MYCONCALL — Digital Onboarding

Digital Customer
Onboarding Platform

MYCONCALL delivers end-to-end digital customer onboarding for financial products — from application initiation and document collection through identity verification, KYC, credit assessment, and account or loan activation.

80%
Reduction in onboarding TAT
40%
Lower drop-off rate
<24 hrs
Account-to-activation time
100%
Paperless process
The Problem

Why Existing Approaches Fall Short

Manual processes, fragmented tools, and legacy systems create compounding inefficiencies that limit speed, accuracy, and risk visibility.

Fragmented Onboarding Journey Creates Drop-Off
Customers abandon onboarding when required to switch between apps, upload documents multiple times, visit branches, and wait days for activation — each friction point adds to cumulative drop-off.
Manual Document Collection and Verification is Slow
Operations teams manually review uploaded documents, chase missing information, and re-verify data — creating 3–7 day onboarding timelines for processes that should complete in hours.
Compliance Requirements Add Complexity Without Technology
KYC, AML checks, PAN verification, Aadhaar authentication, and regulatory documentation requirements are complex — but managed manually create bottlenecks and compliance gaps.
No Single View of the Onboarding Journey
Application, verification, KYC, underwriting, and activation happen in separate systems with no unified visibility — making it impossible to identify where customers are stuck.
Traditional Onboarding Pain Points
Multi-channel, disconnected application journey
Manual document collection and re-upload requests
No automated verification of uploaded documents
Branch visit required for KYC completion
3–7 day activation timelines driving customer frustration
Operations teams manage onboarding manually via email
How It Works

MYCONCALL Digital Onboarding Platform

A unified digital onboarding platform that orchestrates every step — from the first form field to the final activation — in a seamless, automated workflow.

Step 01
Application Capture
Mobile-first or web application form with adaptive fields, progress indicators, and intelligent pre-fill from identity documents — reducing form-fill time by 60%.
Step 02
Document Collection & OCR
Guided document upload with automated OCR extraction, quality check, and data validation — flagging issues immediately rather than waiting for manual review.
Step 03
Identity Verification
Aadhaar OTP verification, PAN API validation, and video KYC — integrated in sequence within the onboarding journey without customer redirection.
Step 04
AML & Risk Screening
Automated PEP screening, sanctions list checks, negative registry validation, and fraud signal screening — running in the background during the application journey.
Step 05
Credit or Product Assessment
For lending products — CART integration triggers automated credit assessment using collected financial data within the onboarding workflow, enabling instant decisions.
Step 06
Activation & Communication
Automated account or loan activation upon approval — with personalized communication, welcome kit, and next-step guidance delivered instantly.
Key Capabilities

Digital Onboarding Capabilities

Adaptive Application Journey
Configurable, product-specific application flows with conditional fields, drop-off save-and-resume, and cross-device continuity.
Intelligent Document Processing
OCR extraction, quality assessment, authenticity checks, and data validation for all standard financial documents at upload.
eKYC & Video KYC Integration
Seamless Aadhaar OTP eKYC and video KYC within the onboarding journey — meeting RBI requirements without workflow disruption.
Digilocker Integration
One-click document retrieval from Digilocker — eliminating manual document upload for Aadhaar, PAN, marksheets, and driving license.
AML & PEP Screening
Automated Anti-Money Laundering screening, Politically Exposed Persons checks, and sanctions list validation as standard onboarding steps.
E-Sign & Agreement Management
Digital signature and e-mandate on loan agreements, account terms, and KYC consent documents — within the onboarding workflow.
Onboarding Operations Dashboard
Centralized operations view of all in-progress onboarding journeys — stage, stuck points, pending actions, and SLA tracking.
CART Credit Integration
For lending products — direct integration with CART bank statement analysis, underwriting engine, and instant credit decisioning within the onboarding flow.
White-Label & API Architecture
Fully brandable interface with embeddable components and REST APIs for integration into existing digital product ecosystems.
Business Impact

Measurable Outcomes for Your Institution

Our customers report consistent improvements across turnaround time, accuracy, operational efficiency, and risk management.

80%
Reduction in Onboarding Time
From 3–7 days to same-day or next-day activation for standard products
40%
Lower Drop-Off Rate
Seamless, guided journey reduces abandonment at every friction point
70%
Reduction in Operations Effort
Automated verification replaces manual document review and follow-up
100%
Paperless Process
Zero physical document handling — complete digital trail from application to activation
Who It's For

Built for the Teams That Matter Most

Designed with input from practitioners across credit, risk, operations, compliance, and technology functions.

Digital Product Teams
Build end-to-end digital product journeys with all onboarding steps integrated — KYC, verification, credit, and activation.
Operations Teams
Manage onboarding exceptions and SLA performance from a centralized dashboard — with automated handling of standard cases.
Compliance & KYC Teams
Systematic, auditable KYC and AML compliance with automated screening and exception management built into the workflow.
Branch & Assisted Channel Teams
Enable branch staff to initiate and track digital onboarding journeys — hybrid assisted-digital model for customers who need help.
Customer Experience Teams
Deliver a fast, seamless, and impressive onboarding experience that creates a strong first impression for your financial products.
Product Heads & Business Leaders
Measure and optimize onboarding funnel conversion, drop-off points, and time-to-activation across products and channels.
Use Cases

Real Scenarios. Practical Results.

How financial institutions apply this solution across their business operations.

Use Case 01
Digital Savings Account Opening
Complete savings account opening digitally — form fill, Aadhaar OTP, video KYC, PAN validation, and instant account number generation without branch visit.
Savings AccountDigital BankingBanks
Use Case 02
Instant Loan Disbursement
Personal or consumer loan application with integrated bank statement analysis, credit decisioning, video KYC, e-sign, and same-day disbursement — fully digital.
Personal LoansInstant DisbursalNBFCsFintech
Use Case 03
Mutual Fund & Investment Account Opening
New investor onboarding with KYC completion, bank mandate setup, risk profiling, and investment account activation in a single digital journey.
Mutual FundsWealth ManagementAMCs
Use Case 04
MSME Business Loan Application
Business loan application journey with business verification, GST data integration, bank statement submission, and credit assessment within an integrated onboarding workflow.
MSME LoansBusiness BankingBanksNBFCs
Use Case 05
Credit Card Application
Card application with income assessment, bureau pull, risk scoring, instant conditional approval, and card activation — end-to-end digital onboarding.
Credit CardsConsumer FinanceBanks
Use Case 06
Insurance Policy Onboarding
Insurance proposal, medical declaration, KYC completion, payment, and policy issuance in a seamless digital flow — aligned with IRDAI digital requirements.
InsuranceIRDAIPolicy Issuance
FAQs

Frequently Asked Questions

How does MYCONCALL handle document quality issues during upload?

MYCONCALL performs real-time document quality assessment at upload — checking for blur, glare, incomplete framing, and low resolution. Customers receive immediate guidance to re-capture documents rather than discovering quality issues during manual review days later.

Can the onboarding journey be customized per product type?

Yes. MYCONCALL provides a configurable journey builder — defining the steps, document requirements, verification checks, and decision logic for each product. A savings account journey differs from a personal loan, which differs from a mutual fund — each is configured independently.

How does MYCONCALL handle customers who drop off mid-journey?

MYCONCALL saves application state at every step — customers can resume from where they left off on any device. Automated follow-up sequences (SMS, email, in-app notification) encourage completion within configured SLA windows.

Can MYCONCALL work for assisted onboarding by branch or agent channels?

Yes. MYCONCALL supports an assisted-digital model — branch staff or field agents can initiate onboarding on behalf of customers using a dedicated agent interface. The system handles the verification and compliance steps, while the agent assists with the customer interaction.

Does MYCONCALL integrate with existing LOS and core banking systems?

MYCONCALL integrates with Loan Origination Systems (LOS), Core Banking Systems (CBS), and CRM platforms via REST APIs and pre-built connectors. Customer data, KYC status, and onboarding decisions are pushed to downstream systems automatically on completion.

Build a Faster, Smarter Customer Onboarding Journey

See how MYCONCALL compresses multi-day onboarding into hours — a demonstration designed around your product and channel requirements.