Digital Onboarding: new horizons for online banking


Banking and Fintech companies are going through a major digital transformation, adapting to new business models and re-inventing the way they and their customers interact with each other. In this transformation context, regulators have recently taken a big step: beginning March 1st, banks and financial institutions and can identify their customers, via videoconference, as SEPBLAC’s new regulation provides.

This new possibility opens new paths to new services such as thedigital onboarding” systems, which when implemented, mean that clients and users will no longer have to be present on physical offices to hire financial products or services. Since the adoption of the new regulation, these products can now be hired remotely, simply showing proof of identity facing the camera from a computer or mobile device.


Digital Onboarding is a revolution in terms of customer experience, with strong commercial implications: the new processes have a great potential for business development through cross-selling and up-selling techniques, and -above all- for increase customer’s loyalty by implementing a customer journey design that’s attractive and comfortable.

Currently there are few completely online onboarding processes, altough very likely the trend will change in the medium term.

Banking platforms that implement these new methods of customer acquisition will face regulatory challenges (will have to develop systems that meet the harder regulations regarding identification, such as eIDAS or new laws on money laundering) and above all, security.

Security is the key

Online bank fraud is the UK’s fastest growing area of crime, doubling from £60m in 2014 to an expected total beyond £130m this year, and the losses to consumers reached in some cases £90,000, according to The Guardian.

It is obvious that these figures indicate that security is a vital issue, both to establish a relationship of trust with the consumer (a security breach in a banking system can be a huge blow in terms of public image and business) and to face regulatory compliance, as with -of course- protecting business assets.

Biometrics in this new scenario.

Of course, given the nature of the onboarding processes, biometric security measures will be crucial in these new environments. Gradiant has developed and provides robust solutions for authentication and validation. Gradiant technological developments provide recognition and verification of the identity of the users and clients by using the photograph on their official identity documents. In addition, Gradiant Biometrics is able to reliably overcome one of the major difficulties that modern facial recognition systems face: life detection.

Gradiant Biometrics team holds more than ten years of experience in biometric research, and has successfully transfered its technologies to sectors such as banking, health or security.

We believe that the key to successfully developing a secure biometric system is linked to three major concepts:security, comfort and availability, so we integrate these principles in all of our developments.

Following this philosophy, we offer the industry our biometric technologies for mobile devices in three complementary ways: face, voice and signature recognition. The three variants can be used separately or combinated, to increase security and effectiveness.

Our lines of work:

  • Face Recognition
  • Speaker Recognition
  • Handwritten Signature Recognition
  • Liveness Detection
  • Biometric Template Protection

Biometría facial, biometría de voz y biometría de firma - Gradiant

Biometrics by Gradiant

Technology | Biometrics

Sales contact│International Customers

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