WHAT IT IS
OnboardID is INM's customer onboarding and digital identity platform. It orchestrates account, customer and entity opening and maintenance through configurable BPM/DMN workflows, with 3D facial biometrics, liveness detection and document capture (OCR/NFC) - reused across every channel and throughout the customer relationship. It runs as SaaS or on-premise, sitting alongside whichever core the bank already has - Banka, Finastra Essence or an in-house legacy system - and reaching each market's channels and official registries through APIs.
Architecture built to replace end-of-life onboarding platforms without breaking channel parity.
WHY IT MATTERS
Remote account opening that meets each market's KYC rules without rewriting the process: document capture, facial biometrics, liveness and official-registry checks - with the risk decision posted straight into whatever core the bank runs.
ADVANTAGES
Desktop, mobile, branch and self-service kiosk share the same BPM engine and the same identity - functional parity, not four separate builds.
Approval flows, decision matrices and document checklists are modelled in BPM/DMN by the bank itself - no vendor release needed to change a rule.
Maker-checker, task queues by profile and a complete trail of every action, decision and change - compliance by construction, not by afterthought.
The same engine also handles account, customer and entity maintenance - address changes, tax-status updates, added signatories - not just day-one onboarding.
FEATURES
Multi-profile account opening: young customers, individuals (standard and simplified KYC) and legal entities, each with its own configurable journey.
Document capture by OCR (2,100+ formats) and NFC chip reading (270+ document types, ICAO 9303), cross-checked against 3D facial biometrics.
3D facial biometrics with certified liveness detection, generating a reusable biometric map for future authentication and 1:N search.
Automatic DMN validation for low-risk cases; human review routed only where risk requires it.
Account, customer and entity maintenance in the same engine: address, contact and tax-status updates, added signatories, powers of attorney.
Configurable approval workflows: task queues by role, decision matrices and maker-checker segregation of duties.
Regulatory integrations: official registries, blacklist/PEP screening and document repository, per each market's requirements.
Journeys adapted to whatever device the bank has available - desktop, dedicated branch capture app, or self-service kiosk.
BUILT FOR
Replace ageing, manual processes without a disruptive one-shot rebuild - phased by account type, starting with the most urgent.
Branch, digital and self-service onboarding under one engine, with the same identity reused across all of them.
Standard and simplified KYC, multiple titleholders, corporate structures and UBOs - all on configurable BPM/DMN.
Maker-checker, audit trail and regulatory integrations built into the flow itself, not bolted on afterwards.
HOW IT WORKS
Customer or branch operator captures the ID document (OCR/NFC) and a 3D selfie with liveness detection, on any device.
DMN rules classify risk and check against registries and blacklists; only borderline cases route to manual review.
Configurable workflow moves the request through the authorisation levels the bank has defined, with maker-checker segregation.
Account opens in the core; identity is stored for reuse - authentication, future onboarding steps and 1:N search.
It is INM's onboarding and digital identity platform. It orchestrates account, customer and entity opening and maintenance through BPM/DMN workflows, with 3D biometrics, liveness detection and OCR/NFC document capture - reused throughout the customer relationship, on any channel.
Yes. The core connection is adapter-based - Banka, Finastra Essence, an in-house legacy system, whatever is already there - over API/ISO, with no change to the central system. The domestic side works the same way: each market's clearing house, EMIS in Angola included, plugs in through an adapter.
Both. Banks in markets with data-residency requirements usually choose on-premise; SaaS where regulation allows it.
No - it standardises the same engine, the same identity and the same rules across every channel, including the branch: branch staff use a dedicated capture app, and self-service kiosks reuse the same flows for agencies or events without a branch.
INM's own teams - we don't subcontract implementation. The same team runs, evolves and supports the product 24/7 after go-live.
Talk to our team to see how this product fits your ecosystem.