Project Overview
Enhancement of BIDV's electronic Know Your Customer (eKYC) platform with remote digital signing capabilities. The upgrade integrated multiple Certificate Authority (CA) providers for remote signing, enabling customers to authenticate account opening contracts and service registrations using digital signatures from their mobile devices : eliminating the need for in-branch visits.
Challenges & Pain Points
Manual Signature Requirement
Contract authentication for account opening still required customers to visit branches for wet-ink signatures, creating friction in the digital onboarding flow and limiting the reach of eKYC adoption.
Single Authentication Method
The existing eKYC flow only supported one authentication method. Customers with digital certificates from different CA providers could not use their existing credentials, forcing them to create new authentication channels.
Our Solution
Multi-CA Remote Signing Integration
Integrated multiple Certificate Authority providers into the eKYC workflow. Customers select their CA provider, authenticate via their mobile signing app (Smart OTP, biometric, or PIN), and the signed certificate is embedded directly into the digital contract : all without visiting a branch.
Enhanced Verification Workflow
Redesigned the eKYC flow with a 4-step verification pipeline: ID document scanning, facial recognition matching, OTP/biometric verification, and digital signature. Added premium account number selection and updated the administrative model for streamlined back-office processing.
Technology Stack
Project Highlights
- Multi-CA remote digital signing integration
- 4-step eKYC verification pipeline
- Zero-branch-visit account opening