Remote Onboarding – Banks Need To Meet Customer Demand During Covid-19

24 Jun 2021

Throughout the world, almost every existing country implemented a lockdown for the most part of 2020 to control the spread of COVID-19. This has been continued till now, and no one knows what the future awaits. This paradigm shift from daily interaction to strict social distancing has caused several businesses to reconsider their technological position and their ability to provide remote services. Owing to isolation and social distancing, humanity has been affected as a whole. All the businesses which required human interaction have been suffering since. As we already know, many have already been shut.

In these grim situations, banks are among the hardest hit institutions. While most banks offer digital services like online banking, very few in the world provide a remote onboarding process. However, with the pandemic, banks need to adapt to this growing demand for remote onboarding in order to continue with their services.

What are the challenges of remote onboarding?

Banks face 3 major challenges during their remote onboarding processes. While major problems are related to KYC in banking and ID verification, there exist three types of different aspects of the problems which are the most vulnerable. These include:

  • Security of the process

The major reason why banks are hesitant to integrate remote onboarding is their question of security. Real-time KYC requires human resources and is costly and time-consuming for any bank. However, this allows the bank to verify the identity of the person and detect any hint of fraud in real-time. Remote ID verification comes with an increased risk of spoofing that the banks are not willing to take.

  • Regulatory policies

All banks and financial institutions are required to follow regulatory policies like KYC and AML. KYC in banking is provided with higher focus on e-KYC, or other digital methods of verification allow for easier spoofing. Regulating bodies in different countries provide varying policies for how a digital KYC process can or cannot be accepted. Therefore a bank operating in multiple countries is expected to comply with various regulatory policies. Introducing a remote onboarding process that fits this can become challenging and time-consuming for the bank.

  • Internet security

Using an unsecured server can pose a data risk for the bank and the customer, and therefore, they restrict access to the banking platform or app if the connection is not secure. While this is understandable, banks lose out on many customers who don’t have access to secure servers or reliable internet connections.

What is the solution?

Despite the challenges mentioned above, the demand for remote KYC verification is ever increasing. Banks are looking to strengthen their existing onboarding and KYC processes to assess any emerging risks and develop internal policies to handle the same. These can be integrated into the onboarding software to ensure the process becomes simpler.

Partnering with Accura Scan helps banks and financial institutions to customize their onboarding process and increase security. Accura Scan has over 18 years of experience in providing Digital KYC and identity verification services. Find out more about their services by sending a mail to

Unlock the True Identity of Your Users with 3D Selfie Technology

A simple selfie will do your customer verification and authentication. Accurascan authentication is a new 3D technology for preventing identity theft. Our Authentication captures hundreds of images of people when they take a selfie video to verify themselves during high-risk online transactions. Creating a 3D identity map that can’t be spoofed.

Identity Card Scan

Identity Card Scan

100% OCR Accuracy. Scans the ID Card, Auto fill and Verifying the Document

Face Match

Face Match

Matching the User Selfie with the photo shown in the ID Card.

Liveness Check

Liveness Check

Was the person himself present while doing the transaction? or submitting KYC doucments? or while opening the account?

Liveness Check


Accura Scan Identity Verfication gives result immediately in Real Time. Know your Real Customers

Trusted By The World's Best

Commercial Bank of Dubai
Ahli United Bank
Ahli Bank
Bank Nizwa
Gulf Bank
NEC Payments
T Mobile
Decurtis Corporation
Jose De Mello

Accura Scan Digital ID Verification & KYC

Real Time ID & Identity Verification, Digital KYC, AML Verification, Certified Liveness Check, Face Biometrics and Document Authentication Service. Make your Online On-boarding & User authentication process risk-free with Accura Scan.

Try Accura Scan SDK or WEB API For Free

Use our Developer Dashboard to get a 15 days FREE TRIAL License & Web Api Secret Key. Access to Trial License Keys and GitHUB Repository. No credit card required.