Audit-ready customer onboarding journeys built for regulated buyers — NADRA-backed identity, biometric verification, KYC and CDD workflows, document capture, and risk scoring, all in one end-to-end flow.
Every component shipped, integrated, and supported by one team.
National identity verification for Pakistani banking buyers — and equivalent identity providers for other regulated markets.
Fingerprint and facial biometric capture, paired with matching against national or in-house biometric stores.
Know-Your-Customer and Customer Due Diligence flows that meet regulator standards, with full audit trails.
Capture, OCR, and validation of identity documents, proofs of address, and supporting paperwork.
Configurable risk-scoring engine that combines identity, biometric, document, and behavioral signals into onboarding decisions.
Full audit trails, retention policies, and regulator-ready reporting baked into the architecture from the start.
A customer starts onboarding through your channel — mobile app, web, in-branch terminal, or WhatsApp — and the journey begins with consent capture.
National ID is captured and verified through NADRA (Pakistan) or equivalent national identity providers in other markets. Real-time verification, with graceful fallback for edge cases.
Selfie with liveness detection and/or fingerprint capture is matched against the national biometric reference. Identity is proven before any account-related action.
Required supporting documents are captured, OCR’d, validated, and stored with retention controls. Tampering checks run automatically.
The signals from identity, biometric, document, and behavioral checks are combined into a risk score. Approved cases flow through; edge cases route to manual review.
The account is provisioned in the core systems, and every step of the onboarding is logged with timestamps and outcomes — regulator-ready from day one.
Customer account opening, lending applications, credit-card onboarding, and periodic reviews.
Digital wallet onboarding, insurance policy origination, eKYC for new product launches.
For Pakistani banking, NADRA is the standard and regulators expect it. For other markets, we integrate with equivalent national identity providers (e.g., national ID services, third-party eKYC vendors, regional identity bureaus). The architecture supports plugging in different identity sources by market.
Yes. The full journey — identity capture, biometric matching, document capture, decisioning — can run on a customer’s mobile device. We also support hybrid flows (some steps in-branch, some remote) and fully in-branch flows where regulators or customer preference require it.
Compliance is part of design. Every onboarding interaction is audit-logged with timestamps, decisioning rationale, and document trails. Retention policies are configurable per data category. We deliver against ISO 27001, local banking regulator requirements (SBP in Pakistan, equivalents elsewhere), and data residency rules. Your compliance team is involved from week one.
A minimal NADRA + biometric + document capture flow can ship in roughly 8-12 weeks. Full-scale deployments with risk-scoring engines, complex CDD workflows, and integration into existing core systems typically run 4-6 months. We scope each engagement during discovery.
For banking clients, production is run jointly. Your IT operations team owns and controls the production environment. BrainCrop has access to push updates, diagnose issues, and ship new features through UAT and Dev environments. Compliance reporting and audit logs are accessible to your compliance team directly.
Both options are possible. We can build a new system from scratch, integrate identity-and-biometric modules into your existing onboarding flow, or modernize a legacy system incrementally. The right approach is decided during discovery based on what you already have and what you want to keep.
Whether it’s a new product, a stuck integration, or a system that needs a fresh team — we’d like to hear about it.
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Or email info@braincrop.io