Add KYC to your Application

How we implemented Jumio for our eKYC process.

TL; DR:

· Trulioo and Jumio are some of the leading Identity verification providers.

· Jumio’s KYC platform can be implemented in two ways: by sharing a link or using the API.

· Jumio's portal provides callback endpoints that can be used to monitor and track KYC success or failure.

Introduction

Jumio is a new-generation biometric authentication and identification service, helping banks and other institutions to enhance their offerings with customer safety, ease of use and overall functionality.

We used Jumio for our eKYC process. Jumio allows us to verify customer identity with a photo of their government-issued ID and a selfie. This is a simple, secure way to ensure that the person holding the ID is actually the person authorized to access your account.

How We Implemented

Creating an account with Jumio is the first step to using their platform. You can get in touch with them by using the link below.

Jumio's website: https://www.jumio.com/

Once you have your account ready, you'll need to configure your API on Jumio Custom portal: https://customer-portal.netverify.com/app/#/my-profile/account.

Depending on the technology stack of your application, you can find many ways to implement KYC. SDKs and APIs offer maximum flexibility and control over event-handling. We implemented this on a React JS application, meaning native app SDKs are out of scope here.

To initiate KYC, you will need to do the following:

Create an account for the end user whose details you are trying to verify. Add a workflow to this new account. Finally, share the resulting link with your client.

Details of APIs to achieve these steps can be found on this link: https://jumio.github.io/kyx/integration-guide.html

We embedded the link in an iFrame, which lets it communicate with the page using JavaScript's window.postMessage() method to send events containing pre-defined data. This allows our React App to react to events as they occur (e.g., by directing to a new page once the success event is received).

Below are some screenshot’s of Jumio’s KYC webview.

Additionally, you can optionally register callback URLs with jumio to be called on different events. Jumio also provides APIs that let you obtain the status of KYC completion

TL ; DR: process is entirely customizable on the Jumio portal, from choosing which documents and pictures to request from a user, to designing look and feel of the WebVi ew interface.

For each document and photo in an KYC application, Jumio does its verification—returning a risk score for each one as well as an overall score for the entire application. We use these to decide whether or not we'll allow that user onto our platform.

Conclusion:

The results have enabled us to have a low-cost, fast and scalable KYC solution that performs reliably and meets the company’s compliance requirements.