MYCONCALL — Digital Onboarding

RBI-Compliant
Video KYC Platform

MYCONCALL delivers a fully RBI-compliant Video KYC platform — combining live video sessions with AI-powered identity verification, liveness detection, and document authentication for digital customer onboarding.

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RBI

V-CIP Compliant

<10 min

Average KYC completion

99%

Liveness detection accuracy

100%

Audit-ready recordings

The Problem

Why Existing Approaches Fall Short

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

Physical KYC Limits Digital Customer Acquisition

Requiring in-branch document submission creates geographic barriers, limits acquisition reach, and forces customers into inconvenient physical touchpoints in an increasingly digital world.

Manual Video KYC Processes Are Slow and Inconsistent

Human-conducted video KYC without AI assistance is slow, inconsistent, and creates heavy agent staffing requirements — especially during peak acquisition periods.

RBI V-CIP Compliance Is Technically Complex

RBI's Video Customer Identification Process (V-CIP) guidelines impose specific technical, security, and audit requirements that home-built or informal video solutions cannot meet reliably.

Fraudulent Identity Presentation During Video KYC

Photograph-based spoofing, digital masks, and printed photo attacks bypass simple video checks without dedicated liveness detection and AI-assisted identity verification.

Traditional KYC Limitations

Physical branch visit required for KYC completion

Manual agent-driven video KYC without AI assistance

No liveness detection — vulnerable to photo/video spoofing

Non-compliant recording and storage practices

No real-time document OCR during video session

Long queues and scheduling delays for KYC completion

How It Works

How MYCONCALL Video KYC Works

A structured, AI-assisted Video KYC workflow that complies with RBI V-CIP guidelines while delivering a smooth, fast customer experience.

Step 01

Customer Session Initiation

Customer initiates a Video KYC session via the lender's app or web portal — no separate app download required. Session is scheduled or on-demand based on availability.

Step 02

Liveness & Face Match

AI-powered liveness detection confirms the customer is physically present — and face match against Aadhaar photo confirms identity consistency in real time.

Step 03

Document Verification

Customer shows Aadhaar, PAN, and any required documents to camera — automated OCR extracts data and validates authenticity during the live session.

Step 04

Agent-Guided Interview

Trained KYC agent conducts the structured V-CIP interview — guided by MYCONCALL's AI-assisted checklist — with real-time data capture and system flags.

Step 05

OTP & Consent Capture

Aadhaar OTP verification, consent recording, and digital signature capture completed within the video session — all steps documented for audit.

Step 06

KYC Record & Archival

Encrypted video recording, document extracts, and KYC decision are stored in compliance with RBI record-keeping requirements — accessible for audit on demand.

Key Capabilities

Video KYC Platform Capabilities

AI-Powered Liveness Detection

Multi-frame liveness analysis detecting photo attacks, video replay attacks, digital masks, and deepfake attempts — with configurable challenge prompts.

Face Match Against Aadhaar

Real-time face match between live video frame and Aadhaar biometric data — with configurable similarity thresholds and override workflows.

Document OCR & Verification

In-session OCR for Aadhaar, PAN, passport, and other identity documents — with data extraction, field validation, and anti-tampering checks.

RBI V-CIP Compliance

Full compliance with RBI's Video Customer Identification Process guidelines — session structure, agent training, audit logging, and storage specifications.

Encrypted Video Recording

End-to-end encrypted session recording with secure storage — retention, access control, and deletion policies aligned with RBI requirements.

Geolocation & Device Validation

Customer geolocation validation during session — ensuring KYC is conducted from India-verified locations as required by RBI V-CIP.

Agent AI Assist

Real-time AI guidance for agents — suggested questions, data capture prompts, compliance checklists, and instant flag alerts during live sessions.

White-Label & SDK Integration

White-labeled video interface with institutional branding, available as SDK integration into existing mobile/web apps without customer redirection.

Audit Dashboard

Compliance dashboard showing session completion rates, failure reasons, agent productivity, and sampled audit of completed KYC sessions.

Business Impact

Measurable Outcomes for Your Institution

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

10 min

Average KYC Completion Time

End-to-end video KYC vs. 2–5 days for physical branch-based KYC

60%

Lower KYC Acquisition Cost

Digital KYC eliminates travel, branch processing, and document handling costs

40%

Higher Customer Conversion

Faster, more convenient KYC reduces drop-off in the onboarding funnel

100%

RBI Audit Readiness

Structured recording, storage, and documentation for every session

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 Acquisition Teams

Enable fully digital customer acquisition without physical KYC requirements — expanding reach and reducing conversion friction.

KYC & Compliance Teams

Deploy RBI V-CIP compliant video KYC with full audit trails and structured compliance controls — without building in-house.

Operations Teams

Manage KYC agent productivity, session quality, and completion rates from a centralized operations dashboard.

Product Teams

Integrate video KYC as a seamless step in the digital onboarding journey via SDK — with minimal development effort.

Risk & Fraud Teams

AI-powered liveness detection and face match add a strong fraud prevention layer to customer identity verification.

Customer Experience Teams

Deliver a smooth, fast, and professional KYC experience that reflects well on your brand and improves customer satisfaction.

Use Cases

Real Scenarios. Practical Results.

How financial institutions apply this solution across their business operations.

Use Case 01

Bank Account Opening

End-to-end digital savings or current account opening — identity verification, Aadhaar OTP, KYC completion, and account activation without branch visit.

Bank AccountDigital BankingRetail Banks

Use Case 02

Loan Application KYC

Complete borrower KYC during the loan application journey — reducing time to disbursal by completing identity verification alongside credit assessment.

Loan KYCRetail LendingNBFCsBanks

Use Case 03

Mutual Fund & Demat KYC

KYC completion for mutual fund investments and demat account opening — compliant with SEBI and KRA requirements via video-based identification.

Mutual FundsDematWealth Management

Use Case 04

Insurance Policy Issuance

Video KYC for life, health, and general insurance policy issuance — enabling digital-first insurance customer onboarding compliant with IRDAI.

InsuranceIRDAIPolicy Issuance

Use Case 05

NRI & International Customer KYC

Remote video KYC for NRI customers opening accounts or initiating investments in India — with geolocation validation and enhanced identity checks.

NRIInternationalRemote KYC

Use Case 06

Re-KYC and Periodic Update

Periodic re-KYC and customer information updates conducted via video — maintaining compliance without requiring branch visits for existing customers.

Re-KYCPeriodic UpdateCompliance

Explore Connected Capabilities

These solutions work alongside this one to deliver a more complete, end-to-end workflow for your institution.

FAQs

Frequently Asked Questions

Is MYCONCALL's Video KYC compliant with RBI's V-CIP guidelines?

Yes. MYCONCALL is designed specifically to comply with RBI's Video Customer Identification Process (V-CIP) guidelines — covering session structure, agent qualification requirements, recording standards, encryption specifications, geolocation requirements, and storage and retention policies.

How does the liveness detection work and what attacks does it prevent?

MYCONCALL uses multi-frame liveness analysis that detects: printed photo attacks (someone holding a photo to camera), video replay attacks (pre-recorded video played on a device), 3D mask attacks, and digital manipulation including deepfakes. Configurable challenge prompts (blink, turn head) add active liveness verification.

Can MYCONCALL be integrated into our existing mobile app?

Yes. MYCONCALL provides a native SDK for iOS and Android integration — embedding the video KYC session directly within your existing app interface without redirecting to a separate application. A web SDK is also available for browser-based journeys.

What happens when KYC verification fails during the video session?

Failed liveness checks, low-confidence face matches, or document verification failures trigger structured workflows — the agent receives real-time guidance on re-verification steps. Persistent failures are escalated to enhanced review queues. All failure events are logged with evidence for audit.

How long are video KYC recordings stored and who can access them?

Video recordings are encrypted and stored for the period specified by RBI regulations — currently 5 years. Access is controlled by role-based permissions, with a full access log maintained for every recording viewed. Authorized compliance and audit users can retrieve recordings on demand.

RBI-CompliantVideo KYC Platform