlist Screening Verifies customers against domestic and international sanctions lists.		Sanctions and watchlist screening integrated into compliance module.
Adverse Media Checks Automated scanning for negative news regarding the customer or entity.		Adverse media and negative news checks are available as part of the due diligence offering.
Custom Risk Rules Bank can configure custom criteria for risk assessment.		Customizable risk thresholds and rule configuration provided for risk assessment.
Transaction Monitoring Integration Integrates customer risk scores with transaction monitoring systems for continuous compliance.		Risk scoring integrates with AML transaction monitoring systems, as stated in integration docs.
Ongoing Due Diligence Frequency Frequency with which ongoing due diligence checks are automatically performed.		No information available
Risk Scoring Algorithm Transparency Provides auditability and explainability for risk score decisions.		Explainable AI and audit trails for risk scoring are featured in analyst and technical material.
Alert Generation Rate The average number of risk or compliance alerts generated per month.		No information available
Remediation Workflow Enables escalation and case management for high-risk findings.		Product offers case management and escalation workflow tools for flagged issues.

Data Encryption at Rest Customer data is encrypted when stored in databases.		Customer data encrypted at rest is a standard security claim in Onfido compliance docs.
Data Encryption in Transit All communications and data transfers are encrypted.		The platform uses TLS and secure channels for data in transit per their security whitepaper.
Role-Based Access Control Granular control of access levels for different users and roles.		Granular, role-based access control for customers and operators offered by the platform.
Audit Trails Comprehensive logging of all user activities for compliance monitoring.		Full audit logs and activity tracking for regulatory and internal review.
Data Retention Policy Management Configurable policies for how long KYC data is retained.		Data retention periods and policy management features are displayed in product compliance guides.
GDPR Compliance Product is compliant with European Union General Data Protection Regulation.		Explicit mention of GDPR compliance across the website and datasheets.
Data Anonymization Ability to anonymize personal data for analysis or testing.		Data anonymization for analytics/testing available as a feature for privacy compliance.
Consent Management Mechanisms for capturing and tracking customer consent for data usage.		Consent management routines are implemented into onboarding flows as required for compliance.
Incident Response Time Average time to respond to data breach or privacy incident.		No information available
Third-Party Audit Certifications Availability of SOC 2, ISO 27001, or similar security certifications.		Onfido regularly advertises SOC 2 and ISO 27001 certifications.

Automated Regulatory Reporting Generates and submits compliance reports automatically.		Automated regulatory reporting and report export listed in features for regulated financial institutions.
Country-Specific Compliance Modules Supports legal requirements unique to different jurisdictions.		Modules and compliance workflows adapt to regional regulations, as stated in datasheets.
Audit Logs Stores detailed, tamper-evident records of actions for regulatory audits.		Product supports auditable, tamper-evident logs for regulatory review.
Change Management Logging Tracks all system configuration and policy changes.		Configuration changes and policy management are fully logged for change/breach reporting.
Regulatory Update Alerts Notifies users of regulatory or legal changes affecting compliance processes.		System can notify users of major regulatory changes impacting compliance processes.
SAR/CTR Filing Automation Supports Suspicious Activity Report (SAR) and Currency Transaction Report (CTR) generation and filing.		SAR/CTR file automation for North America compliance is available as stated in product sheets.
Regulatory Filing Accuracy Accuracy rate of generated compliance reports.		No information available
Exception Management Tools for handling and resolving compliance exceptions.		Exception and case handling tools built into compliance workflow.
Compliance Dashboard Central dashboard displaying current regulatory status and key compliance metrics.		Centralized dashboard for KYC/compliance status widely featured in UX and solution screenshots.
E-signature Support Allows digital signing of regulatory documents.		Digital e-signatures are supported for onboarding and compliance documentation.

Mobile Onboarding Customers can complete onboarding entirely from mobile devices.		Full onboarding available via mobile per solution landing page.
Self-Service Portal Customers can update information or complete KYC tasks without direct assistance.		Customers can self-complete and update information using the Onfido user portal.
Guided User Flows Step-by-step guidance for users to complete KYC requirements.		Guided flows and progress indicators clearly shown in onboarding demo videos.
Status Tracking Customers and bank staff can track the status of KYC verification in real time.		Status tracking for both users and compliance teams present in product features.
Multilingual Interface User interface available in multiple languages for diverse populations.		Multilingual interface for global clients announced in product press releases.
Accessibility Compliance Interfaces conform to accessibility standards such as WCAG.		WCAG conformance listed in documentation to support accessibility.
Onboarding Completion Rate Percentage of users who successfully complete onboarding.		No information available
Onboarding Time Average time for a customer to complete the KYC onboarding process.		No information available
Real-Time Support Chat Live assistance during onboarding to resolve customer queries.		Real-time support (live chat and messaging assistance) offered during onboarding.
Custom Branding Ability to brand the onboarding interface with the bank’s logo and colors.		Platform is designed for custom-branded integration, including logo, colors, and style.

API Availability Provides documented APIs for programmatic integration.		Well-documented APIs are a major integration feature highlighted by Onfido.
Core Banking System Integration Seamless connection to the bank's core systems.		Core banking and partner system integration is mentioned in integration documentation.
Third-Party Data Source Integration Connects to external data sources for validation checks.		Connectors for third-party data validation and watchlist services, as explained in technical integration materials.
Identity Provider Integration Supports common SSO and identity providers for staff user authentication.		Supports identity providers/SSO for staff and customer authentication (see integration guide).
Webhook Support Triggers real-time notifications to other platforms via webhooks.		Webhook support for real-time event notification to client systems.
Batch Upload/Processing Supports bulk uploads and processing for large volumes of KYC requests.		Batch upload and processing workflows for enterprise use highlighted in onboarding case studies.
Custom Workflows Supports creation of organization-specific onboarding and KYC workflows.		Customizable onboarding/KYC workflows available as a standard feature.
Data Export Options Multiple export formats (CSV, XML, JSON) for KYC data.		CSV/JSON export of KYC data supported per developer documentation.
Sandbox Environment Provides a non-production environment for integration testing.		Sandbox environment offered for developer testing and pre-production integration.
Integration SLA Service level agreement for integration uptime and support.		No information available

Synthetic Identity Detection Detects attempts to create accounts with fabricated identities.		Synthetic identity detection supported using AI/ML analysis of onboarding signals.
Device Fingerprinting Identifies devices used by customers to detect and prevent fraud.		Device fingerprinting is mentioned as part of fraud prevention capabilities.
IP Reputation Analysis Assesses whether a customer's IP address is associated with suspicious activity.		IP address analysis and fraud blocking available per onboarding flows.
Behavioral Analytics Uses AI/machine learning to identify abnormal user behaviors.		Behavioral analytics for detecting abnormal patterns is mentioned in fraud prevention solution marketing.
Fraud Detection Rate Proportion of fraudulent accounts or attempts detected by the system.		No information available
Fraud Response Time Average time to respond to a suspected case of fraud.		No information available
Blacklist/Whitelist Management Maintains lists of suspected or trusted customers for screening.		Maintains internal and external lists for customer watch/allow, part of risk and exception handling.
Velocity Checks Identifies rapid, repeated attempts to onboard or bypass controls.		Velocity check detection supported in fraud controls, per onboarding documentation.
Rule and Threshold Management Allows the bank to set and adjust fraud detection parameters.		Rules and thresholds for fraud detection are client-configurable.
Case Management Integration Integrates with case management for escalated investigations.		Escalation and case management integration advertised for handling high-risk or suspicious cases.

Periodic KYC Refresh Automated reminders and workflows for routine re-verification.		Automated periodic KYC refresh workflows and reminders documented in product setup guides.
Event-Based KYC Triggering Automatically triggers reviews based on significant customer actions.		Trigger-based KYC refresh following customer events/actions available.
Continuous Transaction Monitoring Links KYC data to transaction analysis for real-time alerts.		Continuous transaction monitoring can link to KYC as per AML integration.
Change Detection Detects and flags changes to customer information.		Monitors customer info changes and flags as required.
Ongoing Sanctions Monitoring Continuous screening against updated sanctions and watchlists.		Continuous sanctions screening for updated lists present per product datasheet.
Risk Profile Updating Frequency How often customer risk profiles are reviewed and updated.		No information available
Automated KYC Reminders Automatic notifications sent to customers for compliance tasks.		Automated notifications for compliance/KYC tasks as part of ongoing monitoring.
KYC Status Dashboards Provides staff with overview dashboards of KYC statuses.		Compliance dashboard and KYC status dashboards for operations teams mentioned in UX.
Escalation Workflow Configurable workflows for cases that fail ongoing checks.		Workflow for KYC/AML case escalation implemented within platform.
Bulk Update Capability Ability to update KYC records for multiple customers at once.		Bulk update capability offered for large enterprise clients.

Custom Report Builder Create tailored reports on KYC processes and outcomes.		Custom reporting and analytics builder available in admin tools.
Predefined Regulatory Reports Templates for standard compliance reports.		Predefined report templates for regulatory reporting available.
Real-Time Analytics Dashboards Live dashboards for monitoring KYC performance metrics.		Live analytics dashboards with KYC operational metrics featured in the product interface.
Data Export for BI Tools Exports data for integration with business intelligence tools.		Support for data export to BI tools via API or download.
KYC Failure Rate Percentage of KYC applications that fail to meet compliance requirements.		No information available
Average Verification Time Report Analysis of time taken for verification steps.		Average completion/verification time report available for performance tracking.
Trend Visualization Visualizes changes in KYC-related KPIs over time.		Visualization of KYC volumes and KPIs by period displayed in admin analytics.
Data Quality Checks Automated flagging and reporting of data inconsistencies.		Automated flagging for data issues/quality is included in data management tools.
User Audit Logs Exportable activity logs for user actions.		User action export/log is included for monitoring and reporting.
API Access for Reporting Allows third-party reporting and data analysis tools to access KYC data via API.		API-level access to reporting functions provided for data integrations.

Concurrent User Capacity Maximum number of users that can simultaneously access the platform.		No information available
KYC Processing Throughput Number of KYC verifications processed per hour.		No information available
System Uptime SLA Guaranteed system uptime as per service agreement.		No information available
Cloud Deployment Support Can be deployed in cloud environments for scalable infrastructure.		Supports full cloud deployment on AWS, Azure, GCP per technical documentation.
Horizontal Scalability System can scale by adding more servers or instances.		Horizontal scaling with autoscaling and load-balancing explained in technical architecture diagrams.
Disaster Recovery RPO Recovery Point Objective in case of disaster.		No information available
Elastic Resource Allocation Automatically adjusts resources based on workload.		Elastic resource allocation described as part of platform's cloud-native infrastructure.
Load Balancing Distributes workload evenly across system resources.		Uses load balancing per system performance/availability requirements for enterprise clients.
Queue Management Manages high load and processing queues efficiently.		Queue management and prioritization tools part of onboarding process for high customer volumes.
Performance Monitoring Real-time monitoring of system performance metrics.		Embedded real-time performance monitoring for compliance and devops teams.

24/7 Customer Support Round-the-clock availability of customer service.		24/7/365 client support and technical help desk described on support and pricing pages.
Dedicated Account Manager Assigned vendor representative for ongoing support.		Dedicated account management teams highlighted for large customer engagements.
User Training Resources Availability of training materials and programs for staff.		Online and live staff training resources available.
Knowledge Base Access Comprehensive articles and documentation available online.		Full online knowledge base and documentation portal available to customers.
Regular System Updates Scheduled updates for new features and compliance changes.		Regular platform and feature updates for new regulations/fixes announced per changelog and release notes.
Custom Feature Development Ability to request and implement bespoke product features.		Enterprise clients can request custom integrations/features as a premium service.
Support Ticket Resolution Time Average time to resolve a standard support ticket.		No information available
SLAs for Issue Escalation Contracted timeframes for addressing critical issues.		No information available
User Community Forum Online forum for peer support and knowledge sharing.		User community forum and customer discussion area maintained for Onfido clients.
API Versioning & Deprecation Notices Advance communication of changes to integration APIs.		API changes, deprecation and versioning notifications are communicated well in advance to developer partners.

Real Identity Platform from Onfido

Product analysis by function

Know Your Customer (KYC) for Compliance

Identity Verification (8 Yes /8 Known /10 Possible features)

Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) (8 Yes /8 Known /10 Possible features)

Data Security & Privacy (9 Yes /9 Known /10 Possible features)

Regulatory Compliance & Reporting (9 Yes /9 Known /10 Possible features)

User Experience & Onboarding (8 Yes /8 Known /10 Possible features)

Integration & Interoperability (9 Yes /9 Known /10 Possible features)

Fraud Detection & Prevention (8 Yes /8 Known /10 Possible features)

Monitoring & Ongoing KYC (9 Yes /9 Known /10 Possible features)

Analytics & Reporting (9 Yes /9 Known /10 Possible features)

Scalability & Performance (6 Yes /6 Known /10 Possible features)

Vendor Support & Maintenance (8 Yes /8 Known /10 Possible features)