{"id":909,"date":"2017-01-04T10:22:10","date_gmt":"2017-01-04T10:22:10","guid":{"rendered":"http:\/\/frslabs.com\/frsblog\/?p=909"},"modified":"2017-01-04T10:22:45","modified_gmt":"2017-01-04T10:22:45","slug":"ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics","status":"publish","type":"post","link":"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/","title":{"rendered":"eKYC \u2013 Know Your Customer unassisted using Aadhaar, OTP and Face Biometrics."},"content":{"rendered":"<p>Know Your Customer is essential for obtaining any services \u2013 Banking, insurance, telecoms, public services \u2013 the list goes on. In the Indian context, until <a title=\"UIDAI Aadhaar\" href=\"https:\/\/uidai.gov.in\/\" target=\"_blank\">Aadhaar<\/a> opened up its APIs, KYC was a laborious process costing billions to services providers and inconveniencing customers a great deal with a mountain of paper identity documents.<\/p>\n<p>With the advent of electronic KYC or eKYC using the Aadhaar biometrics platform, things hasn\u2019t changed a lot. It certainly has reduced paper documents. However, eKYC is still done in an \u201cassisted\u201d mode \u2013 meaning either the customer has to be present at the Bank to avail the services or a Bank executive has to reach the customer to collect the biometric data. As you can note, the process hasn\u2019t changed much. What was costing the Banks earlier is what is costing today \u2013 perhaps more with the new biometric devices.<\/p>\n<p>Therefore this required more radical steps to move from \u201cassisted\u201d to \u201cunassisted\u201d mode \u2013 that the customers can complete the eKYC process at the comfort of their homes using only a mobile phone. The regulators allowed for this by using One Time Password (OTP) as a second factor of authentication with Aadhaar as the first factor. However, with increasing volumes (500 million eKYC projected for 2020), and the possibility for this service to be abused, this would need additional verifications to ensure that the person completing the transaction is who he really says he is. With this in mind, we rolled out our Atlas eKYC solution with face verification as the third factor of authentication.<\/p>\n<p>A simple and seamless way to transform eKYC. Watch the full demo here:<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/youtu.be\/axLGs2bNHzw\">https:\/\/youtu.be\/axLGs2bNHzw<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #ae0a38;\"><em>About FRS Labs: From preventing fraud to verifying identity (KYC), we help organizations onboard and retain good customers. Our patent pending solutions can be quickly integrated into existing web and mobile applications.<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Know Your Customer is essential for obtaining any services \u2013 Banking, insurance, telecoms, public services \u2013 the list goes on. In the Indian context, until Aadhaar opened up its APIs, KYC was a laborious process costing billions to services providers and inconveniencing customers a great deal with a mountain of paper identity documents. With the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_s2mail":""},"categories":[1],"tags":[97,96,101,102,94,99,95,93,98,100],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>eKYC - Know Your Customer<\/title>\n<meta name=\"description\" content=\"eKYC \u2013 Know Your Customer in unassisted mode using Aadhaar, OTP and Face Biometrics.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shankar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.frslabs.com\/frsblog\/#website\",\"url\":\"https:\/\/www.frslabs.com\/frsblog\/\",\"name\":\"FRS Labs\",\"description\":\"Manage Privacy | Verify Users | Prevent Fraud\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.frslabs.com\/frsblog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/#webpage\",\"url\":\"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/\",\"name\":\"eKYC - Know Your Customer\",\"isPartOf\":{\"@id\":\"https:\/\/www.frslabs.com\/frsblog\/#website\"},\"datePublished\":\"2017-01-04T10:22:10+00:00\",\"dateModified\":\"2017-01-04T10:22:45+00:00\",\"author\":{\"@id\":\"https:\/\/www.frslabs.com\/frsblog\/#\/schema\/person\/44aa0b93c2b856fcc15543185e8dbf3d\"},\"description\":\"eKYC \\u2013 Know Your Customer in unassisted mode using Aadhaar, OTP and Face Biometrics.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.frslabs.com\/frsblog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"eKYC \\u2013 Know Your Customer unassisted using Aadhaar, OTP and Face Biometrics.\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.frslabs.com\/frsblog\/#\/schema\/person\/44aa0b93c2b856fcc15543185e8dbf3d\",\"name\":\"Shankar\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.frslabs.com\/frsblog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2b71e9e7aa03a6cdafa4d0ae11becd9b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2b71e9e7aa03a6cdafa4d0ae11becd9b?s=96&d=mm&r=g\",\"caption\":\"Shankar\"},\"sameAs\":[\"http:\/\/www.frslabs.com\"],\"url\":\"https:\/\/www.frslabs.com\/frsblog\/author\/shankar\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"eKYC - Know Your Customer","description":"eKYC \u2013 Know Your Customer in unassisted mode using Aadhaar, OTP and Face Biometrics.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/","twitter_misc":{"Written by":"Shankar","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/www.frslabs.com\/frsblog\/#website","url":"https:\/\/www.frslabs.com\/frsblog\/","name":"FRS Labs","description":"Manage Privacy | Verify Users | Prevent Fraud","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.frslabs.com\/frsblog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/#webpage","url":"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/","name":"eKYC - Know Your Customer","isPartOf":{"@id":"https:\/\/www.frslabs.com\/frsblog\/#website"},"datePublished":"2017-01-04T10:22:10+00:00","dateModified":"2017-01-04T10:22:45+00:00","author":{"@id":"https:\/\/www.frslabs.com\/frsblog\/#\/schema\/person\/44aa0b93c2b856fcc15543185e8dbf3d"},"description":"eKYC \u2013 Know Your Customer in unassisted mode using Aadhaar, OTP and Face Biometrics.","breadcrumb":{"@id":"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.frslabs.com\/frsblog\/2017\/01\/04\/ekyc-know-your-customer-unassisted-using-aadhaar-otp-and-face-biometrics\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.frslabs.com\/frsblog\/"},{"@type":"ListItem","position":2,"name":"eKYC \u2013 Know Your Customer unassisted using Aadhaar, OTP and Face Biometrics."}]},{"@type":"Person","@id":"https:\/\/www.frslabs.com\/frsblog\/#\/schema\/person\/44aa0b93c2b856fcc15543185e8dbf3d","name":"Shankar","image":{"@type":"ImageObject","@id":"https:\/\/www.frslabs.com\/frsblog\/#personlogo","inLanguage":"en-US","url":"https:\/\/secure.gravatar.com\/avatar\/2b71e9e7aa03a6cdafa4d0ae11becd9b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2b71e9e7aa03a6cdafa4d0ae11becd9b?s=96&d=mm&r=g","caption":"Shankar"},"sameAs":["http:\/\/www.frslabs.com"],"url":"https:\/\/www.frslabs.com\/frsblog\/author\/shankar\/"}]}},"_links":{"self":[{"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/posts\/909"}],"collection":[{"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/comments?post=909"}],"version-history":[{"count":4,"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/posts\/909\/revisions"}],"predecessor-version":[{"id":913,"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/posts\/909\/revisions\/913"}],"wp:attachment":[{"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/media?parent=909"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/categories?post=909"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.frslabs.com\/frsblog\/wp-json\/wp\/v2\/tags?post=909"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}